ANZ Frequent Flyer Black

Name: ANZ Frequent Flyer Black
Brand: ANZ

Data last updated 27 July 2026

20.99%

Purchase rate

$370

Annual fee

80,000

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CardIQ

39Basic

Basic

Overall score, out of 100 · How this works

Airport lounge34
Balance transfer31
Frequent flyer42
Qantas Points42
Rewards37
Sign-up bonus56
Travel31

Customer reviews

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Pros & cons

What's good

80,000 bonus Qantas Points to start, worth around $960 at our 1.2c-per-point valuation.
Complimentary airport lounge access.
Points don't expire while your account is open and in order.

Worth noting

The $370 annual fee is toward the top of the market (the median is $70).
The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
Earns 1 point per $1 on everyday spend, around the dataset average.
The 1-point rate on everyday spend applies only to the first $7,500 spent each statement period, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee: $65 p.a.
Card tier: Black
Card type: Visa
Card use: Personal
Credit limit: $15,000 – $100,000
Credit rating: Good
Rewards program: Qantas Frequent Flyer

Eligibility

Instant approval: Yes (response in ~60 seconds)
Joint application: No
Minimum age: 18 years old
Minimum income: Not specified
Residency: Australian citizen or permanent resident
Temporary residents: Eligible

Rates & fees

Ongoing interest rates

Cash advances: 21.99% p.a.
Purchases: 20.99% p.a.

Fees

Additional cardholder fee: $65
Annual fee: $370 p.a.
Cash advance fee: 3% of the amount
Foreign transaction fee: 3.5%
Late payment fee: $20

Repayments

Interest-free period: Up to 44 days on purchases
Minimum repayment: 2% of the closing balance or $25, whichever is greater

Balance transfers

Limit: Up to your available credit limit
Period: 0 months
Promotional rate: 21.99% p.a.
Revert rate: 0.00% p.a.
Transfer fee: 0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend: 1 pt per $1 up to $7,500 per statement period
Bonus categories: None
Other purchases: None
Overseas spend: None
ATO/government: None
Reduced rate above monthly cap: 0.5 pts per $1 above $7,500 per statement period
Points cap: Uncapped
Points expiry: Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required: —
Sign-up bonus: 80,000 points

Where these points could take you

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

FeatureThis cardWhere it ranks

Rewards value$432 a yearTop 25% (13th of 95 cards)

Sign-up bonus$960Middle of the market (31st of 59 cards)

Purchase rate20.99%Not as good as most cards (125th of 196 cards)

Interest-free days44 daysNot as good as most cards (141st of 192 cards)

Overseas fee3.50%Not as good as most cards (152nd of 200 cards)

Annual fee$370 a yearAmong the most expensive (183rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare: Australian credit card statisticsHow CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuer: ANZ
Program: Qantas Frequent Flyer