Frequent flyer junkies have met their match with the Frequent Flyer Black Credit Card from ANZ, which took out a 2019 Mozo Experts Choice Award for best Premium Card Benefits.
Cardholders will be able to earn 1 Qantas Point per $1 for the first $7,500 spent in a month. Beyond that amount, you can still score 0.5 points per $1 in each statement period. For extra joy, you'll get a bonus 100,000 Qantas Points, 75 bonus Status Credits, and $150 back after spending $3,000 on eligible purchases within the first three months. These points are uncapped and only expire after 18 months of inactivity, so as long as you're using the card you can store them away for a rainy day!
New card. Limited time. Spend and eligibility criteria, T&Cs, fees and charges apply (including an annual fee, currently $425).
The ANZ Frequent Flyer Black comes with a mammoth $425 annual fee. Thankfully that's balanced by some eye-catching inclusions for the frequent flyer and big spender. For starters, if you're a new Qantas Frequent Flyer member, you won't have to pay the one-off joining fee, saving you $99.50.
When it comes to points, for the first $7,500 you spend each month, you'll earn 1 Qantas Point for every $1 you spend. After you hit that spending limit, you'll only earn 0.5 points per $1 for the rest of the month.
But there are more bonus points to be earned. You'll snare an extra 100,000 Qantas Points, plus 75 bonus Status Credits and $150 back after spending $3,000 on eligible purchases within the first three months from approval. And if you keep the card open for more than 12 months, you'll receive an additional 30,000 bonus Qantas Points. This second rewards scheme helps you move up the benefits chain and actually enables you to earn more Qantas Points for each eligible flight.
You'll get two la-di-da Qantas Club Lounge visits each year, perfect for when you just want to kick back and relax after a long flight. There's also plenty of premium features - including international travel insurance and personal concierge.
Shopaholics can rest easy with a 12 month extended warranty for most major purchases. You'll also get purchase protection insurance against theft, loss and accidental damage on most purchases. Bargain hunters, let's not forget a guaranteed pricing scheme helping you to hunt down the best price on your purchases made in Australia.
You'll also get awesome Visa entertainment options, providing you with access to special events, exclusive merchandise packages and home entertainment products.
Keep in mind, this is for someone who pays off their credit card in full each month due to the high 20.24% standard interest rate but you do get up to 55 interest-free days. Plus if you are looking to apply for this prestigious piece of plastic, there is a $15,000 minimum credit requirement. Finally, if you make purchases overseas you'll have to pay the 3% foreign exchange margin.
There are a few things you need to tick off the list to be eligible for the ANZ Frequent Flyer Black, such as you must be over 18 and a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa. But primarily you have to love jet-setting or shopping...or both!
While you have the flexibility to add up to nine additional ANZ Frequent Flyer Black Credit Cardholders to your account - Uncle Bob and Aunty Fanny will love it - there's an additional $65 card fee.
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
18,010 points
$100 Cash
-
1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped
Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.
Bonus points earned at a range of bonus partners including Qantas.
2 complimentary Qantas Club Lounge invitations each year. Save $99.50 with the joining fee waived for ANZ Frequent Flyer credit cardholders on a new Qantas Frequent Flyer membership.
Receive 100,000 bonus Qantas Points and $150 back if you spend $3,000 on eligible purchases in the first 3 months. Receive an additional 30,000 bonus Qantas Points after the first year.
Spend $18,010 (Visa)
Spend $8,000 (Visa)
Spend $130,800 (Visa)
Uncapped
Never
How do we calculate these points?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
20.24% p.a.
none
No current offer
none
20.24% p.a.
55
$425.00
none
none
$0.00
$20.00
2%
3.00%
$0.00
$0.00
$65.00
$25.00
2.0
9
none
Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit
Concierge,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing Scheme,
International Travel Insurance
$150 back to your card after you spend $3,000 on eligible purchases in the first 3 months.
ANZ - quick and easy application process and good frequent flyer points.
Read full reviewANZ - quick and easy application process and good frequent flyer points.
Poor service phone but convenient branch access.
Read full reviewPoor service phone but convenient branch access.
It's one of the big banks. Credit Card offers attractive reward system. Easy application and set-up via online. Friendly staff at branch.
Read full reviewIt's one of the big banks. Credit Card offers attractive reward system. Easy application and set-up via online. Friendly staff at branch.
This bank has been great to work with! Just be careful of the expensive interest charges.
Read full reviewThis bank has been great to work with! Just be careful of the expensive interest charges.
It's a great credit card. It's with a major bank as well, so it's easier to manage. Great sign on bonus. Just be aware of the annual fee, then the annual additional cardholder fee, and the qantas frequent flyer rewards program enrolment annual fee. If you can package this card with your homeloan most of these fees will be waived.
Read full reviewIt's a great credit card. It's with a major bank as well, so it's easier to manage. Great sign on bonus. Just be aware of the annual fee, then the annual additional cardholder fee, and the qantas frequent flyer rewards program enrolment annual fee. If you can package this card with your homeloan most of these fees will be waived.
ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ App, it's easier to do banking on the go.
See ANZ credit cards
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
Life Rich Rewards
Promoted
Qantas Money
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a.
$299 $199 in the first year
Qantas Frequent Flyer
Promoted
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
Promoted
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Promoted
Bankwest
Zero Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
CUA
Platinum Credit Card
Life Rich Rewards
$149 $0 in the first year
No current offer
1 point up to 100,000 points/year
Promoted
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
80,000
1.25 points uncapped
Promoted
Qantas Money
Qantas Premier Platinum
Qantas Frequent Flyer
$299 $199 in the first year
80,000
1 point up to $10,000/month, then
0.5 points uncapped
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Promoted
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Promoted
Citi
Rewards Credit Card
Citi Rewards Program
$199 $0 in the first year
No current offer
1 point up to $10,000/month
Promoted
David Jones
American Express Card
Membership Rewards
$99
15,000
1 point uncapped
Promoted
CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Promoted
Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Promoted
Bankwest
Breeze Mastercard
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
0% p.a. for 15 months then 12.99% p.a.
$79
Promoted
St.George
No Annual Fee
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
19.99% p.a.
$299 $199 in the first year
Qantas Frequent Flyer
Promoted
St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Bankwest
Zero Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
No current offer
$99 $49 in the first year
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 12.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
Promoted
Qantas Money
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a.
$299 $199 in the first year
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
Promoted
Bankwest
Zero Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 12.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59