Image of ANZ Frequent Flyer Black credit card

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

    Summary

    Premium

    Key Highlights

    • 90,000 bonus points
    • $425 annual fee

    Offer Details

    Signup Bonus

    90,000 points

    Qantas

    Minimum Spend

    $5,000

    within 3 months

    Cash Bonus

    $200Cashback

    Ongoing Earn Rate

    1.00x points per $1 spent

    Second Year Bonus

    40,000 points

    With $425 annual fee

    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.

    Expert Analysis

    Bonus Difficulty

    Moderate

    ●●○

    $56 per day required

    First Year Cost

    $425

    annual fee

    Estimated Bonus Value

    $1805

    Based on 1.9¢ per Qantas point

    Earn Rate

    Excellent

    ●●●●

    1.00x Qantas points per $1

    Travel Benefits

    Lounge Access

    Two complimentary Qantas Club lounge invitations each year

    RWRDS Insight

    This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

    I'd like to use my 95,000 bonus points for:


    History
    22/03/2025
    5 changes
    Successfully Scraped At:
    02/09/2025
    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
    22/01/2025
    4 changes
    Annual Fee:
    $425$370
    Program Fee:
    $55
    Second Year Annual Fee:
    $425$370
    Interest Rate:
    2020.99
    • Expiration changed from no expiration to , Bonus from 100K to 90K, Second Year Bonus from NaN to 40K, Bonus Cash from 250 to 200
      a year ago
    • Bonus changed from 110K to 100K, cashback changed from $100 to $250
      2 years ago
    • Bonus increased from 90k to 110k
      2 years ago
    • Bonus lowered from 110k to 90k, cashback lowered from $255 to $100
      2 years ago
    • Bonus lowered from 130k to 100k first year 30k second year (Thanks N. via Instagram)
      3 years ago
    • Bonus increased from 100k first year, 30k second year to 130k first year
      3 years ago
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    Hey all! Hope you are enjoying the site.

    If something out of date or I've missed a card, let me know on instagram or facebook and I'll get it updated ASAP.

    You can also check out my other sites for half price groceries on amazon and finding qantas business reward flights


    Craig