ANZ Frequent Flyer Black
Offer Details
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
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
- Lounge Access2 visits/year · Qantas Club
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Two complimentary Qantas Club lounge invitations per 12-month period (single visit each, domestic, international or international business lounge); also includes a joining fee waiver and discount on a 1-year individual Qantas Club membership. Redeem via the ANZ Aspire lounge invitation redemption form or by calling ANZ Personal Concierge on 1300 580 765.
- Concierge Service
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24/7 ANZ Personal Concierge for domestic and international restaurant or hotel bookings, gift ideas and travel recommendations; call 1300 580 765 (or +61 2 7907 0805 from overseas).
- Rewards Program Elite Status
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Complimentary Qantas Frequent Flyer membership (joining fee, currently $99.50, waived) for new members who sign up online via the ANZ link.
- Points Transfer Benefits
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Qantas Points earned are automatically credited to the cardholder's Qantas Frequent Flyer account each month; earn 1 Qantas Point per $1 up to $7,500 per statement period and 0.5 per $1 above, plus 1 bonus Qantas Point per $1 on selected Qantas products and services.
- Digital Wallet Integration
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Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices.
- Digital Card Issuance
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Digital cards available for use in a digital wallet; replacement digital cards are issued faster than a posted physical card.
- Online Banking Features
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Card management via ANZ Internet Banking and the ANZ App, including activating the card, setting a PIN and setting up automatic payments.
- Interest Free Periods
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Up to 44 interest-free days on purchases (up to 55-day interest-free period available); no interest charged on the Purchases balance when the full Closing Balance or Adjusted Closing Balance is paid by the Due Date each statement period.
- Installment Plans
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ANZ Instalment Plan at Checkout lets eligible purchases be split into 3, 6, 9 or 12 monthly instalments; where a Setup Fee applies the Checkout Plan interest rate is 0% p.a. for the plan period.
- Buy Now Pay Later
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Buy Now Pay Later Plan facility: no repayment of the agreed amount and no interest charged on that amount for a specified period.
- Balance Transfer Offers
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Balance transfers available from eligible non-ANZ Australian credit and store cards (transfers of $100 or more); standard balance transfer rate 21.99% p.a. with promotional balance transfer plans available.
- Travel InsuranceUp to $20,000,000 cover · trips up to 180 days
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Complimentary international travel insurance for ANZ Black cardholders, their spouse and dependants for journeys up to 6 consecutive months, when at least $250 of prepaid travel costs is charged to the card and a return overseas travel ticket is held; includes $20 million overseas emergency medical and assistance. Domestic travel insurance also available.
- Rental Vehicle Insurance
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Rental vehicle excess cover within the international travel insurance, up to $5,000 per cardholder or spouse for rental vehicle damage or theft (plus up to $750 for return of the rental vehicle).
- Purchase Protection Insurance
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Items purchased on the card covered against theft, accidental damage or permanent loss for 90 days from possession, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), to a maximum $135,000 per card account in any 12-month period; no excess.
- Extended Warranty Insurance
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Extends the Australian manufacturer's warranty on eligible card purchases for the same period as the warranty, up to a maximum of one extra year (no cover where the warranty exceeds five years); up to $10,000 per item and $10,000 per card account per 12-month period; no excess.
Benefit history
- Lounge AccessUpdated May 2026
- Travel InsuranceUpdated May 2026
- Lounge AccessUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Shopping BenefitsRemoved May 2026
- Balance Transfer OffersUpdated May 2026
- Concierge ServiceUpdated May 2026
- Buy Now Pay LaterUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus 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
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Can I get this bonus if I've had a card from ANZ before?
You generally need to wait 24 months after your last ANZ sign-up bonus before you can earn this one.
See exclusion periods for every Australian issuer →- 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 $2503 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