ANZ Frequent Flyer Black

By ANZ

Our most rewarding Qantas experience

Last product change: 24 Sep 2025

Last checked: 01 Oct 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
$370.00
P1Y
Annual service fee for the credit card account
Rewards ProgramPeriodic
$55.00
P1Y
Annual service fee for membership of the Rewards program
Additional Cardholder Account ServicePeriodic
$10.00
P1Y
Annual service fee for each additional cardholder
Additional Cardholder Rewards ProgramPeriodic
$55.00
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
P1Y
Late PaymentEvent
$20.00
P1Y
Over LimitEvent
$20.00
P1Y
Instalment Plan FeeVariable
$0.00
Instalment Plan fees are determined when a customer accepts an instalment plan.
Balance Transfer FeeVariable
A Balance Transfer Fee may be charged when a customer does a balance transfer.
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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