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ANZ Frequent Flyer Black credit card

Enjoy our highest Qantas Points earn rate.disclaimer The new card offer gives you: 
 

130,000 Qantas Frequent Flyer Points

 

$255 back to your new ANZ Frequent Flyer Black card

 

when you spend $3,000 on eligible purchases in the first 3 months from approval.disclaimer

 

Apply online now

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425)disclaimer.

This card’s for you if you’re after...

 

Qantas Points

  • Earn 1 Qantas Point for every $1 up to and including $7,500*
  • Earn 0.5 Qantas Points for every $1 over $7,500*

(*per statement period, eligible purchases only)disclaimer

$15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

 interest rate

on purchasesdisclaimer

$425 annual feedisclaimer

 

Things to consider

ANZ Frequent Flyer Black has:

  • a higher interest rate on purchases compared to the ANZ Low Rate card, so it might not be suitable if you only make minimum repayments over a prolonged period
  • a higher annual fee compared to the ANZ First card and the highest annual fee of all the ANZ Frequent Flyer cards
  • overseas transaction fees.

What could 130,000 Qantas Points get you?disclaimer

You could redeem them for one of the following:

 

Domestic flights

across a whole range of popular routes.

 

International flights

so you can treat yourself to a well-deserved holiday.

 

Classic upgrade rewards 

for a little luxury on international or domestic flights.

Enjoy even more features

Uncapped Qantas Points on eligible purchasesdisclaimer- certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions.disclaimer

Two complimentary Qantas Club lounge invitations each yeardisclaimer and a discount on a 1-year Qantas Club membership.disclaimer

Invitation-only exclusives by ANZ, giving you access to an exceptional program of uniquely crafted, once-in-a-lifetime entertainment, food and lifestyle experiences.

A Personal Concierge available 24 hours a day to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more.

Complimentary insurances, including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance. Terms, conditions, limits, exclusions and eligibility criteria apply.disclaimer

24/7 anti-fraud protection with ANZ Falcon security. If we identify any unusual transactions, we’ll contact you to help protect your money.

Compatibility with digital wallets, like Apple Pay, Google Pay, Samsung Pay and wearables like Fitbit and Garmin for easy tap and go.disclaimer

Access to higher cashback offers at a range of retailers, when you join Cashrewards Max and link your ANZ Rewards credit card.disclaimer 

  

Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not a Qantas Frequent Flyer member yet.disclaimer

Make managing multiple debts easier by transferring your balances from non-ANZ credit and store cards to your existing ANZ credit card.

Rates and fees

Standard interest ratedisclaimer

on purchases

  

on cash advances

  

on balance transfers

  

 

Minimum credit limit

$15,000  

Interest-free days on purchasesdisclaimer

Up to 55  
 

Number of cardholders

Up to 9  

for an annual fee of $65 per additional cardholderdisclaimer  

Annual fee

$425  

(includes $370 Annual Account Fee and $55 Rewards Program Service Fee)disclaimer

 

Who can apply?

Eligibility
 

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

be 18 years of age or over

 

be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa

 

have a good credit rating

 

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 or an ANZ Frequent Flyer credit card in the last 12 months.

 

Not sure if you’re eligible? Call our credit card specialists on 13 22 73
 

 

Get started online

Apply online

Apply online now

It only takes about 5 minutes.

You’ll need:

  • Details of your income, expenses, liabilities and assets
  • Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it. 

 

See our other Frequent Flyer and Rewards Travel credit cards

ANZ Frequent Flyer Platinum

I want ANZ's intermediate Qantas Points earn rate

See our Frequent Flyer card with an intermediate Qantas Points earn rate,disclaimerminimum credit limit of $6,000 and current annual fee of $295.disclaimer

  • 70,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months from approvaldisclaimer
  • $0 annual fee in the first year, currently $295 thereafter.disclaimer

See ANZ Frequent Flyer Platinum

New card, T&Cs, eligibility criteria, fees and charges apply.

   

ANZ Frequent Flyer

I want an ANZ Frequent Flyer card with a lower annual fee

See our lowest annual fee Frequent Flyer card (currently $95),disclaimer lowest minimum credit limit ($1,000) and lowest Qantas Points earn rate.disclaimer

See ANZ Frequent Flyer

T&Cs, eligibility criteria, fees and charges apply.

   

ANZ Rewards Travel Adventures

I don’t want to pay international transaction fees on purchases overseas

See our Rewards card with no international transaction fees on purchases overseas (including online from international websites),disclaimer  intermediate ANZ Rewards Point earn rate,disclaimer $6,000 minimum credit limit, and current annual fee of $120.disclaimer

  • 40,000 ANZ Reward Points when you spend $1,000 on eligible purchases in the first 3 months from approvaldisclaimer 

See ANZ Rewards Travel Adventures

New Rewards card, T&Cs, eligibility criteria, fees and charges apply.

Choose the card for you

Compare each card’s features, considerations and fees – or, use our product selector tool to help you choose.

Compare credit cards Help me choose

Your questions answered

Qantas Points

Yes, you can apply for this card. You’ll also receive complimentary membership if your application for an ANZ Frequent Flyer credit card is approved.disclaimer

   

Your points are automatically credited to your Qantas Frequent Flyer account every month.

To find out when your Qantas Points expire, visit the Qantas website.

   

You can redeem your Qantas Frequent Flyer points online at the Qantas website. Points may be spent on flights, hotels, shopping and more.

  

You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website.

  

Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn Qantas Points. Examples of transactions and other items which will not earn Qantas Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions which are not eligible to earn Qantas Points and how these transactions are identified please refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 122kB).

  

General

Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.  

To request a change of credit card, choose one of the following options.  

Online:

Log on to ANZ Internet Banking and select your credit card account  

Over the phone:

Call 13 22 73 between 7am-11pm (AEST) 7 days a week.

Call +61 3 9683 9999 from overseas.

  

Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our Rewards credit cards, which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.disclaimer

  

Credit scores

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the Credit Smart website for more information

  

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.

  

Connect with our specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Locate us

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

™ 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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB). 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 available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited-time only offer that 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. Offer not available where you currently hold an ANZ Frequent Flyer, 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 $3,000 worth of eligible purchases within three months of approval to receive the 130,000 bonus Qantas Points and have the $255 credited to your credit card account. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points. For details refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 122kB). The 130,000 bonus Qantas Points will be credited to your Qantas account and the $255 will be credited to your credit card account within three months of the eligible spend criteria being met. The $255 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 $255 credit and 130,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $255 credit and 130,000 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. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

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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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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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Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF 122kB). 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. For details on using your Qantas Points please refer to the Qantas website.

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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 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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Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, 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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Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth).  The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

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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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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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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. Current joining fee $99.50 as at 7 April, 2022, 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, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

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For ANZ Rewards, a total Annual Fee of $80 applies which includes a $25 Annual Account Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total Annual Fee of $95 applies, which includes a $40 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total Annual Fee of $375 applies, which includes a $320 Annual Account Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a total Annual Fee of $120 applies, which includes a $65 Annual Account Fee and a $55 Rewards Program Service Fee.  For additional cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, 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.

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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum 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. Offer 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 $2,500 worth of eligible purchases within three months of approval to receive the 70,000 bonus Qantas Points. Eligible purchases means purchases which are eligible to earn Qantas Points. Certain transactions and other items are not eligible to earn Qantas Points.  For details refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF 122kB). The 70,000 bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If any repayments are overdue before the 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. The ANZ Frequent Flyer Platinum Annual Fee ("Annual Fee") will be waived in the first year from the date you accept the letter of offer (“First Year”).  The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Annual Fee is currently $295 (as at  ) but is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).  Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply.

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ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. ANZ will also waive the cash advance fee if you use your ANZ Rewards Travel Adventures account to withdraw actual cash from a branch or ATM located overseas, however you may incur interest on a cash advance unless the account is in credit (by at least the amount of the cash advance). A cash advance fee will apply to any other cash advances on your account. ATM operator fees may apply.

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ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB).

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Offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures 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. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within 3 months of approval to receive the 40,000 bonus Reward Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Travel Adventures credit card account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward 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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