ANZ Frequent Flyer Black Credit Card
The ANZ Frequent Flyer Black is a top-tier Qantas card pairing a high earn rate with two complimentary Qantas Club lounge passes a year and comprehensive travel insurance.
Why it ranks
- Strong Qantas Points earn rate
- Lounge passes and travel insurance included
- Generous welcome bonus
What holds it back
- High annual fee
- 3% foreign transaction fee
- Requires strong income and credit
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The ANZ Frequent Flyer Black is a top-tier Qantas card pairing a high earn rate with two complimentary Qantas Club lounge passes a year and comprehensive travel insurance.
ANZ Frequent Flyer Black Credit Card at a glance
| Issuer | Australia and New Zealand Banking Group (ANZ) |
| Card network | Visa |
| Annual fee | A$425 |
| Welcome bonus | Large Qantas Points bonus after qualifying spend |
| Rewards rate | Earn Qantas Points per AUD1 on eligible spend |
| Intro APR | Not applicable |
| Regular APR | Approx. 20.24% p.a. on purchases |
| Foreign transaction fee | 3% on foreign currency purchases |
| Credit needed | Good to excellent credit history |
| Best for | High-spending Qantas flyers wanting premium perks |
| Airport lounge access | Yes |
Rewards & benefits
- High Qantas Points earn rate on eligible spending
- Two complimentary Qantas Club lounge passes each year
- Complimentary overseas travel insurance
- Additional cardholder option to boost earning
Eligibility & who it suits
- Australian resident or eligible visa holder
- Aged 18 or over
- Minimum income requirement applies for Black tier
- Good to excellent credit history
How to apply
Check current rates on Australia and New Zealand Banking Group (ANZ)’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Australia cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | AAAustralia and New Zealand Banking Group (ANZ)ANZ Frequent Flyer BlackA$425/yr · AU ANZ Frequent Flyer Black Credit CardHigh-spending Qantas flyers wanting premium perks |
A$425/yr | Earn Qantas Points per AUD1 on eligible spend | Large Qantas Points bonus after qualifying spend | 3% on foreign currency pur… | Good to excellent credit history | |
| 2 | AEAmerican Express AustraliaQantas UltimateA$450/yr · AU American Express Qantas Ultimate CardFrequent Qantas flyers maximising points and perks |
A$450/yr | Up to 1.25 Qantas Points per AUD1 on eligible spend | Large Qantas Points bonus after qualifying spend | 3% on foreign currency pur… | Good to excellent credit history | |
| 3 | NANational Australia Bank (NAB)NAB Qantas Rewards SignatureA$295/yr · AU NAB Qantas Rewards Signature CardQantas frequent flyers wanting premium perks |
A$295/yr | Earn Qantas Points per AUD1 on eligible spend | Large Qantas Points bonus after qualifying spend | 3% on foreign currency pur… | Good to excellent credit history |
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