ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
Mozo Review ANZ Frequent Flyer Black Review
Last updated: 18 October 2018.
What's hot:
Multiple Mozo Experts Choice Awards in 2018
2 Qantas Club Lounge visits each year
120,000 bonus Qantas Points + $150 cashback
What's not:
$425 annual fee
21.49% cash advance fee
Mozo snapshot:
Frequent flyer junkies have met their match with 2018 Mozo Experts Choice twice-winning Frequent Flyer Black credit card from ANZ, which took out awards for Best Premium Card Benefits and Best Qantas Frequent Flyer Premium Credit Card. You can earn 1 point per $1 for the first $7,500 you spend in a month. Plus, you'll get 1 additional Qantas Point per $1 spent on selected Qantas products and services in Australia and a bonus 120,000 Qantas Points and $150 cashback after spend of $7,500 on eligible purchases within the first three months. The Qantas Points never expire and are uncapped, so store them away for a rainy day!
Key features:
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. You can save up to $475 in your first year of Qantas Club membership using your Frequent Flyer Black card to purchase Qantas Club membership.
For the first $7,500 you spend each month, you'll earn 1 point for every $1 you spend, but keep in mind that after you hit that spending limit, you'll only earn 0.5 points per $1 for the rest of the month.
You'll get 2 la-di-da Qantas Club Lounge visits each year and unlimited access to participating airport lounges outside Australia, perfect for when you just want to kick back and relax after a long flight. There's also plenty of premium features - including overseas travel and medical insurance and personal concierge.
Shopaholics can rest easy with a 12 month extended warranty for most major purchases. You also get 90-day purchase security insurance against theft, loss and accidental damage on most purchases. Bargain hunters, let's not forget the best price guarantee 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 19.99% standard interest rate but you do get 55 interest free days. And if you make purchases overseas you'll have to pay the 3% foreign exchange margin.
Who it's good for:
There's a few things you need to tick of the list to be eligible for the ANZ Frequent Flyer Black, such as you must be over 18, earn over $75,000 and an Australian resident, Australian/New Zealand citizen or have a valid Australian work visa. But primarily you have to love jet-setting or shopping...or both!
Any catches?
While you have the flexibility to add up to 9 additional ANZ Frequent Flyer Black credit cardholders to your account - Uncle Bob and Aunty Fanny are sure to love - there's an additional $65 card fee.
Rewards program details
Rates and fees information correct as at 22 January 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.What your points get you
Fly Sydney to London return
120,000 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
16,160 points
$100 Cash
-
Points earning
1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped
Rewards scheme
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 up to $475 in your first year of Qantas Club membership using your Frequent Flyer Black card to purchase Qantas Club membership.
Special offers
Receive 120,000 bonus Qantas Points and $150 back when you spend $7,500 on eligible purchases in the first 3 months. Plus 75 bonus status credits when you book and travel on two new Qantas flights by 30 June 2019.
Value of rewards points
Spend $16,160 (Visa)
Spend $8,000 (Visa)
Spend $150,000 (Visa)
Uncapped
Never
How do we calculate these points?
How do we calculate the rewards?
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.
Rate and fee details
Rates
-
19.99% p.a.
-
none
-
No current offer
-
none
-
21.49% p.a.
-
55
Fees
-
$425.00
-
none
-
none
-
$0.00
-
$20.00
-
2%
-
3.00%
-
$0.00
-
$0.00
-
$65.00
Features
-
$25.00
-
2.0
-
9
-
none
Payment options
Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit
Rewards privileges
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection,
Rental Car Excess Cover,
Guaranteed Pricing
Other benefits
$150 back to your card after you spend $7,500 on eligible purchases in the first 3 months.
Customer Reviews
How are ANZ credit cards rated by the Mozo community?
Latest reviews of ANZ Frequent Flyer Black
- Overall10/10
Very good
Needed a new card as I have one from NZ but not Australia. The card is great.
Read full review
Needed a new card as I have one from NZ but not Australia. The card is great.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Yvonne | Queensland
reviewed 3 months ago
- Overall10/10
Very good
ANZ is a very professional bank.
Read full review
ANZ is a very professional bank.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Darren | Queensland
reviewed 3 months ago
- Overall6/10
Ease of initial setup
Made it quite easy with our home loans. And it was easy to reorganise our accounts.
Read full review
Made it quite easy with our home loans. And it was easy to reorganise our accounts.
Price5/10Features4/10Customer service5/10Convenience6/10Trust7/10Less
Lauren | Queensland
reviewed 11 months ago
- Overall10/10
Prompt and friendly service
Good, friendly service. Provide info promptly, information clearly outlined when changes occur.
Read full review
Good, friendly service. Provide info promptly, information clearly outlined when changes occur.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Cheryl | South Australia
reviewed 11 months ago
- Overall3/10
Unless your a big player, they are not interested
Unless you're a big player, they are not interested Customer service was rude too
Read full review
Unless you're a big player, they are not interested Customer service was rude too
Price5/10Features5/10Customer service2/10Convenience2/10Trust1/10Less
Candace | Queensland
reviewed almost 3 years ago
About ANZ
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.
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