Point Hacks Credit Card Guide

Offer extended: 75,000 Qantas Points, 75 Status Credits and no first-year annual fee with the ANZ Frequent Flyer Black

For new applicants of the ANZ Frequent Flyer Black Visa, ANZ are offering no annual fee for the first year, 75 bonus Status Credits (when you buy and fly return with Qantas by 28 February 2018) plus 75,000 bonus Qantas Points.

The Status Credit offer has now been extended, so if you apply for ANZ Frequent Flyer Black by 31 October 2017, and book and travel on a return Qantas flight by 28 February 2018, you will receive 75 bonus Status Credits, which should help you reach Qantas Gold status more quickly.

There are also 50,000 bonus Qantas Points with the ANZ Frequent Flyer Platinum Visa, and 25,000 bonus Qantas Points with the ANZ Frequent Flyer Visa.

This guide covers the different earn rates, caps and benefits of each of the ANZ Qantas Frequent Flyer Visas.

Note that ANZ made a number of changes to their card range in March 2017, removing the linked American Express cards and adjusting various other features of the cards. You can read more about those changes here.

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

ANZ are offering 75 bonus Status Credits when you book a return flight with Qantas plus 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months and $0 annual fee for the first year with the ANZ Frequent Flyer Black Visa.
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
  • 75 bonus Status Credits when you buy and fly return with Qantas by 28 February 2018
  • ANZ’s highest Qantas Points earning potential on everyday eligible purchases
  • Two Qantas Club lounge access passes per year and discounted first-year Qantas Club membership
  • Earn 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
  • Annual Fee: No annual fee for the first year, usually $425 p.a.
  • $2,500 minimum spend in the first 3 months required to earn bonus points
  • Book and travel on a return Qantas flight by 28th February 2018 to receive bonus Status Credits
  • Status Credit offer ends: 31st October 2017
  • Offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply.

Find out more or apply →

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

Card Details

CardANZ Frequent Flyer Black Visa
Loyalty programQantas Frequent Flyer
Points earned from spend1 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 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 and discounted Qantas Club membership
Overseas transaction fee3% of converted amount
Annual fee$425

TheANZ Frequent Flyer Black Visa 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 in statement period you’ll then earn 0.5 Qantas point per $1 ongoing.

You can read more about Status Credits in our guide to Qantas Frequent Flyer status.

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 $464 (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 invites for domestic Qantas Club or International Business Class lounge access.

ANZ Qantas Club Lounge Pass

There is 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
  • Other travel insurances, including 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 card.

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

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

ANZ are offering 50,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months plus $0 annual fee for the first year with the ANZ Frequent Flyer Platinum Visa.
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
  • Earn 0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 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
  • Offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply.

Find out more or apply →

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

Card Details

CardANZ Frequent Flyer Platinum Visa
Loyalty programQantas Frequent Flyer
Points earned from spend0.75 Qantas Points per $1 spent on eligible purchases up to $3,000 per statement period, then 0.5 Qantas Points per $1 spent on eligible purchases above $3,000 per statement period
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 0.75 Qantas Point per $1 spent up to $3,000 per statement period, and 0.5 Qantas Point per $1 thereafter uncapped.

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
  • 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 card.

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

ANZ Frequent Flyer credit cards - 25,000 bonus Qantas Points

ANZ are offering 25,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months plus $0 annual fee for the first year with the ANZ Frequent Flyer Visa.
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
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases above $500 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
  • Offer only available to new ANZ Frequent Flyer customers who meet eligibility criteria, exclusions apply.

Find out more or apply →

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

Card Details

CardANZ Frequent Flyer Visa
Loyalty programQantas Frequent Flyer
Points earned from spend0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period
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 Visa has a reasonable $95 annual fee, with an earn rate of 0.5 Qantas Point per $1 spent on eligible purchases up to $500 per statement period, and 0.25 Qantas Point per $1 thereafter, uncapped.

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 earning Qantas Points, if you’re not too concerned by the monthly points cap for your circumstances.

If you want the discounted Qantas Club membership, then the ANZ Frequent Flyer Black Visa can offer good value, and even more so if you will definitely take advantage of some of the other benefits of the card.

The Classic card has a low 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.

Disclaimers

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, premiums paid for ANZ Credit Card Insurance 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.

Offer extended: 75,000 Qantas Points, 75 Status Credits and no first-year annual fee with the ANZ Frequent Flyer Black was last modified: September 5th, 2017 by Keith

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