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Qantas points offer

Earn Qantas Points with
ANZ Frequent Flyer Black

Enjoy our highest Qantas Points earn ratedisclaimerplus our new credit card offer:

100,000 bonus Qantas Points and $250 back
to your new card when you spend $5,000 on eligible purchases in the first 3 months from approvaldisclaimer

 

an additional 30,000 bonus Qantas Points
when you keep your card for over 12 monthsdisclaimer

Apply online now

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $425).disclaimer

What to expect from this Qantas Points card…

aeroplane and gifbox

Qantas Points

  • Earn 1 Qantas Point for every $1 up to and including $7,500*
  • Earn 0.5 Qantas Points for every $1 over $7,500*

(*per statement period, eligible purchases only)disclaimer

consolidation interest rate

 interest rate

on purchasesdisclaimer

savings account

$15,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

calendar with dollar

$425 Annual Feedisclaimer

Things to consider

ANZ Frequent Flyer Black has:

  • a higher interest rate on purchases compared to the ANZ Low Rate card, so it might not be suitable if you only make minimum repayments over a prolonged period
  • a higher annual fee compared to the ANZ First card and ANZ Frequent Flyer Platinum.

What could 130,000 Qantas Points get you?disclaimer

You could redeem them for one of the following:

 

Domestic flights

across a whole range of popular routes.

 

International flights

so you can treat yourself to a well-deserved holiday.

 

Classic upgrade rewards 

for a little luxury on international or domestic flights.

Enjoy Qantas Points and more…

Buy now, repay later. ANZ Instalment Plans could be a handy way to repay your credit card purchases over 3, 6 or 12 months.

Approval, eligibility criteria and T&Cs apply. Fees and charges may apply.

Uncapped Qantas Points on eligible purchasesdisclaimer- certain transactions and other items are not eligible to earn Qantas Points, for details refer to the ANZ Frequent Flyer Reward Terms and Conditions.disclaimer

Two complimentary Qantas Club lounge invitations each yeardisclaimer and a discount on a 1-year Qantas Club membership.disclaimer

Invitation-only exclusives by ANZ, giving you access to an exceptional program of uniquely crafted, once-in-a-lifetime entertainment, food and lifestyle experiences.

Earn 1 bonus Qantas Pointdisclaimerper $1 spent on selected Qantas products and services,disclaimeras well as bonus points with our Bonus Partners. There is no limit on the amount of bonus points you can earn in a statement period.

Complimentary insurances, including International and Domestic Travel Insurance, Rental Vehicle Excess in Australia, Extended Warranty Insurance and Purchase Protection Insurance. Terms, conditions, limits, exclusions and eligibility criteria apply.disclaimer

A Personal Conciergedisclaimer available 24 hours a day to help you with restaurant or hotel bookings, gift ideas, travel recommendations and much more.

Contact the ANZ Concierge Service on 1300 580 765 (or +61 2 7907 0805).

Compatibility with digital wallets, like Apple Pay, Google Pay, Samsung Pay and wearables like Fitbit and Garmin for easy tap and go.disclaimer

24/7 anti-fraud protection with ANZ Falcon security. If we identify any unusual transactions, we’ll contact you to help protect your money.

Complimentary Qantas Frequent Flyer membership, currently worth $99.50 if you're not a Qantas Frequent Flyer member yet.disclaimer

Earn cashback plus Qantas Pointsdisclaimer from more than 2,000 popular retailers when you shop through Cashrewards.disclaimer Tap For You in the ANZ App to browse the latest cashback offers.

Make managing multiple debts easier by transferring your balances from non-ANZ credit and store cards to your existing ANZ credit card.

Rates and fees

$15,000 Minimum credit limit

Up to 55 Interest-free days on purchasesdisclaimer

Standard interest rates

on purchasesdisclaimer

on cash advancesdisclaimer

on balance transfersdisclaimer

Annual fees

$425 Annual Fee
(includes $370 Annual Fee and $55 Rewards Program Service Fee)disclaimer

Up to 9 additional cardholders
for an annual fee of $65 per additional cardholderdisclaimer

 

For details about all applicable fees & charges please refer to the  ANZ Credit Cards Conditions of Use (PDF) and ANZ Personal Banking Account Fees and Charges (PDF).

Eligibility

Who can apply?
 

To apply for an ANZ Frequent Flyer Black 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 9 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 Black, ANZ Frequent Flyer Platinum or an ANZ Frequent Flyer credit card in the last 12 months.

Not sure if you’re eligible?

Call our credit card specialists on 13 22 73.

 

Get started online

Apply online

Apply online now


You’ll need:

  • Details of your income, expenses, liabilities and assets
  • Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it.

See our other Frequent Flyer and Rewards credit cards

ANZ Frequent Flyer Platinum

  • Uncapped Qantas Points earn ratedisclaimer
  • $6,000 Minimum credit limit
  • $295 current annual feedisclaimer

Qantas points offer

Earn 75,000 bonus Qantas Points and $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.disclaimer

New Frequent Flyer card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $295).disclaimer

ANZ Frequent Flyer Platinum

ANZ Rewards Black

  • Highest ANZ Reward Points earn ratedisclaimer
  • $15,000 Minimum credit limit
  • $375 current annual feedisclaimer

ANZ rewards offer

Earn 180,000 extra ANZ Reward Points and $150 back to your new ANZ Rewards Black card when you spend $3,000 on eligible purchases in the first 3 months from approval.disclaimer

New Rewards card. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $375).disclaimer

See ANZ Rewards Black

ANZ Rewards Platinum

  • Uncapped ANZ Reward Points earn ratedisclaimer 
  • $6,000 Minimum credit limit
  • $149 current annual feedisclaimer

ANZ Rewards offer

Earn 80,000 extra ANZ Reward Points and $50 back to your new ANZ Rewards Platinum card when you spend $2,000 on eligible purchases in the first 3 monthsdisclaimer from approval.disclaimer

New Rewards card. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $149).disclaimer

See ANZ Rewards Platinum

Ways your credit card is protected

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.disclaimer

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. 

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

Your questions answered

Qantas Points

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.disclaimer

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.

You can redeem your Qantas Frequent Flyer points online at the Qantas website. Points may be spent on flights, hotels, shopping and more.

  

You can check your Qantas Frequent Flyer balance by logging into your Frequent Flyer account at the Qantas website.

  

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.disclaimer

  

ANZ Frequent Flyer Black credit cardholders are entitled to two complimentary Qantas Club lounge invitations in any 12-month period.

You can redeem your complimentary Qantas Club lounge invitations by calling ANZ Concierge on 1300 580 765 (or +61 2 7907 0805 from overseas).

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, 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

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

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

  

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.

  

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

Connect with our specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Locate us

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a 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.

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.

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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 100,000 bonus Qantas Points and $250 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. The 30,000 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 $250 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 $250 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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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  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.

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Standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

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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 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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Offer only available to ANZ Frequent Flyer Black cardholders who are Australian residents. Offer non-transferable and not available in conjunction with any other offers or discounts. No discounts are available in respect of fees already paid. Customers who are eligible for this offer and contact the Qantas Frequent Flyer Service Centre on 13 11 31 to renew or purchase a new standard one year individual Qantas Club membership using an ANZ Frequent Flyer Black card will receive a joining fee waiver and discount on their standard one-year individual membership rate for Australian residents. Please speak to the Qantas Frequent Flyer Service Centre for current discounts and pricing. Different rates may be available for those with access to the Qantas Club Corporate scheme. Only one joining fee waiver and one membership fee discount available per year, per cardholder. Qantas Club membership is subject to approval by Qantas and to the terms and conditions of The Qantas Club, available at qantas.com/qantasclub.

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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.

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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. 

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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.

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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, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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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.

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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.

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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.

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ANZ Reward Points are earned and redeemed in the ANZ Rewards store 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).

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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.

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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 $150 will generally be credited to your credit card account within three months of meeting the spend criteria. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. ANZ Rewards Points will generally be credited to your ANZ Rewards Account within 3 months of meeting the spend criteria. ANZ Rewards Points will not be credited and you will not be eligible for the $150 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 Rewards credit card in the last 12 months.

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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 credit card in the last 12 months.

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Offer available to new and approved applicants who apply for an ANZ Rewards Platinum credit card. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Travel Adventures or ANZ Rewards Black credit card, or have closed, or qualified for extra Reward Points or a credit back on any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. If approved, you must activate the card and make $2,000 worth of eligible purchases within 3 months of approval to receive the 80,000 Rewards Points to your ANZ Rewards account and the $50 back to your credit card account. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Cards Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers [premiums paid for ANZ credit card insurance], transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The extra 80,000 Reward Points will be credited to your ANZ Rewards account and the $50 credited to your credit card account within three months of the eligible spend criteria being met. The $50 credit will be applied to the Purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Rewards Platinum Credit Card Account before the extra Reward Points or the $50 credit are processed to your account, you may become ineligible for this offer. ANZ may refuse to fulfill this offer if you are in default under the terms of your credit card contract. If your account is cancelled or suspended, you forfeit your right to redeem the extra Reward Points or the $50 credit under this offer.

There may be a delay in the process of receiving and/or approving an application or activating the card.  Applications for credit are subject to ANZ’s credit approval criteria. An Annual Fee of $149 applies. This fee is current as at  and is subject to change. For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

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The date of approval of an application is the disclosure date specified in your Letter of Offer.

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Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).

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