ANZ Frequent Flyer Platinum
Snapshot 953 · Offer 2068 · Offer status now: ended
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[skip to log on](#skip%5Flogon) [skip to main content](#main%5Fskip) # Earn Qantas Points with ANZ Frequent Flyer Platinum
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Enjoy uncapped Qantas Points[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer) plus our new credit card offer:
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Enjoy uncapped Qantas Points plus our new credit card offer:
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**75,000 bonus Qantas Points** **$100 back to your new ANZ Frequent Flyer Platinum card**
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when you spend $2,500 on eligible purchases in the first 3 months from approval.[Superscript: 2](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-offer-disclaimer)
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when you spend $2,500 on eligible purchases in the first 3 months from approval.
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[Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=IYPE&producttype=FFP&schema=cola&appscode=OAOV)
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New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).
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## What to expect from this Qantas Points card… ### Qantas Points Earn 0.75 Qantas Points for every $1 up to and including $3,000\* Earn 0.5 Qantas Points for every $1 over $3,000\*
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\*per statement period, eligible purchases only[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer)
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\*per statement period, eligible purchases only
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### 20.99% p.a. interest rate
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on purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-interest-rate-disclaimer)
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on purchases
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### $6,000 minimum credit limit and you expect you will be able to repay all or most of the closing balance each month
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### $295 Annual Fee[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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### $295 Annual Fee
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## Things to consider * A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Frequent Flyer Platinum card might not be suitable if you only make minimum repayments over a prolonged period * A higher annual fee compared to the ANZ First card * A lower Qantas Points earn rate than the ANZ Frequent Flyer Black card. ## Plus you'll also get... [](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/) ### [Travel insurance](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/)
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Planning a trip? You may be eligible for complimentary travel insurance,[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) plus cover for rental vehicle excess in Australia,[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) when you purchase travel using your ANZ credit card.
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Planning a trip? You may be eligible for complimentary travel insurance, plus cover for rental vehicle excess in Australia, when you purchase travel using your ANZ credit card.
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T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)
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T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
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[](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/) ### [**Insurance on purchases**](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/)
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Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers) and Purchase Protection Insurance.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)
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Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance and Purchase Protection Insurance.
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T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.[Superscript: 5](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FInsurances%5Fcomplimentary-insurance-covers)
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T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
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[](https://www.anz.com.au/personal/credit-cards/instalment-plans/) ### [Buy now, repay later](https://www.anz.com.au/personal/credit-cards/instalment-plans/) ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months. Approval, eligibility and T&Cs apply. Fees and charges may apply. [](tel:61279070805) ### [24/7 Personal concierge](tel:61279070805)
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Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.[Superscript: 6](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Fanz-concierge-service-is-available)
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Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.
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Call us on [1300 580 765](tel:1300580765) (or [+61 2 7907 0805](tel:61279070805)). [](https://www.anz.com.au/security/how-we-protect-you/credit-card/) ### [ANZ Falcon® fraud protection](https://www.anz.com.au/security/how-we-protect-you/credit-card/) ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. [](https://www.anz.com.au/personal/credit-cards/balance-transfer/) ### [Balance transfers](https://www.anz.com.au/personal/credit-cards/balance-transfer/)
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Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.[Superscript: 7](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FBalanceTransfers%5Fbt-100-or-more)
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Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.
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[](https://www.anz.com.au/promo/personal/cashrewards/) ### [Cashrewards](https://www.anz.com.au/promo/personal/cashrewards/)
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Earn cashback plus Qantas Points[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer) from more than 2,000 popular retailers when you shop through Cashrewards.[Superscript: 8](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcashrewards%5Fcashrewards-not-anz-account)
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Earn cashback plus Qantas Points from more than 2,000 popular retailers when you shop through Cashrewards.
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[](https://www.anz.com.au/ways-to-bank/digital-wallets/) ### [Digital wallet compatible](https://www.anz.com.au/ways-to-bank/digital-wallets/)
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An easy way to pay using your ANZ credit card on your compatible mobile device.[Superscript: 9](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fcommon%5Fpay-with-phone-short) And, if you need a replacement card, digital cards are faster than the post.
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An easy way to pay using your ANZ credit card on your compatible mobile device. And, if you need a replacement card, digital cards are faster than the post.
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## More Qantas features [](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/#freq-flyer) ### [Bonus Qantas Points](https://www.anz.com.au/content/anzcomau/en/personal/credit-cards/how-to-redeem-rewards.html/#freq-flyer)
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Earn 1 bonus Qantas Point[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer) per $1 spent on selected Qantas products and services, as well as bonus points[Superscript: 10](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fff-bonus-points) with our Bonus Partners.
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Earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services, as well as bonus points with our Bonus Partners.
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[](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/#freq-flyer) ### [Qantas Frequent flyer membership](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/#freq-flyer)
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Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not yet a member and sign up using the link provided by ANZ.[Superscript: 11](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-membership-joining-waiver)
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Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not yet a member and sign up using the link provided by ANZ.
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## What could 75,000 Qantas Points get you?[Superscript: 12](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fpoints-conversion-disclaimer)
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## What could 75,000 Qantas Points get you?
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You could redeem them for one of the following: ### [Domestic flights](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html) across a whole range of popular routes. ### [International flights](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-flight-rewards.html) so you can treat yourself to a well-deserved holiday. ### [Classic upgrade rewards](https://www.qantas.com/au/en/frequent-flyer/use-points/classic-upgrade-rewards.html) for a little luxury on international or domestic flights. ## Rates and fees **$6,000** Minimum credit limit
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**Up to 44** Interest-free days on purchases[Superscript: 13](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Finterest-free-days-disclaimer)
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**Up to 44** Interest-free days on purchases
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#### Standard interest rates
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**20.99% p.a.** on purchases[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-interest-rate-disclaimer)
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**20.99% p.a.** on purchases
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**21.99% p.a.** on cash advances[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-interest-rate-disclaimer)
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**21.99% p.a.** on cash advances
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**21.99% p.a.** on balance transfers[Superscript: 4](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-platinum-interest-rate-disclaimer)
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**21.99% p.a.** on balance transfers
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#### Annual fees **$295** Annual Fee
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(includes $240 Annual Fee and $55 Rewards Program Service Fee)[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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(includes $240 Annual Fee and $55 Rewards Program Service Fee)
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**Up to 9** additional cardholders
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for an annual fee of $65 per additional cardholder[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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for an annual fee of $65 per additional cardholder
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For details about all applicable fees & charges please refer to the [ANZ Credit Cards Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and [ANZ Consumer Credit Cards Fees and Charges (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf).
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Important: Effective from 2 May 2025, the amount of the Overseas Transaction Fee will increase from 3% to 3.5% and will apply to all overseas transactions processed to a credit card account from this date.
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## Eligibility ### Who can apply? To apply for an ANZ Frequent Flyer Platinum credit card, you’ll need to: * be 18 years of age or over * be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa * have a good credit rating
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* ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum or an ANZ Frequent Flyer credit card in the last 12 months.
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* ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
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**Not sure if you’re eligible?** Call our credit card specialists on [13 22 73](tel:132273). ## Get started online ### Apply online [Apply online now](https://applyapp.anz.com/choosing-the-right-card/?sourcecode%5F1=IYPE&producttype=FFP&schema=cola&appscode=OAOV) **You’ll need:** * Details of your income, expenses, liabilities and assets * Proof of identity. ### Credit Card Quick Start Start your application online. We’ll call you back within 2 business days to help you complete it. [Get started now](https://www.anz.com.au/personal/credit-cards/credit-card-quick-start-form/) Or call [13 33 33](tel:133333) Available Monday to Friday, 8am to 8pm ## See our other Frequent Flyer and Rewards credit cards [](https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/) ### [ANZ Frequent Flyer Black credit card](https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/)
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ANZ's highest Qantas Points earn rate[Superscript: 1](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-points-disclaimer)
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ANZ's highest Qantas Points earn rate
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**$15,000** Minimum credit limit **$425**
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Current annual fee[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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Current annual fee
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[**See Frequent Flyer Black**](https://www.anz.com.au/personal/credit-cards/frequent-flyer-black/) **Earn up to 130,000 bonus Qantas Points!**
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Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months.[Superscript: 17](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fanz-frequent-flyer-black-offer-disclaimer)
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Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months.
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New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).[Superscript: 3](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fall-frequent-flyer-annual-fee)
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New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).
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[](https://www.anz.com.au/personal/credit-cards/rewards-black/) ### [ANZ Rewards Black credit card](https://www.anz.com.au/personal/credit-cards/rewards-black/)
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Highest ANZ Reward Points earn rate[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)
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Highest ANZ Reward Points earn rate
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**$15,000** Minimum credit limit **$375**
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Current annual fee[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)
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Current annual fee
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[**See ANZ Rewards Black**](https://www.anz.com.au/personal/credit-cards/rewards-black/) [How to use ANZ Rewards Points](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/) **Earn up to 160,000 extra ANZ Reward Points**
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Earn an extra 110,000 ANZ Reward Points[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer) and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval.[Superscript: 16](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-black-offer-disclaimer) Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months.[Superscript: 16](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-black-offer-disclaimer)
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Earn an extra 110,000 ANZ Reward Points and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months.
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New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375).[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)
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New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375).
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[](https://www.anz.com.au/personal/credit-cards/rewards-platinum/) ### [ANZ Rewards Platinum credit card](https://www.anz.com.au/personal/credit-cards/rewards-platinum/)
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Uncapped ANZ Reward Points earn rate[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)
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Uncapped ANZ Reward Points earn rate
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**$6,000** Minimum credit limit **$149**
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Current annual fee[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)
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Current annual fee
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[**See ANZ Rewards Platinum**](https://www.anz.com.au/personal/credit-cards/rewards-platinum/) [How to use ANZ Rewards Points](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/)
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**Earn 100,000 extra ANZ Reward Points[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer) and $50 back to your new card**
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**Earn 100,000 extra ANZ Reward Points and $50 back to your new card**
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when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Platinum credit card.[Superscript: 18](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fanz-rewards-platinum-offer-disclaimer)
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when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Platinum credit card.
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New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).[Superscript: 15](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Fall-rewards-annual-fee)
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New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).
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## Ways your credit card is protected ### [ANZ Falcon® fraud protection](https://www.anz.com.au/security/how-we-protect-you/credit-card/#falcon) ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money. ### [Fraud money back guarantee](https://www.anz.com.au/security/credit-card/#fraud)
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Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.[Superscript: 19](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5Felectronic-banking-conditions-of-use)
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Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.
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### [Card security microchip](https://www.anz.com.au/security/how-we-protect-you/credit-card/#microchip) An embedded card microchip makes it harder for your card to be fraudulently copied. ### [Visa secure](https://www.anz.com.au/security/credit-card/#verified) #### (formerly known as Verified by Visa) Some added peace of mind to securely shop online. ### Decisions? Decisions? Need help choosing a credit card? Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best. [Visit credit card finder](https://www.anz.com.au/personal/credit-cards/compare-cards/credit-card-finder/) ## Your questions answered ### Qantas Points ### [ Can I apply for this card if I'm not already a Qantas Frequent Flyer member? ](#)
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Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved.[Superscript: 11](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fqantas-membership-joining-waiver)
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Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved.
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### [ When will my Qantas Points appear on my Frequent Flyer card? ](#) Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the [Qantas website](https://www.qantas.com/au/en/frequent-flyer/use-points.html). ### [ How do I spend my Qantas Points? ](#) You can redeem your Qantas Frequent Flyer points online at the [Qantas website](https://www.qantas.com/au/en/frequent-flyer.html). Points may be spent on flights, hotels, shopping and more. ### [ How do I check my Qantas Points balance? ](#) You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the [Qantas website.](https://www.qantas.com/au/en/frequent-flyer.html) ### [ Can I choose to earn Velocity Points instead of Qantas Points? ](#)
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Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our [Rewards credit cards,](https://www.anz.com.au/personal/credit-cards/rewards/) which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.[Superscript: 14](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FRewards%5Freward-points-disclaimer)
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Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our [Rewards credit cards,](https://www.anz.com.au/personal/credit-cards/rewards/) which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.
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### [ Does this credit card come with airport lounge access? ](#)
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Only the ANZ Frequent Flyer Black credit card offers two complimentary invitations to the Qantas Club lounge per year.[Superscript: 20](#%5Fcontent%5Fanzcomau%5Fen%5Freusable%5Fpersonal%5Fcreditcards%5FDisclaimers%5FFrequent-Flyer%5Fcomplimentary-qantas-club-lounge-invitations)
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Only the ANZ Frequent Flyer Black credit card offers two complimentary invitations to the Qantas Club lounge per year.
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### [ What is an eligible purchase? ](#) Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn Qantas Points. Examples of transactions and other items that do not earn Qantas Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions that are not eligible to earn Qantas Points and how these transactions are identified, please refer to the [ANZ Frequent Flyer Reward Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). ### General ### [ Can I change from one type of ANZ credit card to another? ](#) Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only. To request a change of credit card, choose one of the following options. **Online:** Log on to [ANZ Internet Banking](https://login.anz.com/internetbanking) and select your credit card account **Over the phone:** Call [13 22 73](tel:132273) between 7am-11pm (AEST) 7 days a week. Call +61 3 9683 9999 from overseas. ### Credit scores ### [ How do I check my credit report? ](#) The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost. To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies. Visit the [Credit Smart](https://www.creditsmart.org.au/otherhelpfulservices/credit-reporting-bodies/) website for more information ### [ How can I improve my credit score? ](#) There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the [Credit Smart](https://www.creditsmart.org.au/know-your-credit-score/how-to-improve-your-credit-score/) website. ### Overseas Transaction Fee changes
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### [ What changes to the Overseas Transaction Fee will be occurring? ](#)
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### [ What changes to the Overseas Transaction Fee have occurred? ](#)
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Effective from **2 May 2025**:
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* the amount of the Overseas Transaction Fee will increase from 3% to 3.5%. This will apply to all overseas transactions processed to your account from 2 May 2025\. If you make a transaction before then which is processed on or after 2 May 2025, the increased Overseas Transaction Fee will apply.
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* the amount of the Overseas Transaction Fee has increased from 3% to 3.5%. This will apply to all overseas transactions processed to your account from 2 May 2025\. If you make a transaction before then which is processed on or after 2 May 2025, the increased Overseas Transaction Fee will apply.
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* Overseas Transaction Fees will not be refunded where the related overseas transaction is refunded or reversed. This will apply to refunded or reversed overseas transactions processed to your account on or from 2 May 2025.
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### [ Why are these changes occurring? ](#)
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### [ Why have these changes occurred? ](#)
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We regularly review our products, pricing and product features, and will be making these changes to reflect current market conditions.
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We regularly review our products, pricing and product features, and have made these changes to reflect current market conditions.
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### [ How will I be impacted by the change in the Overseas Transaction Fee increase? ](#)
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### [ How have I been impacted by the change in the Overseas Transaction Fee increase? ](#)
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For example, if you make an overseas transaction using your ANZ credit card on 30 April 2025 and the transaction is processed to your credit card account on 2 May 2025, an Overseas Transaction Fee of 3.5% will be charged.
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### [ How will I be impacted by the change in the Overseas Transaction Fee refund? ](#)
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### [ How have I been impacted by the change in the Overseas Transaction Fee refund? ](#)
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For example, if you make an overseas transaction on 1 April 2025 and the transaction is processed to your account on 4 April 2025, an Overseas Transaction Fee of 3% will be charged. If the overseas transaction is refunded or reversed, and processed to your credit card account on 2 May 2025, the Overseas Transaction Fee will not be refunded. ### [ Do I need to do anything due to the Overseas Transaction Fee changes? ](#)
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There’s no need for you to do anything as these changes will automatically be applied to your account. However, it’s important you’re aware of what’s changing and how it impacts you.
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There’s no need for you to do anything as these changes have automatically been applied to your account. However, it’s important you’re aware of what’s changed and how it impacts you.
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## Help and support ### Getting started [Activate card and set PIN ](https://www.anz.com.au/support/activate-card/) [Set up automatic payments ](https://www.anz.com.au/ways-to-bank/more/cardpay-direct/) [Add a card to your digital wallet ](https://www.anz.com.au/ways-to-bank/digital-wallets/) [Interest rates, fees & terms ](https://www.anz.com.au/personal/credit-cards/manage-my-card/rates-fees-terms/) ### Using your card [Manage your card ](https://www.anz.com.au/support/manage-your-card/) [Order a replacement card ](https://www.anz.com.au/support/manage-your-card/#replace) [Set up instalment plans ](https://www.anz.com.au/personal/credit-cards/instalment-plans/) [Dispute a transaction ](https://www.anz.com.au/support/view-or-dispute-transactions/) [Decrease limit or close account ](https://www.anz.com.au/personal/credit-cards/manage-my-card/reduce-limit-close-account/) [Forms and Documents ](https://www.anz.com.au/personal/credit-cards/manage-my-card/forms-documents/) ### Emergency assistance [Lost or stolen cards ](https://www.anz.com.au/support/lost-stolen-card/) [Financial assistance ](https://www.anz.com.au/support/financial-hardship/) [Gambling help ](https://www.anz.com.au/support/gambling/) ### Other help topics [Notify us of travel ](https://www.anz.com.au/personal/travel-international/guides/credit-card-travel-tips/) [Credit card insurance ](https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/) [Join Cashrewards ](https://www.anz.com.au/promo/personal/cashrewards/) [Redeeming Rewards ](https://www.anz.com.au/personal/credit-cards/how-to-redeem-rewards/) ### Boost your credit card knowledge With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more. [Learn more about Creducation ](https://www.anz.com.au/personal/credit-cards/credit-card-education/) [More Help and Support](https://www.anz.com.au/support/) ## Connect with our specialists #### **Call us** Our team are available Monday to Friday from 8am to 8pm (AEST). [Call 13 33 33](tel:133333) [See other contact options ](https://www.anz.com.au/support/contact-us/personal-credit-cards/) ### **Locate us** Find your nearest ATM or branch. [Book an appointment](https://www.anz.com.au/book-appointment/appointment-booking/) [Find a location or specialist](https://www.anz.com.au/locations/) ### **Get help with your application** We're here to answer your application questions and help you get started. [Request a callback](https://www.anz.com.au/personal/credit-cards/credit-card-quick-start-form/)
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### You will now be directed to our partner website. [Continue](https://anzloungepass.lifestyleprivileges.com/)
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## [Important information](#) Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527. Falcon® is a registered trademark of Fair Isaac Corporation. The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522\. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available [here for iOS (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-iOS.pdf) and [here for Android (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/ANZ-App-Current-Terms-and-Conditions-Android.pdf) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App. 1\. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account. [Return](#)
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2\. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum Credit Card and is limited to one offer per applicant.
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2\. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card and is limited to one offer per applicant.
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ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
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Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.
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Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
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[Return](#) 3\. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call **[13 22 73](tel:132273)** for information regarding the fees that apply to their account. [Return](#) 4\. Standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change. [Return](#) 5\. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the [ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. [Return](#) 6\. The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders. ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice. [Return](#) 7\. Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received. [Return](#) 8\. Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and [T&Cs apply](https://www.cashrewards.com.au/terms-and-conditions). Please visit [Cashrewards](https://www.cashrewards.com.au/) for further details. [Return](#) 9\. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at [anz.com/mobilepayments](https://www.anz.com.au/ways-to-bank/digital-wallets/). Terms and conditions apply to the use of [Apple Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/applepay-tcs.pdf), [Google Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/googlepay-tcs.pdf), [Samsung Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/samsungpay-Terms-and-Conditions.pdf), [Fitbit Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/googlepay-for-fitbit-tcs.pdf) and [Garmin Pay (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/garmin-pay-tcs.pdf). [Return](#) 10\. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. [Return](#) 11\. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the [Qantas website](http://www.qantas.com/joinffanz). This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change. [Return](#) 12\. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account. For details on using your Qantas Points please refer to the [Qantas website](https://www.qantas.com/au/en/frequent-flyer.html). [Return](#) 13\. Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the [ANZ Credit Cards Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf). Existing customers should review their credit contract for information regarding their account. [Return](#) 14\. ANZ Reward Points are earned and redeemed in accordance with the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the [ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). [Return](#) 15\. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. [Return](#)
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16\. Offer available to new and approved applicants who apply for an ANZ Rewards Black Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 110,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points for retaining the card for over 15 months will be credited to your credit card account within 3 months from the second annual fee being charged. The 160,000 extra ANZ Rewards Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit card in the last 12 months.
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16\. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 110,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points for retaining the card for over 15 months will be credited to your credit card account within 3 months from the second annual fee being charged. The 160,000 extra ANZ Rewards Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
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[Return](#) 17\. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
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Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.
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Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the [ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-ff-reward-tc.pdf) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
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[Return](#)
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18\. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum Credit Card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Rewards Credit Card in the last 12 months.
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18\. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the [ANZ Rewards - Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) or the [ANZ Rewards – Rewards Program Terms and Conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-rewards-program-terms-conditions.pdf). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
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[Return](#) 19\. Refer to the Electronic Banking Conditions of Use contained in your product [terms and conditions (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf). [Return](#)
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20\. Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by calling the ANZ Personal Concierge on [**1300 580 765**](tel:1300580765). Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on [qantas.com/qantasclub](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club.html). Qantas Club Complimentary Invitations are subject to [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and [Qantas Club Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/terms-conditions.html). Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.
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Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by submitting the [ANZ Aspire lounge invitation redemption form](#) or by calling the ANZ Personal Concierge on [**1300 580 765**](tel:1300580765). Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the [ANZ Credit Card Conditions of Use (PDF)](https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-creditcards-conditions-of-use.pdf) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on [qantas.com/qantasclub](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club.html). Qantas Club Complimentary Invitations are subject to [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and [Qantas Club Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/terms-conditions.html). Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.
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- Personal
- Credit cards
- ANZ Frequent Flyer Platinum
Earn Qantas Points with ANZ Frequent Flyer Platinum
Enjoy uncapped Qantas Points plus our new credit card offer:
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75,000 bonus Qantas Points
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$100 back to your new ANZ Frequent Flyer Platinum card
when you spend $2,500 on eligible purchases in the first 3 months from approval.
New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).
What to expect from this Qantas Points card…
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Qantas Points
Earn 0.75 Qantas Points for every $1 up to and including $3,000*
Earn 0.5 Qantas Points for every $1 over $3,000*
*per statement period, eligible purchases only
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20.99% p.a. interest rate
on purchases
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$6,000 minimum credit limit
and you expect you will be able to repay all or most of the closing balance each month
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$295 Annual Fee
Things to consider
- A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ Frequent Flyer Platinum card might not be suitable if you only make minimum repayments over a prolonged period
- A higher annual fee compared to the ANZ First card
- A lower Qantas Points earn rate than the ANZ Frequent Flyer Black card.
Plus you'll also get...
Travel insurance
Planning a trip? You may be eligible for complimentary travel insurance, plus cover for rental vehicle excess in Australia, when you purchase travel using your ANZ credit card.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
Insurance on purchases
Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurance and Purchase Protection Insurance.
T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.
Buy now, repay later
ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.
Approval, eligibility and T&Cs apply. Fees and charges may apply.
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24/7 Personal concierge
Get help with domestic and international restaurant or hotel bookings, gift ideas, travel recommendations and much more.
Call us on 1300 580 765 (or +61 2 7907 0805).
ANZ Falcon® fraud protection
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Balance transfers
Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.
Cashrewards
Earn cashback plus Qantas Points from more than 2,000 popular retailers when you shop through Cashrewards.
Digital wallet compatible
An easy way to pay using your ANZ credit card on your compatible mobile device. And, if you need a replacement card, digital cards are faster than the post.
More Qantas features
Bonus Qantas Points
Earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services, as well as bonus points with our Bonus Partners.
Qantas Frequent flyer membership
Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not yet a member and sign up using the link provided by ANZ.
What could 75,000 Qantas Points get you?
You could redeem them for one of the following:
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Domestic flights
across a whole range of popular routes.
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International flights
so you can treat yourself to a well-deserved holiday.
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Classic upgrade rewards
for a little luxury on international or domestic flights.
Rates and fees
$6,000 Minimum credit limit
Up to 44 Interest-free days on purchases
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Standard interest rates
20.99% p.a. on purchases
21.99% p.a. on cash advances
21.99% p.a. on balance transfers
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Annual fees
$295 Annual Fee
(includes $240 Annual Fee and $55 Rewards Program Service Fee)
Up to 9 additional cardholders
for an annual fee of $65 per additional cardholder
For details about all applicable fees & charges please refer to the ANZ Credit Cards Conditions of Use (PDF) and ANZ Consumer Credit Cards Fees and Charges (PDF).
Eligibility
Who can apply?
To apply for an ANZ Frequent Flyer Platinum credit card, you’ll need to:
- be 18 years of age or over
- be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- have a good credit rating
- ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
Not sure if you’re eligible?
Call our credit card specialists on 13 22 73.
Get started online
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Apply online
You’ll need:
- Details of your income, expenses, liabilities and assets
- Proof of identity.
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Credit Card Quick Start
Start your application online. We’ll call you back within 2 business days to help you complete it.
Or call 13 33 33
Available Monday to Friday, 8am to 8pm
See our other Frequent Flyer and Rewards credit cards
ANZ Frequent Flyer Black credit card
ANZ's highest Qantas Points earn rate
$15,000
Minimum credit limit
$425
Current annual fee
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Earn up to 130,000 bonus Qantas Points!
Earn 90,000 bonus Qantas Points and $200 credit back to your new ANZ Frequent Flyer Black credit card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, earn an additional 40,000 bonus Qantas Points when you keep your card for over 12 months.
New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).
ANZ Rewards Black credit card
Highest ANZ Reward Points earn rate
$15,000
Minimum credit limit
$375
Current annual fee
How to use ANZ Rewards Points
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Earn up to 160,000 extra ANZ Reward Points
Earn an extra 110,000 ANZ Reward Points and $100 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval. Plus, an additional 50,000 ANZ Reward Points when you keep the card for over 15 months.
New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375).
ANZ Rewards Platinum credit card
Uncapped ANZ Reward Points earn rate
$6,000
Minimum credit limit
$149
Current annual fee
How to use ANZ Rewards Points
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Earn 100,000 extra ANZ Reward Points and $50 back to your new card
when you spend $2,000 on eligible purchases in the first 3 months from approval of your new ANZ Rewards Platinum credit card.
New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).
Ways your credit card is protected
ANZ Falcon® fraud protection
ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.
Fraud money back guarantee
Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.
Card security microchip
An embedded card microchip makes it harder for your card to be fraudulently copied.
Visa secure
(formerly known as Verified by Visa)
Some added peace of mind to securely shop online.
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Decisions? Decisions? Need help choosing a credit card?
Explore our range and compare features, trade-offs and fees to help you choose the card that suits you best.
Your questions answered
Qantas Points
Can I apply for this card if I'm not already a Qantas Frequent Flyer member?
Yes, you can apply for this card. You’ll also receive complimentary Qantas Frequent Flyer membership if your application for an ANZ Frequent Flyer credit card is approved.
When will my Qantas Points appear on my Frequent Flyer card?
Your Qantas Points are automatically credited to your Qantas Frequent Flyer account every month. To find out how to use your Qantas Points and when they expire, visit the Qantas website.
How do I spend my Qantas Points?
You can redeem your Qantas Frequent Flyer points online at the Qantas website. Points may be spent on flights, hotels, shopping and more.
How do I check my Qantas Points balance?
You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website.
Can I choose to earn Velocity Points instead of Qantas Points?
Our Frequent Flyer credit cards are for Qantas Frequent Flyer points earning only. Velocity Frequent Flyer members may like to check out our Rewards credit cards, which allow you to redeem your ANZ Rewards Points with our other airline partners, including Velocity Frequent Flyer.
Does this credit card come with airport lounge access?
Only the ANZ Frequent Flyer Black credit card offers two complimentary invitations to the Qantas Club lounge per year.
What is an eligible purchase?
Most every day purchases are eligible purchases. Certain transactions and other items are not eligible to earn Qantas Points. Examples of transactions and other items that do not earn Qantas Points are interest charges, fees, cash advances, cash equivalent transactions, balance transfers, BPAY or Post BillPay payments, Government Charges (includes but is not limited to payments for goods, services, charges and/or levies made to a local, state or federal government or statutory authorities or related agencies), transactions for gambling or gaming purposes and reversed or refunded transactions will not count towards your qualifying eligible purchases. For more details of transactions that are not eligible to earn Qantas Points and how these transactions are identified, please refer to the ANZ Frequent Flyer Reward Terms and Conditions (PDF).
General
Can I change from one type of ANZ credit card to another?
Yes you can change from one ANZ credit card type to another. But please note that if you change your credit card, you won’t be eligible for promotional offers advertised on ANZ.com, which are available for new card applications only.
To request a change of credit card, choose one of the following options.
Online:
Log on to ANZ Internet Banking and select your credit card account
Over the phone:
Call 13 22 73 between 7am-11pm (AEST) 7 days a week.
Call +61 3 9683 9999 from overseas.
Credit scores
How do I check my credit report?
The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.
To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.
Visit the Credit Smart website for more information
How can I improve my credit score?
There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.
Overseas Transaction Fee changes
What changes to the Overseas Transaction Fee have occurred?
Effective from 2 May 2025:
- the amount of the Overseas Transaction Fee has increased from 3% to 3.5%. This will apply to all overseas transactions processed to your account from 2 May 2025. If you make a transaction before then which is processed on or after 2 May 2025, the increased Overseas Transaction Fee will apply.
- Overseas Transaction Fees will not be refunded where the related overseas transaction is refunded or reversed. This will apply to refunded or reversed overseas transactions processed to your account on or from 2 May 2025.
Why have these changes occurred?
We regularly review our products, pricing and product features, and have made these changes to reflect current market conditions.
How have I been impacted by the change in the Overseas Transaction Fee increase?
For example, if you make an overseas transaction using your ANZ credit card on 30 April 2025 and the transaction is processed to your credit card account on 2 May 2025, an Overseas Transaction Fee of 3.5% will be charged.
How have I been impacted by the change in the Overseas Transaction Fee refund?
For example, if you make an overseas transaction on 1 April 2025 and the transaction is processed to your account on 4 April 2025, an Overseas Transaction Fee of 3% will be charged. If the overseas transaction is refunded or reversed, and processed to your credit card account on 2 May 2025, the Overseas Transaction Fee will not be refunded.
Do I need to do anything due to the Overseas Transaction Fee changes?
There’s no need for you to do anything as these changes have automatically been applied to your account. However, it’s important you’re aware of what’s changed and how it impacts you.
Help and support
Getting started
Add a card to your digital wallet
Using your card
Decrease limit or close account
Emergency assistance
Other help topics
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Boost your credit card knowledge
With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.
Connect with our specialists
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Call us
Our team are available Monday to Friday from 8am to 8pm (AEST).
Call 13 33 33
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Locate us
Find your nearest ATM or branch.
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Get help with your application
We're here to answer your application questions and help you get started.
You will now be directed to our partner website.
Important information
Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.
Falcon® is a registered trademark of Fair Isaac Corporation.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
1. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.
2. Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 75,000 bonus Qantas Points and $100 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 75,000 bonus Qantas Points will not be credited and you will not be eligible for $100 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
3. For ANZ Frequent Flyer Platinum, a total annual fee of $295 applies which includes a $240 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Frequent Flyer Black, a total annual fee of $425 applies which includes a $370 Annual Fee and a $55 Rewards Program Services Fee. For Additional Cardholders on an ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.
4. Standard annual interest rate is 20.99% p.a. on the purchases balance, 21.99% p.a. on the cash advances balance and 21.99% p.a. on the standard balance transfers balance as at today's date and is subject to change.
5. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631(trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Platinum and Black Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
6. The ANZ Concierge Service is available for all ANZ Rewards Black, ANZ Rewards Platinum, ANZ Rewards Travel Adventures, ANZ Platinum, ANZ Frequent Flyer Black and ANZ Frequent Flyer Platinum credit cardholders.
ANZ may change, replace or withdraw the ANZ Concierge Service by giving you reasonable notice.
7. Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.
8. Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply. Please visit Cashrewards for further details.
9. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay (PDF), Google Pay (PDF), Samsung Pay (PDF), Fitbit Pay (PDF) and Garmin Pay (PDF).
10. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number) Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.
11. This joining fee waiver is offered by ANZ. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website. This offer is non-transferable and not available in conjunction with any other offer. Qantas Frequent Flyer membership and each application is subject to approval by Qantas. Current joining fee $99.50 as at 7 April, 2022, subject to change.
12. Qantas Points and Bonus Qantas Points are earned and redeemed in accordance with the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF) (please call 13 13 14 for a copy). Certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account. For details on using your Qantas Points please refer to the Qantas website.
13. Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.
14. ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF).
15. For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at today's date and are subject to change. The fee information displayed on this page applies to new customers only.
16. Offer available to new and approved applicants who apply for an ANZ Rewards Black credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages, or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application, and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 110,000 extra ANZ Reward Points and the $100 will generally be credited to your credit card account within three months of meeting the spend criteria. The $100 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 50,000 extra ANZ Reward Points for retaining the card for over 15 months will be credited to your credit card account within 3 months from the second annual fee being charged. The 160,000 extra ANZ Rewards Points will not be credited and you will not be eligible for the $100 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
17. Offer is for new and approved credit card applicants and is limited to one offer per applicant.
ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.
Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn Qantas Points. For details see the ANZ Frequent Flyer Reward Terms and Conditions booklet (PDF). The 90,000 bonus Qantas Points and $200 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $200 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 40,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the second annual fee being charged. The 130,000 bonus Qantas Points will not be credited and you will not be eligible for $200 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Frequent Flyer Rewards Terms and Conditions booklet (PDF) prior to the bonus Qantas Points or $200 being credited to your ANZ Credit Card Account. You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
18. Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays. Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Some transactions and other items are not eligible purchases as they are not eligible to earn ANZ Rewards Points. For details see the ANZ Rewards - Rewards Program Terms and Conditions (PDF). The 100,000 extra ANZ Reward Points and the $50 will generally be credited to your credit card account within three months of meeting the spend criteria. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. The 100,000 extra ANZ Reward Points will not be credited and you will not be eligible for the $50 back if your credit card is cancelled, suspended, transferred, or you have breached either the ANZ Credit Card Conditions of Use (PDF) or the ANZ Rewards – Rewards Program Terms and Conditions (PDF). You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer or ANZ Rewards credit card in the last 24 months.
19. Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).
Offer only available to ANZ Frequent Flyer Black account holders. Account holders may request no more than two Qantas Club Lounge invitations in any 12 month period by submitting the ANZ Aspire lounge invitation redemption form or by calling the ANZ Personal Concierge on 1300 580 765. Qantas Club Complimentary Invitations will then be available via the Complimentary Invitations Portal, provided the account holder is not in breach of the ANZ Credit Card Conditions of Use (PDF) and the account remains open. Qantas Club Complimentary Invitations are provided courtesy of ANZ and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class Lounges, Chairman's Lounge, Qantas Domestic Business Class lounges, Qantas Oneworld® alliance airline, partner airline or associated lounges. Invitations must not be sold in any way and Qantas reserves the right to cancel invitations that are in breach of this policy. Invitations are valid for 12 months from date of issue. Each Invitation is valid for a single visit for one person only before the expiry date when travelling on a Qantas or Jetstar flight with a QF or JQ flight number. You can link invitations to an eligible flight or transfer to a family member, colleague or friend through the Complimentary Invitations Portal section on qantas.com/qantasclub. Qantas Club Complimentary Invitations are subject to Complimentary Lounge Invitation Terms and Conditions and Qantas Club Lounge Entry Terms and Conditions. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff.
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