Frequent Flyer

Compare

Basic

Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
44
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$25
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$95
Late Payment Fee
Late Payment Fee
$20
Over limit fee
Over limit fee
$20
Duplicate statement fee
Duplicate statement fee
$0
Supplementary card annual fee
Supplementary card annual fee
$65
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Gold
Interest Free Days
Interest Free Days
44
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$1,000
Minimum repayment dollars
Minimum repayment dollars
$25
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$95
Late Payment Fee
Late Payment Fee
$20
Over limit fee
Over limit fee
$20
Duplicate statement fee
Duplicate statement fee
$0
Supplementary card annual fee
Supplementary card annual fee
$65
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
19.99%
Cash advance rate
Cash advance rate
21.49%
Purchase Rate
Purchase Rate
19.99%
Cash advance rate
Cash advance rate
21.49%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
95%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
95%
of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$6
Estimated ATM Cost
Estimated ATM Cost
$15
for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$6
Estimated ATM Cost
Estimated ATM Cost
$15
for AU $300 withdrawal

Rewards

Program name
Program name
Qantas Frequent Flyer
Rewards Available
Rewards Available
Gift Card, Domestic Flights, International Flights
Program name
Program name
Qantas Frequent Flyer
Rewards Available
Rewards Available
Gift Card, Domestic Flights, International Flights

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
$15,000
Eligibility conditions
Eligibility conditions
Minimum age
Minimum age
18
Minimum income
Minimum income
$15,000
Eligibility conditions
Eligibility conditions

Earn Rates

RateCard TypeEarnsCondition
0.5 points for $1 spentVisaUp to $500 monthlyeligible purchases
0.25 points for $1 spentVisauncappedeligible purchases

Perks

  • Partner Discounts

Features

The ANZ Frequent Flyer credit card has a moderate annual fee, moderate interest-free days and moderately high interest rates. This card offers a Qantas Points rewards scheme with the potential to earn 0.5 Qantas Points per $1 spent on eligible purchases, up to $500 per statement period. Eligible purchases above the $500 mark in a single statement period will earn 0.25 Qantas Points per $1 spent.

Customers also have the opportunity to earn one bonus Qantas Point per $1 spent on selected Qantas products and services, with no limit on bonus points within a statement period.

The ANZ Frequent Flyer credit card provides 24-hour transaction monitoring by ANZ Falcon. The card employs a money-back guarantee policy, meaning customers are not liable for fraudulent spending. If you lose your card, ANZ offers worldwide emergency credit card replacement.

Pros
  • Qantas Frequent Flyer membership
  • Earn Qantas Points
  • Refunds for fraudulent spending
Cons
  • Annual fee charged
  • Moderately high interest rates
  • Overseas spending fee charged

 

Who is it good for?

The ANZ Frequent Flyer credit card is well suited to spenders who prefer to be rewarded with travel benefits. Frequent travellers and those who prioritise having high frequent flyer status may benefit the most from this card.

The ANZ Frequent Flyer credit card gives customers the opportunity to earn a high amount of Qantas Points and move up in Qantas Frequent Flyer status, along with a complimentary Qantas Frequent Flyer membership and 25,000 bonus points when you spend $2,500 on eligible purchases in your first three months.

This card may not be beneficial for customers who travel infrequently, or for those looking for a low- or no-annual-fee credit card option. Though the annual fee is waived in the first year, customers will begin paying the $95 annual fee in their second year and onwards.

What RateCity says

The ANZ Frequent Flyer credit card delivers plenty of benefits for frequent flyers, including a sign-up bonus and a high earning rate on Qantas products and services, but the card offers little to customers looking for low fees or cash rewards.

At $95, the card’s annual fee is moderate, but customers looking for low- or no-fee cards might benefit from looking elsewhere. Those searching for low-interest fees may also shy away from the moderately high interest rate on this card.

Those looking to boost their Qantas status and earn points for their travels have good reason to apply for the ANZ Frequent Flyer credit card, but others can find cards with lower fees and a rewards program better suited to their needs.

Applying/eligibility

To apply for the ANZ Frequent Flyer credit card, you must be at least 18 years of age and have a good credit rating. If you are not an Australian permanent resident, you must have at least nine months left on your visa. All applicants must be able to prove an annual income of $15,000 or more, as well as provide two recent payslips for income verification. Customers can apply online, over the phone or in an ANZ branch. 

About ANZ

ANZ is one of Australia’s big four banks, offering personal and business banking solutions, including credit cards, home loans and superannuation. ANZ’s history spans almost 200 years, being established in 1835. With their world headquarters located in Melbourne, ANZ is ranked in the top 100 banks in the world. Customers can contact ANZ online or over the phone, as well as use ANZ’s mobile apps to manage their accounts, use their funds and grow their money.

Compare your product with the big 4 banks, or add more products to compare
As seen on