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Card Overview
Earn up to 100,000 bonus Qantas Points with the ANZ Frequent Flyer Black card. Receive 50,000 Qantas Points when you spend $6,000 on eligible purchases in the first 3 months, plus an additional 50,000 Qantas Points when you keep the card over 12 months.
Key Attributes
Earn
Qantas Points per $1
1 Point
on eligible purchases up to $7,500 per statement period
0.5 Points
on eligible purchases above $7,500 per statement period
Additional 1 Point
on selected Qantas products and services in Australia, uncapped
Travel Benefits
Complimentary Travel Insurance
Complimentary International Travel Insurance. T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. Read PDS here.
Qantas Club membership
Enjoy a reduced Qantas Club annual fee, and two Qantas Club lounge passes per cardholder year.
Minimum Spend
$6,000
on eligible purchases in the first 3 months from approval to receive 50,000 bonus Qantas Points, plus receive a further 50,000 bonus Qantas Points when you keep the card for over 12 months from activation.
Annual Fee
$425 p.a.
Points Cap
Yes
Up to $7,500 per statement cycle, then 0.5 points per $1.
ATO Points
No
Overseas Transaction Fee
3.5%
Interest-free period
Up to 44 days
Balance Transfer
23.49% p.a.
Purchase Rate
22.49% p.a.
Cash Advance Rate
23.49% p.a.
Why Choose This Card
The ANZ Frequent Flyer Black credit card is a good option for those looking to earn Qantas Points directly on everyday spending. Linked to the Qantas Frequent Flyer program, it offers ANZ’s highest Qantas Points earning potential on everyday eligible purchases, with points credited straight to your Qantas Frequent Flyer account.
You’ll earn 1 Qantas Point per $1 on eligible purchases up to $7,500 per statement period, then 0.5 Qantas Points per $1 spent thereafter. You’ll also earn an additional 1 Qantas Point per $1 spent on selected Qantas products and services in Australia. This makes it a useful card for building your Qantas Points balance across everyday purchases and Qantas spend.
The card also comes with a solid range of premium benefits, including two Qantas Club lounge access passes per year, discounted first-year Qantas Club membership, a Personal Concierge service and complimentary travel and shopping insurances. This includes international and domestic travel insurance, rental vehicle excess in Australia insurance, purchase protection insurance and extended warranty insurance, giving cardholders an added layer of protection when travelling or making everyday purchases (T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply).
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.
Where could 100,000 Qantas Points take you?
You could redeem them for the following:
Soak up the sun in Hawaii
Fly return from Sydney to Hawaii in Qantas Economy Class for 72,400 Points. Taxes and carrier charges apply.**
Get lost in Tokyo
Fly return from Sydney or Melbourne to Tokyo in Qantas Economy Class for 72,400 Points. Taxes and carrier charges apply.**
Extra Benefits
Complimentary Insurance
Access to five complimentary insurances: International Travel Insurance, Domestic Travel Insurance, Rental Vehicle Excess in Australia Insurance, Purchase Protection Insurance, Extended Warranty Insurance. T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply. Read PDS here.
Mobile Wallet
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
ANZ is offering up to 100,000 bonus Qantas Points 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 50,000 bonus Qantas Points to be received after spending a minimum of $6,000 on eligible purchases within the first three months of approval and an additional 50,000 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 | 22.49% |
| Cash advance rate | 23.49% |
| 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 $1 spent on eligible purchases up to $7,500 per statement period, plus an extra point per $1 spent with Qantas. After spending $7,500, it will then halve to 0.5 Qantas Points per $1 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.
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 points cap per statement period.
The discounted first-year Qantas Club membership along with two complimentary Qantas Club invitations is also a welcome benefit for cardholders.
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 aged 18 years or over
-
Be an Australian resident or a non-permanent resident with more than 12 months remaining on your visa
-
Have a good credit history and no payment defaults
-
To be eligible for the bonus offer, you must not hold, or have held, an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months and meet all of the other eligibility criteria.
Frequently Asked Questions
How do I get the bonus Qantas Points with the ANZ Frequent Flyer Black card?
To earn the full 100,000 Qantas Points, new cardholders must spend $6,000 on eligible purchases within the first 3 months of approval to receive 50,000 Qantas Points. An additional 50,000 Qantas Points is awarded if the card is kept open for over 12 months. Offer eligibility criteria and T&Cs apply.
Will holding another ANZ credit card make me ineligible for the bonus points?
To qualify for the bonus offer, you must not currently hold—or have held—an ANZ Frequent Flyer or ANZ Rewards credit card within the last 24 months. Supplementary cardholders (not primary) may still be eligible.
What happens if I have been awarded bonus Qantas Points by signing up to an offer with another bank?
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.
How do I check my Qantas Frequent Flyer Points?
To check your Qantas Points, sign in to your Qantas Frequent Flyer account via the membership portal.
What are ANZ eligible purchases?
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.
What are the benefits of the ANZ Frequent Flyer Black credit card?
Key benefits include up to 80,000 Qantas Points, 2 Qantas Club lounge passes per year, complimentary travel insurance, and ANZ’s top Qantas Point earn rate. You’ll also enjoy discounted Qantas Club membership and mobile wallet compatibility with Apple Pay, Google Pay, and Samsung Pay.
What's the Qantas Points earn rate on the ANZ Frequent Flyer Black card?
You’ll earn 1 Qantas Point per $1 on eligible purchases up to $7,500 per statement period, and 0.5 points per $1 thereafter. You’ll also earn an additional 1 Qantas Point per $1 on selected Qantas products and services in Australia.
Terms and Conditions
** Classic Flight Rewards
Classic Flight Rewards are available on Qantas, Jetstar and eligible partner airlines. These seats are subject to capacity controls and availability is limited, some flights may not have any Classic Flight Reward seats available.
The number of Qantas Points required are accurate as at 20 September 2026 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Reward bookings.
Classic Flight Rewards must be booked via the Qantas website or other authorised booking channels. Some flights may be operated by a partner airline and different baggage allowances and conditions may apply.
Changes to or cancellations of Classic Flight Rewards are subject to the rules outlined in the Qantas Frequent Flyer Terms & Conditions, including change/cancellation fees and any fare or points difference if applicable.
For full terms and fare rules visit the Qantas Frequent Flyer website at Classic Flight Rewards.