ANZ is offering 110,000 bonus Qantas Points and $100 back to your new card for new applicants of the ANZ Frequent Flyer Black credit card.

This is one of the most popular credit cards amongst Point Hacks readers—you might like to compare it with the other highest Qantas Point-earning credit cards.

A minimum spend of $5,000 on eligible purchases within the first 3 months from approval is required to receive the 110,000 bonus Qantas Points and $100 back to your new card. Eligible purchases cover most transactions, with the normal exclusions of fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming.

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

Fly in Qantas’ A330 Business Class from the East Coast to Japan for only 82,000 Qantas Points one-way. [Photo by Brandon Loo]

Digging into the details of the ANZ Frequent Flyer Black credit card

Card Details

CardANZ Frequent Flyer Black credit card
Loyalty programQantas Frequent Flyer
Points earned from spend1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period,
then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period
Additional 1 Qantas Point per $1 on selected Qantas products and services in Australia
Earns points at ATONo
Included insurancesInternational Travel Insurance, Domestic Travel Insurance,
Purchase Protection Insurance,
Rental Vehicle Excess in Australia Insurance, and
Extended Warranty Insurance
Travel benefitsTwo Qantas Club lounge access passes per year and discounted first-year Qantas Club membership
Overseas transaction fee3% of converted amount
Mobile walletApple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
Purchase rate20.49%
Cash advance rate21.99%
Interest Free daysUp to 55 days
Annual fee$425 p.a.

The ANZ Frequent Flyer Black credit card offers a decent Qantas Point earn rate of 1 Qantas Point per $ spent on eligible purchases up to $7,500 per statement period, plus an extra point per $ spent with Qantas. After spending $7,500, it will then halve to 0.5 Qantas Points per $ for the rest of the statement period.

Qantas Club membership

One key attraction of this card is the unique benefit of discounted Qantas Club membership. There is a reduced Qantas Club annual fee on offer of $442 (instead of $600) and the $99.50 joining fee is also waived for Black credit cardholders.

On top of this, there are also two Qantas Club invitations for domestic Qantas Club or International Business Class lounge access.

Insurances and other benefits

There is also a range of other benefits which may be of interest depending on your preferences:

  • International and Domestic Travel Insurance
  • Other insurances including Rental Vehicle Excess in Australia, Purchase Protection Insurance, and Extended Warranty Insurance, click the link to read the PDS.
  • Personal concierge service

This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.

Apple Pay, Google Pay and Samsung Pay support with ANZ

ANZ cards support Apple Pay, Google Pay and Samsung Pay, meaning you can use their cards on your smartphone for easier payments. Find out more in our guides for each of the compatible services.

Apple Pay Australian Banks | Point Hacks

Card eligibility criteria

These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.

  • Be 18 years old of age or over, and;
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa

Frequently Asked Questions

Will holding another ANZ credit card will make me ineligible for the bonus points?

This depends on the type of ANZ credit card that you hold. ANZ credit cards can be split into two categories.
The first is the Frequent Flyer category that is linked to Qantas Frequent Flyer, and consist of the following cards:
• ANZ Frequent Flyer Black
• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer

The second is the Rewards category, consisting of the following cards:
• ANZ Rewards Black
• ANZ Rewards Platinum
• ANZ Rewards
• ANZ Rewards Travel Adventures

If you hold any ANZ Frequent Flyer card, you are unfortunately not able to take advantage of this bonus points offer. However, if you hold an ANZ Rewards card, then you are eligible to take advantage of this bonus points offer.

If I have signed up for the ANZ Rewards Travel Adventures card, does that affect my eligibility for this offer?

No, it doesn’t. As the ANZ Rewards Travel Adventures card is not an ANZ Frequent Flyer card, it does not affect eligibility for this offer.

If I previously held an ANZ Frequent Flyer card, can I still earn bonus points?

So long as you have not qualified for bonus Qantas Points or a credit back on your previous ANZ Frequent Flyer card within the previous 12 months from the date of closing the account, then you will be eligible for the bonus points.

I was a supplementary holder of an ANZ Frequent Flyer Card which expired in July this year. Will I receive the bonus points on this product if I had an ANZ card but was not the primary holder?

Yes, you will. Being a supplementary cardholder on someone else’s card does not affect your eligibility to receive bonus points if you apply for a card as the primary cardholder.

What happens if I have been awarded bonus Qantas Points by signing up to an offer with another bank? Would that exclude me from this offer? I got the Qantas American Express Ultimate about 18 months ago and received bonus points.

The good news is that you are eligible for the bonus points offer with ANZ—earning bonus points from other banks does not affect your eligibility.

How do I check my Qantas Frequent Flyer Points?

To check your Qantas Points, sign in to your Qantas Frequent Flyer account via the membership portal.

What are ANZ eligible purchases?

Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Term and Conditions booklet.

Summing up: ANZ Frequent Flyer Black

The ANZ Frequent Flyer Black credit card is one of the most competitive Qantas direct-earn cards in the market, offering a generous earn rate and a decent monthly points cap.

The discounted first-year Qantas Club membership along with 2 complimentary Qantas Club invitations is also a welcome benefit for cardholders.

110,000 bonus Qantas Points plus $100 back with the ANZ Frequent Flyer Black credit card was last modified: September 10th, 2023 by Daniel Sciberras