ANZ Frequent Flyer

20.24% p.a.

No current offer

$95

Qantas Frequent Flyer

ANZ Frequent Flyer

20.24% p.a.

No current offer

$95

Qantas Frequent Flyer

Mozo Review   ANZ Frequent Flyer Review

Last updated: 26 August 2019.

What's hot:
  • 25,000 bonus Qantas Points (conditions apply)

What's not:
  • Additional cardholder fee

Mozo snapshot:

ANZ Frequent Flyer can rack up a tonne of Qantas Points with this piece of plastic. You will receive 25,000 bonus Qantas Points after you've spent $1,000 on eligible purchases within the first three months. If you aren't already a member of the Qantas Frequent Flyer Program you will get complimentary membership saving you $99.50.

Key features:

The ANZ Frequent Flyer Credit Card is a Visa card, complete with PayWave functionality and plenty of rewards points on offer. Qantas Points you earn are automatically credited to Qantas Frequent Flyer program every month, and earned on a tiered basis. That means, you'll score 0.5 Qantas Points per $1 spent up to $500 per month, then 0.25 points uncapped for the rest of the month.

There is a $95 annual card fee and the standard purchase rate for the ANZ Frequent Flyer card is 20.24% so this is not a card to accrue debt on. If you pay off your balance in full each month you'll get up to 55 interest-free days. 

You can have extra cards on the account to help you accrue rewards faster but unlike some rewards cards that don't charge for extra cardholders, with the ANZ Frequent Flyer you will have to pay $10 for the card and $55 annually for the rewards program.

Who it's good for:

This is a good rewards credit card if you want all of your rewards to go towards redeeming Qantas flights. And to get your hands on it, you'll just need to be 18 or over, and be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.


Any catches?

Late repayments will set you back a $20 fee. Plus, avoid using the card to take out cash, the cash advance rate is 20.24%.

Rewards program details

Rates and fees information correct as at 20 October 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

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,040 points

$100 Cash

-

Points earning

0.5 points per dollar on Visa, up to $500 per month, then
0.25 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.

Special offers

Receive 25,000 bonus Qantas Points if you spend $1,000 on eligible purchase in the first 3 months.

Value of rewards points

Spend $66,160 (Visa)

Spend $26,000 (Visa)

Spend $435,600 (Visa)

Uncapped

Never

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.

Close

Rate and fee details

Rates
  • 20.24% p.a.

  • none

  • No current offer

  • none

  • 20.24% p.a.

  • 55

Fees
  • $95.00

  • none

  • none

  • $0.00

  • $20.00

  • 2%

  • 3.00%

  • $0.00

  • $0.00

  • $65.00

Features
  • $25.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

Customer Reviews

How are ANZ credit cards rated by the Mozo community?

Overall customer rating
6.7/10

Based on 6072 ANZ credit card reviews

Price
5.7/10
Features
5.9/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10

Latest reviews of ANZ Frequent Flyer

  • Overall
    6/10
    Good

    They try to be helpful when it suits them.

    They try to be helpful when it suits them.

    Price
    5/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10

    Mark | New South Wales

    reviewed 26 days ago

  • Overall
    8/10
    Needs more staff to serve customers

    I have no problems with the banks products. My only query is that the customer service is very...

    I have no problems with the banks products. My only query is that the customer service is very slow.

    Price
    7/10
    Features
    7/10
    Customer service
    5/10
    Convenience
    8/10
    Trust
    8/10

    Mike | Queensland

    reviewed 12 months ago

  • Overall
    0/10
    Change banks

    ANZ is a shocking bank. My worst mistake was switching to ANZ.

    ANZ is a shocking bank. My worst mistake was switching to ANZ.

    Price
    -1/10
    Features
    -1/10
    Customer service
    0/10
    Convenience
    0/10
    Trust
    0/10

    Marco | Victoria

    reviewed 12 months ago

  • Overall
    6/10
    It's good

    ANZ's credit card is decent.

    ANZ's credit card is decent.

    Price
    7/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    8/10
    Trust
    6/10

    Maria | Victoria

    reviewed 12 months ago

  • Overall
    8/10
    Low rates and Adequate Frequent Flyer Rewards

    Not happy that the linked American Express Card was removed hence I changed to another card type

    Not happy that the linked American Express Card was removed hence I changed to another card type

    Price
    8/10
    Features
    8/10
    Customer service
    5/10
    Convenience
    10/10
    Trust
    6/10

    Sandra | Western Australia

    reviewed almost 2 years ago

ANZ

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.

See ANZ credit cards

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0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$30

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12.49% p.a.

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20.24% p.a.

No current offer

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Qantas Money

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0% p.a. for 12 months and then 21.99% p.a.

19.99% p.a.

$49 $29 in the first year

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Citi

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0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

21.49% p.a.

$199 $0 in the first year

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American Express

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0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

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ANZ

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No current offer

20.24% p.a.

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No current offer

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Virgin Money

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0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

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0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

21.49% p.a.

$149 $49 in the first year

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1 point per dollar on Mastercard, up to $10,000 per month, then
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American Express

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1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

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1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

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ANZ

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Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

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0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

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1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

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American Express

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0.75 points per dollar on Amex, uncapped

20.74% p.a.

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0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

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$49 $29 in the first year

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0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

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0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

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0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

0% p.a. for 13 months then 21.49% p.a.

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HSBC

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0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

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American Express

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0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

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ANZ

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0% p.a. for 15 months and then 20.24% p.a.

$58

12.49% p.a.

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0% p.a. for 9 months then 14.99% p.a.

$99 $0 in the first year

0% p.a. for 9 months and then 22.24% p.a.

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0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

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12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

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9.90% p.a.

$99 $0 in the first year

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11.99% p.a.

$0

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9.89% p.a.

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11.30% p.a.

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19.74% p.a.

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0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

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19.99% p.a.

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No current offer

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0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

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19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

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ME

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frank Credit Card

11.99% p.a.

No current offer

$0

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12.49% p.a.

0% p.a. for 15 months and then 20.24% p.a.

$58

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Heritage Bank

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Gold Low Rate

11.30% p.a.

No current offer

$0