Card
Offer
ANZ Frequent Flyer Black
Public offer
Selected terms version
Ended. These terms are no longer available.
Published 19 Jul 2026
View current offer termsOffer terms historyThis offer is currently unavailable.
Source wording historyOffer terms
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.
Recorded 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
Bonus Value
$450
95,000 points redeemed in Woolworths gift cards
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?
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 →Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Expiration changed from no expiration to , Bonus from 100K to 90K, Second Year Bonus from NaN to 40K, Bonus Cash from 250 to 2003 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