Point Hacks Credit Card Guide

Up to 75,000 Qantas Point bonus with ANZ Frequent Flyer card range

ANZ have a trio of Qantas Frequent Flyer linked accounts (Black, Platinum and Frequent Flyer), which are offering 25,000 Qantas Points on the ANZ Frequent Flyer card, 50,000 on the ANZ Frequent Flyer Platinum and 75,000 on the ANZ Frequent Flyer Black.

The accounts all have companion American Express and Visa cards, and this guide covers the different earn rates, caps and benefits of each the ANZ Qantas Frequent Flyer cards.

ANZ Frequent Flyer Black credit cards - 75,000 Qantas Points

The ANZ Frequent Flyer Black card has 75,000 bonus Qantas Points with no annual fee in the first year ($425 ongoing). Spend $2,500 on eligible purchases within 3 months.
Eligibility criteria, T&Cs, fees and charges apply.

  • 75,000 bonus Qantas Points after $2,500 minimum spend in the first 3 months after approval
  • ANZ’s highest Qantas Points earning potential on everyday eligible purchases – uncapped
  • Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership
  • 1.5 Qantas Points earned per $1 eligible spend on the American Express, 0.75 Qantas Point per $1 eligible spend on the Visa
  • Annual Fee: No annual fee in the first year, usually $425 p.a.
  • $2,500 minimum spend in the first 3 months required to earn bonus points

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

Card Details

Card ANZ Black Qantas Frequent Flyer American Express and Visa
Loyalty programQantas Frequent Flyer
Points earned from spend1.5 points per $ on the American Express, 1.5 points per $2 on the Visa plus an extra point per $ spent with Qantas
Points capNo
Earns points at ATONo
Minimum income$75,000
Included insurancesComprehensive travel insurance and medical insurance plus other useful travel insurances (PDS)
Travel benefitsUnlimited access to participating airport lounges outside Australia through Veloce plus premium travel privileges from American Express entré and discounted Qantas Club membership
Overseas transaction fee3% of the converted amount
Annual fee$425

It comes, as you’d expect, with a decent Qantas points earn rate on the American Express of 1.5 points per $ spent. On the Visa, this is less competitive, at 1.5 Qantas points for every $2 spent.

You’ll also earn an extra point per $ spent with Qantas, and there’s no points cap on this card.

The key attraction of this card is a unique benefit of discounted Qantas Club membership. There’s a reduced Qantas Club annual fee on offer of $400 (instead of $485) and the hefty $400 joining fee in year 1 is also waived for Black card holders.

On top of this, there’s also two Qantas Club invites for domestic Qantas Club or International Business Class lounge access.

There’s also a range of other benefits which may be of interest depending on your preferences:

  • Unlimited access to participating airport lounges outside Australia through the Veloce lounge
  • Overseas travel and medical insurance provided by QBE
  • Personal Concierge service
  • Experience premium travel privileges from American Express entré
  • Other travel insurances – Rental Excess Cover, Interstate Flight Inconvenience Insurance and Transport Accident Cover (PDS)

This guide references some of the benefits of insurance policies provided with this credit card.

You should read the PDS and obtain independent professional advice before obtaining this product.

ANZ Frequent Flyer Platinum credit cards - 50,000 Qantas Points

ANZ are offering 50,000 bonus Qantas Points on the ANZ Frequent Flyer Platinum card, with no annual fee in the first year ($295 ongoing). Spend $2,500 on eligible purchases within the first 3 months.
Eligibility criteria, T&Cs, fees and charges apply.

  • 50,000 bonus Qantas Points after $2,500 minimum spend in the first 3 months after approval
  • Complimentary Qantas Frequent Flyer membership
  • 1.5 Qantas Points per $1 spent on the American Express for up to $6,000 per statement period, and 0.5 Qantas Point per $1 spent using the Visa for up to $6,000 per statement period
  • Annual Fee: No annual fee in the first year, usually $295
  • $2,500 minimum spend in the first 3 months required to earn bonus points

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

Card Details

Card ANZ Platinum Qantas Frequent Flyer American Express and Visa
Loyalty programQantas Frequent Flyer
Points earned from spend1.5 points per $ on the American Express, 1 point per $2 on the Visa plus an extra point per $ spent with Qantas
Points cap$6,000 per month
Minimum income$50,000
Included insurancesTravel and medical insurance plus 90-day Purchase Security Insurance (PDS)
Overseas transaction fee3% of the converted amount
Annual fee$295

The ANZ Frequent Flyer Platinum account comes in at $295 per year, with a $50,000 minimum income requirement for applicants.

The earn rate is a solid 1.5 Qantas points per $ on the Amex, and a less appealing 1 point per $2 spent on the Visa.

There’s also a $6,000 points cap on each of the American Express and Visa cards per month after which no points will be earned, although the points bonus on Qantas spend is exempt from the cap. That’s a maximum cap of 12,000 points per month if you spend $6,000 on each card.

The ANZ Frequent Flyer Platinum cards come with the following benefits on top of the points earned from purchases:

  • Overseas Travel and Medical Insurance (PDS)
  • Rental Excess Cover
  • Personal Concierge booking service
  • 90-day Purchase Security Insurance
  • Extended Warranty
  • Best Price Guarantee Scheme
  • Transport Accident Cover when travelling on a plane, tourist bus, train or ferry paid for with your Platinum credit card
  • Interstate Flight Inconvenience Insurance
  • Exclusive offers and benefits with American Express entré for ANZ Frequent Flyer Platinum American Express cardholders
  • Access to Visa Platinum Concierge and Visa Platinum privileges

These are all fairly intangible benefits, meaning that some people may get great use out of them, while others wouldn’t value them highly.

It’s hard to say generally if they are worth the $295 annual fee, but if you end up using them, they’ll definitely help justify the fee.

This guide references some of the benefits of insurance policies provided with this credit card.

You should read the PDS and obtain independent professional advice before obtaining this product.

ANZ Frequent Flyer credit cards - 25,000 Qantas Points

25,000 bonus Qantas Points are on offer with the ANZ Frequent Flyer card, with no annual fee in the first year ($95 ongoing). Spend $2,500 on eligible purchases within the first 3 months.
Eligibility criteria, T&Cs, fees and charges apply.

  • 25,000 bonus Qantas Points when you spend $2,500 minimum spend in the first 3 months
  • Complimentary Qantas Frequent Flyer membership
  • 1 Qantas Point per $1 spent on the American Express for up to $3,000 per statement period, and 0.5 Qantas Point per $1 spent using the Visa for up to $3,000 per statement period
  • Annual Fee: No annual fee in the first year, usually $95
  • $2,500 minimum spend in the first 3 months required to earn bonus points

Find out more or apply →

Point Hacks earn up to $150 per applicant for this card. More about this →

Card Details

Card ANZ Qantas Frequent Flyer American Express and Visa
Loyalty programQantas Frequent Flyer
Points earned from spend1 point per $ on the American Express, 1 point per $2 on the Visa
Points cap$3,000 per month
Included insurancesTravel and medical insurance plus 90-day Purchase Security Insurance
Overseas transaction fee3% of the converted amount
Annual fee$95

The standard ANZ Qantas Frequent Flyer account has a reasonable $95 annual fee, with an acceptable (for a card of this annual fee) 1 Qantas point per $ earned on the American Express, and a less appealing 1 point per $2 on the Visa.

There’s a $3,000 point cap on each of the American Express and Visa cards per month, after which no points will be earned – again, the points bonus on Qantas spend is exempt from the cap.

That’s a maximum of 4,500 points per month if you spend $3,000 each on the Amex and Visa.

There are minimal additional other benefits that come with this card, but for the $95 annual fee, that’s not too surprising.

Summing up – ANZ Frequent Flyer Cards

The ANZ cards are a solid offering for Qantas Point earn, if you’re not concerned by the monthly points cap on the Platinum and Classic options.

If you want the discounted Qantas Club membership then the Black can offer some good value, and even more so if you will definitely take advantage of some of the other benefits of the card – such as if you spend enough to take advantage of the lack of points cap.

If you’re not concerned by the cap and you still want the decent Qantas Point earn rate of 1.5 Qantas points per $ on the American Express, the ANZ Frequent Flyer Platinum would be the way to go.

Finally, the Classic card has a lower barrier to entry – both in terms of income, and with the lower ongoing annual fee. However the cap on spend may be limiting for significant ongoing use.

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Point Hacks Credit Card Information

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