ANZ Frequent Flyer Black

By ANZ

Our most rewarding Qantas experience

Last product change: 21 Oct 2025

Last checked: 08 Dec 2025

 
The ANZ, ANZ Frequent Flyer Black card

Lending Rates

Type Rate (p.a.) Comparison Rate (p.a.) Duration

Cash Advance

21.99%

 -

Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers.

Purchase

20.99%

 -

Rates are subject to change

Fees

Billing FrequencyDetails
Account ServicePeriodic
P1Y
Annual service fee for the credit card account
Rewards ProgramPeriodic
P1Y
Annual service fee for membership of the Rewards program
Additional Cardholder Account ServicePeriodic
P1Y
Annual service fee for each additional cardholder
Additional Cardholder Rewards ProgramPeriodic
P1Y
Annual service fee for each additional cardholder's membership of the Rewards program
Cash AdvanceWithdrawal
Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y
Overseas Transaction FeePurchase
null
Late PaymentEvent
null
Over LimitEvent
null
Priority FeeEvent
We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.
Balance Transfer FeeEvent
We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer.
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Features

Additional Cards 9 additional cards

Up to 9 for an annual fee of $65 per additional cardholder.

Cashback Offers
  • $200

    90,000 bonus Qantas Points and $200 back to your new card when you spend $5,000 on eligible purchases in the first 3 months from approval plus 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. The amount of the cashback offer (in AUD). Subject to terms, conditions and eligibility criteria, the product has a cashback offer for opening an account or by spending at a certain retailer. Read more

Balance Transfer Yes
Interest Free Period 44 days
Loyalty Programs
  • Qantas Points

    1 Qantas Points per $1 spent on eligible purchases up to and including $7,500 per statement period. 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period. Read more