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ANZ Frequent Flyer Black

Our most rewarding Qantas experience

 

Apply now Rates & fees

It only takes around 5 minutes to apply. Get a response in 60 seconds.

75,000 bonus Qantas Points

and $200 back to your new ANZ Frequent Flyer Black

when you make one eligible purchase in the first 3 monthsdisclaimer

  

Uncapped Qantas Points earning, Qantas Club privileges, access to exclusive events and travel benefits

ANZ's highest Qantas Pointsdisclaimer earning potential on everyday purchases - uncapped

Two Qantas Club lounge access passes per yeardisclaimer and discounted first-year Qantas Club membershipdisclaimer

A range of complimentary insurances (eligibility criteria apply)

Features and benefits

If you’re not a Qantas Frequent Flyer member yet, start by saving $89.50 on your complimentary Qantas Frequent Flyer membership.disclaimer

 

Our highest Qantas Points earning potential

Earn Qantas Points on eligible purchases. Enjoy the convenience of 36 million locations around the world when using your ANZ Frequent Flyer Black card

Frequent Flyer Black Rewards Points

ANZ Frequent Flyer Black Visa

1 Qantas Pointdisclaimer per $1 spent on eligible purchases up to and including $7,500 per statement period

0.5 Qantas Pointsdisclaimer per $1 spent on eligible purchases above $7,500 per statement period

There’s no cap to the number of Qantas Pointsdisclaimer you can earn with ANZ Frequent Flyer Black. You could also earn 1 additional point per $1 spent on selected Qantas products and servicesdisclaimer in Australia.

Reward yourself with pre-flight luxury

Get two complimentary Qantas Club lounge invitationsdisclaimer each year for use when flying on Qantas or Jetstar, now uploaded directly to your Qantas Frequent Flyer portal upon request. Also, access the comfort of participating airport loungesdisclaimer outside Australia at some of the world’s top travel destinations.

And if you get accustomed to that luxury, you could save up to $497 in your first year if you purchase a Qantas Club membership with your ANZ Frequent Flyer Black card. disclaimer

Once-in-a-lifetime experiences 

Be rewarded with Exclusives by ANZ, access to invitation only events. From entertainment to food and lifestyle, ANZ Frequent Flyer Black cardholders get access to an exceptional program of uniquely crafted, once-in-a lifetime-experiences.

 

Peace of mind when you travel and shop

Purchase and travel insurance

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

  • Overseas Travel and Medical Insurancedisclaimer provided by Allianz. You could save up to $775 on Overseas Travel and Medical Insurance (eligibility criteria apply)disclaimer
  • Interstate Flight Inconvenience Insurancedisclaimer – peace of mind when you travel interstate in Australia on holiday for up to 14 days
  • Rental Excess Coverdisclaimer – reduces the excess when you hire a car from a major car rental company in Australia, at no extra cost.

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock transaction monitoring
  • You won't be liable for fraudulent transactions on your ANZ credit card with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement

Complimentary insurance for your shopping

You could be eligible for these complimentary insurances when you make eligible purchases on your card:

  • Extended Warranty Insurancedisclaimer – double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months
  • Best Price Guarantee Schemedisclaimer – if you purchase personal goods in Australia and then find the same product advertised later in a printed catalogue at a cheaper price within 21 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75 and less than $300
  • 90-day Purchase Security Insurancedisclaimer – insurance against loss, theft or accidental damage on most personal items purchased – for 3 months from the date of purchase. 

More reasons to choose ANZ Frequent Flyer Black 

A 24/7 Personal Concierge

There’s a complimentary Personal Concierge 24 hours a day, to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more. Call the Personal Concierge on 1300 580 765  in Australia or, if you are overseas +61 2 8987 1677.

 

Easy ways to bank and pay

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ carddisclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct (PDF 64kB).

   

Get exclusive entertainment and lifestyle offers

VISA Entertainment gives you exclusive offers and privileges in travel, leisure, dining and shopping around the world.

 

Rates and feesdisclaimer

Rates table 1

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Interest free days on purchases

Up to 55 daysdisclaimer

Rates table 2

Total annual fee

$425disclaimer

Minimum credit limit

$15,000

Additional cardholders

Up to 9
for an annual fee of $65 per additional cardholderdisclaimer

 

 

Eligibility

To apply for an ANZ Frequent Flyer Black credit card, you need to

  • Be 18 years of age or over 
  • Have a good credit rating 
  • Be a permanent Australian resident, earning a minimum annual income of $75,000 
  • Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $75,000 
  • Ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum, ANZ Frequent Flyer Gold or an ANZ Frequent Flyer credit card in the last 12 months and meet all other offer eligibility criteria  

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number

How to apply

Apply now

It only takes around 5 minutes to apply and you get a response in 60 seconds.


Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm.

You don’t need to be an ANZ customer to apply for an ANZ credit card.
If approved, you may expect to receive your card within five business days.

Looking for more choices?

Our highest Reward Points earning potentialdisclaimer, uncapped flexible rewards, plus access to exclusive events and privileges

OFFER

75,000 bonus Reward Points and $100 back to your new ANZ Rewards Black when you make one eligible purchase in the first 3 months.disclaimer

   

Not sure which credit card is right for you?

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make one eligible purchase within 3 months of approval to receive the bonus Qantas Points and to have $200 credited to your account. Transactions which do not qualify as a purchase are described in the ANZ Credit Cards Conditions of Use (PDF 468kB), for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming will not qualify. The bonus Qantas Points will be credited to your Qantas account, and the $200 will be credited to your credit card account within 3 months of your first eligible purchase. The $200 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $200 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $200 and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

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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. Existing customers should call 13 13 14 for information regarding their account.

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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Complimentary Invitations in any 12 month period by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF 336 kB) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas-operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions

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Offers are only available to ANZ Frequent Flyer Black cardholders who are Australian residents and who purchase Qantas Club membership using their ANZ Frequent Flyer Black card. Offers are non-transferable and are not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. $497 saving in the first year is based upon a joining fee waiver and a discount to the standard one-year individual membership rate. The joining fee waiver is for a new one year individual Qantas Club membership purchased using an ANZ Frequent Flyer Black card by contacting the Qantas Frequent Flyer Service Centre on 13 11 31. Quoted joining fee savings are based on the joining fee for an individual Qantas Club membership application by an Australian resident. Different rates may be available for those with access to the Qantas Club Corporate scheme. The membership fee offer is for a one year individual Qantas Club membership which is purchased or renewed using an ANZ Frequent Flyer Black card by contacting the Qantas Service Centre. Quoted membership fee savings are based on the difference between the published corporate membership rate and the fee applicable to an individual Qantas Club membership held by an Australian resident. Only one joining fee waiver, and one membership fee discount per year, are available per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

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Terms and conditions apply. Please refer to the ANZ Emergency Travel Service & Personal Concierge Terms and Conditions (PDF 92kB) for further information.

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This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas.

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Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

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Complimentary access to participating airport lounges is available to eligible ANZ Rewards Black and ANZ Frequent Flyer Black cardholders. Participating airport lounges can be found on veloceloungesoutlets.com and are subject to change. To gain complimentary access, eligible cardholders must present their credit card and a current flight boarding pass in the same name at the participating lounge. For terms & conditions refer to the Complimentary Airport Lounge Access Program Terms and Conditions (pdf 63kb).

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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 Allianz Policy Wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the relevant policy booklet before you make any decision to acquire it.

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This estimate is based on a 35 year old couple with a standard worldwide multi-trip policy with $25,000 cancellation cover, a $250 excess and with a maximum trip duration of 45 days issued by AWP as of 19 March 2018.

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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Standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment Plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB).

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For ANZ Frequent Flyer, a Total Annual Fee of $95 applies which includes a $40 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Platinum, a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a Total Annual Fee of $425 applies which includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee. For additional cardholders on an ANZ Frequent Flyer, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming purposes will not earn Reward Points.

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Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum or ANZ Rewards Black credit card, or have closed, or qualified for bonus Rewards Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. Your application must be approved and you must activate the card and make one eligible purchase within 3 months of approval to receive the bonus Reward Points and to have $100 credited to your account. Transactions which do not qualify as a purchase are described in the ANZ Credit Cards Conditions of Use (PDF 468kB), for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming will not qualify. The bonus Reward Points will be credited to your ANZ account, and the $100 will be credited to your credit card account, within 3 months of your first eligible purchase. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Rewards Black credit card account before the $100 credit and bonus Rewards Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $100 and bonus Rewards Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

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