ANZ is offering up to 130,000 bonus Qantas Points and $200 back to your new card for new applicants of the ANZ Frequent Flyer Black credit card.
This is one of the most popular credit cards amongst Point Hacks readers—you might like to compare it with the other highest Qantas Point-earning credit cards.
The bonus is split into two parts, with the first 90,000 bonus Qantas Points and $200 back to be received after spending a minimum of $5,000 on eligible purchases within the first three months of approval and an additional 40,000 bonus Qantas Points when you keep your card for over 12 months. Eligible purchases cover most transactions, with the normal exclusions of fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming.
New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425).
Digging into the details of the ANZ Frequent Flyer Black credit card
Card Details
| Card | ANZ Frequent Flyer Black credit card |
| Loyalty program | Qantas Frequent Flyer |
| Points earned from spend | 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period Additional 1 Qantas Point per $1 on selected Qantas products and services in Australia |
| Earns points at ATO | No |
| Included insurances | International Travel Insurance, Domestic Travel Insurance, Purchase Protection Insurance, Rental Vehicle Excess in Australia Insurance, and Extended Warranty Insurance (PDS) |
| Travel benefits | Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership |
| Overseas transaction fee | 3.5% of converted amount |
| Mobile wallet | Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay |
| Purchase rate | 20.99% |
| Cash advance rate | 21.99% |
| Interest Free days on purchases | Up to 44 days |
| Annual fee | $425 p.a. |
The ANZ Frequent Flyer Black credit card offers a decent Qantas Point earn rate of 1 Qantas Point per $ spent on eligible purchases up to $7,500 per statement period, plus an extra point per $ spent with Qantas. After spending $7,500, it will then halve to 0.5 Qantas Points per $ for the rest of the statement period.
Qantas Club membership
One key attraction of this card is the unique benefit of discounted Qantas Club membership. There is a reduced Qantas Club annual fee on offer of $442 (instead of $600) and the $99.50 joining fee is also waived for Black credit cardholders.
On top of this, there are also two Qantas Club invitations for domestic Qantas Club or International Business Class lounge access.
Insurances and other benefits
There is also a range of other benefits which may be of interest depending on your preferences:
- International and Domestic Travel Insurance
- Other insurances including Rental Vehicle Excess in Australia, Purchase Protection Insurance, and Extended Warranty Insurance, click the link to read the PDS.
- Personal concierge service
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Apple Pay, Google Pay and Samsung Pay support with ANZ
ANZ cards support Apple Pay, Google Pay and Samsung Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Card eligibility criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
- Be 18 years old of age or over, and;
- Be a permanent Australian resident or a non-permanent resident with more than 12 months remaining on your visa
Frequently Asked Questions
This depends on the type of ANZ credit card that you hold. ANZ credit cards can be split into two categories.
The first is the Frequent Flyer category that is linked to Qantas Frequent Flyer, and consist of the following cards:
• ANZ Frequent Flyer Black
• ANZ Frequent Flyer Platinum
The second is the Rewards category, consisting of the following cards:
• ANZ Rewards Black
• ANZ Rewards Platinum
Offer not available to customers who hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
If you hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months you will not be eligible for the bonus points.
Yes, you will. Being a supplementary cardholder on someone else’s card does not affect your eligibility to receive bonus points if you apply for a card as the primary cardholder.
The good news is that you are eligible for the bonus points offer with ANZ—earning bonus points from other banks does not affect your eligibility.
To check your Qantas Points, sign in to your Qantas Frequent Flyer account via the membership portal.
Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Term and Conditions booklet.
Summing up: ANZ Frequent Flyer Black
The ANZ Frequent Flyer Black credit card is one of the most competitive Qantas direct-earn cards in the market, offering a generous earn rate and a decent monthly points cap.
The discounted first-year Qantas Club membership along with 2 complimentary Qantas Club invitations is also a welcome benefit for cardholders.
I have a purchase I need to make in the next few days and I’m hoping I’ll be given a Digital card?
What can I do if the bonus points and min spend changes after I have applied and been approved with a card?
eg. I applied for a card with ANZ at 130,000 bonus points and $3k minimum spend which has now changed to 110,000 and $5k minimum spend. Will I need to meet the new min spend?
Thankyou!
Steph
Your article states:
Eligible purchases cover most transactions, with the normal exclusions of fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming.
Perhaps you should clarify that ATO spend is excluded.
Worth keeping a screenshot or PDF of the offer when you apply, just in case.
I have not had any bonus points for over twelve months and my card has been closed for over twelve months BUT I have received some refunds from cancelled travel to my closed card and ANZ has transferred that back to me. Is that what you refer to as a “credit back” and as a result will that make me ineligible for the sign up bonus.
I can’t seem to find any mention of it on ANZ’s website
We have confirmed with ANZ that the 75 bonus Status Credits will be received after meeting the minimum spend requirement within the first 3 months of approval, and not after 12 months. Please click through our link above and check the Terms & Conditions (#1) at the bottom of the card’s landing page for more details on the Status Credits offer. Thanks!
Can you please triple check this?
The bonus Status Credits are only available to Qantas Frequent Flyer members who apply for an ANZ Frequent Flyer Black credit card account, are approved and make $3,000 of eligible purchases within three months of approval.
yes it says that in the fine print.
It says if you meed the spend criteria in the first 3 months you are eligible for the status credits. Then in the other section it says the status credits will be awarded after 12 months. So both parts are true:
meet spend in first three months… wait 12 months… get status credits.
Confusing and misleading on ANZs part. Lots of other similar point sites have fallen into the same mistake. I’m going to call ANZ and get an answer in writing
The fine print is usually checked by the legal team and should be considered more accurate. We’ve also confirmed the 3 months rule internally with ANZ on our end.
However, I hope you’re able to get the confirmation you need in writing from ANZ – best of luck!
There is no minimum requirement to hold a credit card, and you can cancel whenever you wish. Just make sure that your bonus points are credited to you before you cancel your card. And yes, once they hit your account they are safe and cannot be reversed.
Thanks
I can confirm that the offer went live on 5 December 2019.
Due to regulatory restrictions, we are unable to recommend any specific offer to our readers as being the best pick for them, however, I can highlight you to our Credit Card and Offers page, that lists the top offers in the market at the moment based on which program you are looking to accrue your points in.
Thanks for pointing this to our attention.
A one-way Business flight on Qantas is now 82,000 Qantas points and have amended the commentary. I have also arranged for an internal review of the points tables, as some of the figures do not look correct either.
Apologies for the error and we will look to rectify as soon as possible.
Sorry to hear you are having some issues bringing up the offer. It definitely is still current, and when you click on ‘Find out more & Apply’, it should be redirecting to you to the ANZ site where the offer is. I have just tested it on my end using an Apple MacBook Air and Chrome and it has worked.
Can I just confirm that you don’t have any AdBlockers in place as this may prevent the offer from opening.
If not, could you also please try clicking on our link from a different browser. If the problem still persists, please let us know.
Hope you have a Happy New Year!
Is the Veloce lounge still part of this card?
I have just received confirmation from ANZ that the Veloce network is still part of the card.
ANZ generally do not give an exact end date for their offers. In this case, the terms and conditions state “This is a limited time only offer which may be withdrawn or changed at any time without notice.”.
Think the numbers in this sentence refer to an older version of the offer so need updating: “A minimum spend of $4,000 within the first three months of approval is required to receive the 120,000 bonus Qantas Points and the $150 credit, which helps to offset the hefty $425 annual fee.”
Thanks
Caroline
Thanks for bringing this to our attention. It has now been rectified.
Just wondering about the ‘eligible’ spending of $7,500 for the first 3 months…and what this actually covers..my understanding is anything related to paying government charges (council rates, council bills, ATO , SRO etc ) are not eligible.
I’m currently building my house at the moment, can i pay the engineer’s invoice ( they accept credit cards) and this can be part of that $7,500 min. spent for the 3 months?
Thanks!
Jim
i got a question:
i applied for the ANZ Frequent Flyer Black on 30th March 2019..which has the offer of 120,000 points and requires a min. spend of $7,500 for the first 3 months etc…however my card was only approved on 2 April 2019 ( i have not activated the card yet!!) That offer of 120,000 points ends 31 March 2019.
Does that mean i did not get that particular offer and i’m now automatically rolled into this offer- 100,000 Qantas Points for new cardholders of the ANZ Frequent Flyer Black Visa. Includes $200 back to your card, two Qantas Club lounge passes and complimentary insurances…min spend $4,000 for the first 3 months?
thanks!
Jim
Your eligibility for an offer is based on the date of application, not on the date of processing.
i got a question:
i applied for the ANZ Frequent Flyer Black on 30th March 2019..which has the offer of 120,000 points and requires a min. spend of $7,500 for the first 3 months etc…however my card was only approved on 2 April 2019 ( i have not activated the card yet!!) That offer of 120,000 points ends 31 March 2019.
Does that mean i did not get that particular offer and i’m now automatically rolled into this offer- 100,000 Qantas Points for new cardholders of the ANZ Frequent Flyer Black Visa. Includes $200 back to your card, two Qantas Club lounge passes and complimentary insurances…min spend $4,000 for the first 3 months?
thanks!
Jim
I applied for card in December 2018.
Activated card in Jan 2018.
First statement period was 19th Jan.
Met the $7500 minimum spend criteria 13th February.
Second statement period ended 19th February. I assumed bonus points would be credited at this time, but when they didn’t come through I rang up ANZ and they said points would “definitely come through on third statement period 19th March.”
Points did not come through on third statement period.
ANZ are now saying that they will come through on fourth statement period….I don’t know if I really trust them at this stage. Has anyone else had a similar experience with this? Can anyone provide clarity when they had their points credited?
Thanks in advance,
After the minimum spend is made, bonus points generally take anywhere between 4 to 12 weeks to credit to your frequent flyer account, varying by each provider. If you haven’t received them in this time frame, please send your details to [email protected] so we can investigate further with ANZ.
The $150 will be credited to your credit card account within three months of the eligible spend criteria being met.
The ANZ page does include the following:
Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership
Look at clauses 3 and 4 in the ‘Important Information’ section at the bottom of the page.
I was just wondering if anyone knew when the bonus points would be allocated? I got this card in the last couple weeks and have been putting big expenses on it. I am already at $4500 of the $7500 spend. I was wondering if I hit the $7500 in the next week say do I automatically get the points or do I need to have the card for the entire 3 months? I am asking because my investment property loan expired so I need to do a full application again and this CC is at $15k could push me over the edge but I really want the points 🙂 So any experience in getting the bonus points prior to the 3 months?
Cheers WD
Yes, you must be an Australian resident and be able to show Australian generated income, such as a payslip or an ATO Notice of Assessment if you are self-employed.
For the 75 status credits, does the cardholder have to take the flights that are booked with the card?
e.g., if I book 2 return trips to Melbourne from Sydney for my wife that she travels on (and I do not travel) do I get the status credits?
Thanks!
Yes. The Qantas Frequent Flyer number attached to your ANZ card account must be that of the Primary card holder, and you must ensure that the name on the card and the frequent flyer accounts exactly match. This requirement means that you must also be the one traveling in order to get the bonus status credits.
Just wondering what eligible Qantas flights are? (To get your status credit) Couldn’t see it in here
Cheers
To earn 75 Bonus Status Credits, you must apply for an ANZ Frequent Flyer Black credit card by 31st March 2019, be approved, and then using your ANZ Frequent Flyer Black credit card, book and travel on 2 new domestic or international Qantas operated flights with a Qantas (QF) flight number (1 return flight or 2 one-way flights) between 12.01am (AEDT) 17th October 2018 and 11.59pm (AEST) 30 June 2019. Excludes Classic Flight Rewards, partner or codeshare flights.
Do you mind if I ask what credit score & income did you have?
Also, did ANZ request anything from you? PaySlips? Bank Statements?
As you will need to book and travel in order to qualify for the 75 status credits, the time frame would be from the date of last travel.
As stated in the card summary at the top of the guide:
So, in your case, you would be ineligible to receive the points. I would recommend checking out our noteworthy credit card offers to pick up some bonus points.
The ANZ Rewards Travel Adventures card is not an ANZ Frequent Flyer card, so does not affect eligibility for this card.
Apologies for the confusion!