ANZ Frequent Flyer Black
$425 first year annual fee
90,000 points
$15,000 min limit
1.00 points per dollar
Spend $5,000 in 90 days
Offer Details
Premium
First Year Points
90,000 points
Qantas
Second Year Points
40,000 points
With $425 annual fee
Minimum Spend
$5,000
within 3 months
Cash Bonus
$200Cashback
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$425
Ongoing Annual Fee
$425
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Travel Insurance
Complimentary travel insurance including cover for rental vehicle excess in Australia when travel is purchased using the ANZ Frequent Flyer Black credit card. Terms, conditions, limits, and eligibility criteria apply.
Purchase Protection Insurance
Complimentary Purchase Protection Insurance on purchases made with the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Extended Warranty Insurance
Complimentary Extended Warranty Insurance on purchases made with the ANZ credit card. Terms, conditions, limits, and eligibility criteria apply.
Buy Now Pay Later
ANZ Instalment Plans allow repayment of eligible credit card purchases over 3, 6, or 12 months. Approval, eligibility, terms, and fees apply.
Concierge Service
24/7 personal concierge service available for domestic and international restaurant or hotel bookings, gift ideas, travel recommendations, and more. Contact via phone.
Balance Transfer Offers
Balance transfer facility available to transfer outstanding balances from non-ANZ credit or store cards to consolidate debts into one repayment.
Shopping Benefits
Earn cashback plus Qantas Points from over 2,000 retailers when shopping through Cashrewards, a third-party cashback program.
Digital Wallet Integration
ANZ Frequent Flyer Black credit card is compatible with digital wallets including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay for mobile payments.
Lounge Access
Two complimentary Qantas Club lounge invitations per year for ANZ Frequent Flyer Black cardholders, valid for Qantas Club and Qantas operated International Business Lounges only. Invitations are single-entry and valid for 12 months from issue.
I'd like to use my bonus for:
Craig's Analysis90,000 bonus + 5,000 from $5,000 spend
95,000 Qantas pts × 1.6¢/pt = $1,520
+ $200 cashback
− $425 first year fees
Est. profit $1,295
Bonus Difficulty
Moderate
●●○$56 per day required
First Year Cost
$425
annual fee
Earn Rate
Excellent
●●●●1.00x Qantas points per $1
Travel Benefits
Lounge Access
Two complimentary Qantas Club lounge invitations each year
Did this help you make a decision?
$225 of profit after meeting spend requirements
+ $450 Woolworths gift cards
+ $200 cashback extra bonus
- $425
annual fee
$250
x 1
$100
x 2
in Woolworths gift cards, $450 total, with 1,790 points remaining.
History
22 Mar 2025
4 changes
Lounge Pass:
Two complimentary Qantas Club lounge invitations each year - request by calling ...Two complimentary Qantas Club lounge invitations each year
Annual Fee:
$370$425
Program Fee:
$55
Second Year Annual Fee:
$370$425
22 Jan 2025
4 changes
Annual Fee:
$425$370
Program Fee:
$55
Second Year Annual Fee:
$425$370
Interest Rate:
20.0020.99
- Expiration changed from no expiration to , Bonus from 100K to 90K, Second Year Bonus from NaN to 40K, Bonus Cash from 250 to 2002 years ago
- Bonus changed from 110K to 100K, cashback changed from $100 to $2502 years ago
- Bonus increased from 90k to 110k3 years ago
- Bonus lowered from 110k to 90k, cashback lowered from $255 to $1003 years ago
- Bonus lowered from 130k to 100k first year 30k second year (Thanks N. via Instagram)4 years ago
- Bonus increased from 100k first year, 30k second year to 130k first year4 years ago
