$471 after fees

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.

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.

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.

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.

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 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).

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).

Complimentary Qantas Frequent Flyer membership (joining fee, currently $99.50, waived) for new members who sign up online via the ANZ link.

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay on eligible devices.

Digital cards available for use in a digital wallet; replacement digital cards are issued faster than a posted physical card.

Card management via ANZ Internet Banking and the ANZ App, including activating the card, setting a PIN and setting up automatic payments.

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.

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 Plan facility: no repayment of the agreed amount and no interest charged on that amount for a specified period.

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.