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.
A minimum spend of $3,000 within the first three months of approval is required to receive the 100,000 bonus Qantas Points, $150 credit and 75 Status Credits. Eligible purchases cover most transactions, with the normal exclusions of fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming.
Keep your card for over 12 months to receive an additional 30,000 bonus Qantas Points.
How you could use the bonus points from this card
All redemption figures above exclude any accompanying taxes, fees and charges. Points redemption price data is provided by a third-party. For an exact total redemption cost, please consult with the airline directly.
Digging into the details of the ANZ Frequent Flyer Black
|Card||ANZ Frequent Flyer Black|
|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|
|Earns points at ATO||No|
|Included insurances||International Travel Insurance, Purchase Protection Insurance, Rental Vehicle Excess in Australia Insurance, Guaranteed Pricing Scheme, Extended Warranty Insurance and Interstate Flight Inconvenience Insurance (PDS 1), (PDS 2)|
|Travel benefits||Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership|
|Overseas transaction fee||3% of converted amount|
|Cash advance rate||20.24%|
|Interest Free days||Up to 55 days|
|Annual fee||$425 p.a.|
The ANZ Frequent Flyer Black 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 a unique benefit of discounted Qantas Club membership. There is a reduced Qantas Club annual fee on offer of $442 (instead of $540) and the hefty $399 joining fee is also waived for Black card holders.
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 Travel Insurance
- Other insurances including Rental Vehicle Excess in Australia, Interstate Flight Inconvenience Insurance, Purchase Protection Insurance, Guaranteed Pricing Scheme and Extended Warranty Insurance (PDS 1), (PDS 2)
- 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.
ANZ Apple Pay, Google Pay support
ANZ cards support Apple Pay & Google 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.
- Be 18 years old of age or over, and;
- Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa
Frequently Asked Questions
Will holding another ANZ credit card will make me ineligible for the bonus points?
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
- ANZ Frequent Flyer
The second is the Rewards category, consisting of the following cards:
- ANZ Rewards Black
- ANZ Rewards Platinum
- ANZ Rewards
- ANZ Rewards Travel Adventures
If you hold any ANZ Frequent Flyer card, you are unfortunately not able to take advantage of this bonus points offer. However, if you hold an ANZ Rewards card, then you are eligible to take advantage of this bonus points offer.
If I have signed up for the ANZ Rewards Travel Adventures card, does that affect my eligibility for this offer?
No, it doesn’t. As the ANZ Rewards Travel Adventures card is not an ANZ Frequent Flyer card, it does not affect eligibility for this offer.
If I previously held an ANZ Frequent Flyer card, can I still earn bonus points?
So long as you have not qualified for bonus Qantas Points or a credit back on your previous ANZ Frequent Flyer card within the previous 12 months from the date of closing the account, then you will be eligible for the bonus points.
I was a supplementary holder of an ANZ Frequent Flyer Card which expired in July this year. Will I receive the bonus points on this product if I had an ANZ card but was not the primary holder?
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.
What happens if I have been awarded bonus Qantas Points by signing up to an offer with another bank? Would that exclude me from this offer? I got the Qantas American Express Ultimate about 18 months ago and received bonus points.
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.
The ANZ Frequent Flyer Black card is a solid offering for earning Qantas Points if you’re not too concerned by the monthly points cap for your circumstances.
The discounted first-year Qantas Club membership and some of the other benefits of the ANZ Frequent Flyer Black can offer good value when utilised properly.
ANZ would also like us to include the following disclaimer.
Qantas Points and bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change.
New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee, currently $425).