If you’re looking for an affordable and fun way to upgrade your travel experiences, the ANZ Frequent Flyer Black Credit Card has got you covered.
Right off the bat, you get a sweet deal of 90,000 Qantas points and $200 cashback, provided you spend at least $5,000 on eligible purchases within the first three months of approval.
And they don’t stop there. By keeping your card active for 12 months, ANZ throws in another 40,000 Qantas points.
So, by the end of your first year, you can rack up to 130,000 points, which can be redeemed for domestic or international flights, and even class upgrades. Sounds great, right? But there’s more!
What’s so good about this ANZ Frequent Flyer Black Credit Card?
- Higher earn rate compared to most other cards out there
- 24/7 personal concierge to help with hotel bookings, restaurant reservations, and travel advice
- Complimentary insurances
- Flexible payment plans of 3, 6, and even 12 months on eligible purchases
- Balance transfers to consolidate debts from other credit or store cards
- Cashback offers at over 2,000 partners through Cashrewards
- Free Qantas Frequent Flyer membership, saving you $99.50
- Two complimentary passes to the Qantas Club Lounge each year
- Discount on a one-year Qantas Club membership
- Up to 44 days interest-free on purchases
How to earn and redeem your Qantas Points
For every dollar spent up to $7,500, you earn 1 Qantas point. Above that, you’ll earn 0.5 points per dollar. Some purchases won’t be eligible, while others might boost your earnings through Qantas-specific promotions.
Your points will be automatically credited to your Qantas Frequent Flyer account each month.
You don’t need to be a long-time member of the frequent flyer program, but don’t forget to sign up (this is a bonus for new card applicants) so you can track and redeem points through the Qantas website.
Once you’ve saved enough points, you can redeem them for flights, hotels, and products on the Qantas platform.
Check out the full list of included insurances and protections with your ANZ Frequent Flyer Black Credit Card:
✅Travel insurance: If you buy your flights using the card, you get complimentary travel insurance, including coverage for overseas emergencies and even rental car excess in Australia. Remember to check the fine print for terms and conditions.
✅Purchase insurance: Use your card for purchases, and you’ll benefit from extended warranty on eligible products, as well as purchase protection insurance. Handy if something you bought gets stolen or damaged.
✅Fraud protection: The ANZ Falcon® system monitors your transactions to ensure everything is secure. If anything suspicious comes up, they’ll contact you right away to keep your account safe.
✅Fraud money-back guarantee: If your card is used fraudulently, you’re guaranteed to get your money back, as long as you follow the rules, report it quickly, and didn’t contribute to the issue.
Fees
- Annual fee of $425 (includes $370 card fee + $55 rewards program service fee)
- Up to 9 additional cardholders for $65 each
- 20.99% p.a. on purchases
- 21.99% p.a. on cash advances
- 21.99% p.a. on balance transfers
Final thoughts
We wouldn’t recommend only making minimum payments long term, as this premium card has a higher interest rate on purchases compared to basic cards.
However, if you’re after a credit card that offers solid rewards, this is one of the best choices out there.
Among ANZ’s products, this one offers unlimited points earning, which only changes based on your spending bracket.
Additionally, the complimentary insurances are ideal for a stress-free travel experience, and the free Qantas Frequent Flyer membership offers a significant saving.
The annual fee is higher compared to the ANZ Frequent Flyer Platinum, but the coverage and benefits make it worth the cost.