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Offer 100,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black

When you spend $4,000 on eligible purchases in the first 3 months from approvaldisclaimer

  

 Finder Awards 2018 Best Frequent Flyer Card

Apply now

It only takes around 5 minutes to apply.

Important numbers

Standard purchase rate is currently disclaimer

From 16 August 2019: interest rate on standard purchases changing to 20.24% p.a.

Interest rate on balance transfers and cash advances is currently disclaimer

From 16 August 2019: interest rates on standard balance transfers and cash advances changing to 20.24% p.a.

Total annual fee $425disclaimer

Up to 55 daysdisclaimer interest free on purchases when you pay your account in full each month

$15,000 minimum credit limit

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

Apply and be approved to enjoy

100,000 bonus Qantas Pointsdisclaimer

When you spend $4,000 on eligible purchases in the first 3 months

$200 backdisclaimer

To your new ANZ Frequent Flyer Black card when you spend $4,000 on eligible purchases in the first 3 months

Complimentary Qantas Frequent Flyer membershipdisclaimer

Save $99.50 if you're not already a Qantas Frequent Flyer member

Become a more frequent flyer

Book your flights and relax in luxury while you wait for departure with two Qantas Club lounge access invitations per year.disclaimer You could also be eligible for a range of complimentary insurances. If you’re not a Qantas Frequent Flyer member yet, start by saving $99.50 on your complimentary Qantas Frequent Flyer membership.disclaimer

 

Our highest Qantas Points earning potential

Frequent Flyer Black Rewards Points

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

Reward yourself with pre-flight luxury

Get two complimentary Qantas Club lounge invitationsdisclaimer each year for use when flying on Qantas or Jetstar. Also, access the comfort of participating airport loungesdisclaimer outside Australia at some of the world’s top travel destinations, including London, Dubai, Singapore and Bangkok.

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.

Eligibility criteria

To apply, you need to

  • Be 18 years of age or over 
  • Be a permanent Australian resident, 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
  • Have a good credit rating. Find out more about Credit Reporting.

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

Ready to be rewarded?

Apply now

It only takes around 5 minutes to apply.


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.

On top of the rewards

Complimentary insurance when you travel

You could be eligible for these complimentary insurances:

  • Overseas Travel and Medical Insurancedisclaimer provided by Allianz Insurance. 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.

Easy ways to bank

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).

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. 

Looking for more choices?

   

Earn Qantas Pointsdisclaimer on everyday purchases with complimentary insurances
and Personal Concierge

OFFER

50,000 bonus Qantas Points and $100 back to your new ANZ Frequent Flyer Platinum when you spend $2,000 on eligible purchases in the first 3 months from approval.disclaimer   

Earn Qantas Pointsdisclaimer on your everyday purchases

 

OFFER

25,000 bonus Qantas Points when you spend $1,000 on eligible purchases in the first 3 months from approval.disclaimer  

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

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.

™ 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.

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 $4,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points and to have the $200 credited to your account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account,and the $200 will be credited to your credit card account within three months of the eligible spend criteria being met. 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 introductory bonus Qantas Points and $200 credit 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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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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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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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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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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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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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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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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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 Master Policies to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allow eligible ANZ account holders and cardholders to claim under the Master Policies as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Master Policies are set out in the Premium Cards – Insurances, Insurance Policy Information booklet (PDF 366kB) and the ANZ Credit Cards Insurance Features booklet (PDF 428kB) 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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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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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. 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 $2,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points and to have the $100 credited to your account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account, and the $100 will be credited to your credit card account within three months of the eligible spend criteria being met. 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 Frequent Flyer Platinum credit card account before the $100 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $100 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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Offer available to new and approved applicants who apply for an ANZ Frequent Flyer 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 $1,000 worth of eligible purchases within three months of approval to receive the bonus Qantas Points. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer credit card account before the bonus Qantas Points are processed to your account, you may become ineligible for this offer. 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.

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