- Earn uncapped Qantas Points on your everyday purchases
- Complimentary Qantas Frequent Flyer Membership (save $99.50)
- Low rewards annual fee of $95
- Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period
- Minimum credit limit of $1,000
- ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
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ANZ Credit Cards
Discontinued: ANZ Frequent Flyer Credit Card
Updated 15 November 2022
This card is no longer available for application. This information has been left for those who still have the card or were previously interested
Collect uncapped Qantas Points on your everyday purchases with an ANZ Frequent Flyer card. Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases. Receive up to 55 days interest-free on purchases when you pay your account in full each statement period.
T&Cs, fees and charges apply (including an annual fee of $95).
Points Earn Rate (per $1 spent)
0.5 points
per $1 up to $500, then 0.25 pts per $1 over $500
Rewards Program
Qantas Frequent Flyer
Bonus Points
N/A
Pros and cons
- 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period.
- Additional card holder $10 + Rewards membership $55
Creditcard.com.au review
Editor Review
Discontinued: ANZ Frequent Flyer Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The ANZ Frequent Flyer Credit Card
As a basic rewards credit card, the ANZ Frequent Flyer Credit Card offers an easy way to earn Qantas Points on everyday purchases, while keeping it simple elsewhere. As a cardholder, you can benefit from all the essential features you would expect from a credit card, with a very appealing introductory offer thrown in as well.
What we love...
Enjoy collecting Qantas points when you use the ANZ Frequent Flyer Credit Card on your everyday purchases. What’s great about this card is that it’ll let you earn frequent flyer points with no capping. Eligible purchases include groceries, dining, travel, petrol and retail shopping and exclude cash advances, balance transfers, fees and transactions for gambling or gaming purposes.
Boost your points earned when you add up to three additional cardholders to your account as purchases by additional cardholders also earn Qantas Frequent Flyer points that are credited to the account holder’s points record.
What’s not so great...
For the most part, rewards cards are not ‘low rate’ credit cards. Unfortunately, the ANZ Frequent Flyer Credit Card joins its rewards cards brothers in having a relatively high rate of interest on both purchases and cash advances. Of course, this may not matter to you if you always pay your balance in full each month, but it’s worth bearing in mind.
As for the card’s annual fee, this is neither high nor low. What you need to think about as a cardholder is whether the annual fee you pay is less than the value of rewards you get in return. That means looking at the card’s earn rate, and how much it will allow you to earn with the type of spending you do most.
Why should you choose this card?
If you want a simple credit card that allows you to earn points on the Qantas Frequent Flyer program, the ANZ Frequent Flyer Credit Card may just give you what you need. You can benefit from complimentary Qantas Frequent Flyer membership, giving you a saving of $99.50, and the following earn rate:
- 0.5 Qantas Points per $1 spent up to $500 per statement period,
- 0.25 Qantas Points per $1 thereafter,
- 1 bonus Qantas Point per $1 spent on selected Qantas products and services,
- Plus bonus points with ANZ’s Bonus Partners.
There is no limit on the number of bonus points you can earn in a statement period. Other features on offer include access to special offers through Visa Offers + Perks, up to 55 days interest free on purchases, and all the basics you generally find on credit cards.
Overall Rating
ANZ Frequent Flyer Credit Card lets you earn uncapped Qantas Points on your everyday purchases while enjoying other essential benefits with a lower annual fee.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 21.24% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $95 p.a.
Additional cardholder fee Up to 3 - $65 p.a. each
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater
Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Qantas Rewards points 0.5 points per $1 spent
Points cap per month per $1 up to $500, then 0.25 pts per $1 over $500
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Complimentary Qantas Frequent Flyer membership saving you $99.50 if you are not a member yet
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Overview
Discontinued: ANZ Frequent Flyer Credit Card
If you spend more you should look at the ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black.
It’s easy to earn and redeem points. Points earned each month are automatically credited to your Qantas Frequent Flyer account, allowing you to check how many points you have and what can be redeemed. Cardholders can also enjoy complimentary Qantas Frequent Flyer membership (a saving of $99.50), a competitive annual fee, and up to 55 days interest free on purchases.
Key features
- Earn uncapped Qantas Points on your everyday purchases
- Earn 0.5 Qantas Points per $1 spent on eligible purchases up to $500 per statement period, then 0.25 Qantas Points per $1 spent on eligible purchases above $500 per statement period
- Complimentary Qantas Frequent Flyer Membership
- Minimum credit limit of $1,000
- ANZ Falcon fraud monitoring + ANZ Fraud Money Back Guarantee
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question22 questions (showing the latest 10 Q&As)
Something wrong with the card I have. What happened?
Hi John, you’ve reached Creditcard.com.au. Please reach out to ANZ directly at 13 13 14 to check your account.
Roland I am an aged pensioner, married and own own residence. 18 mths ago a goose at ANZ dropped my credit limit from 18,000 to 6,000 when I was told I could get a qantas card and 50,000 points, he stuffed me up. OK I can manage with $6000 as the bank pays my card on the due date from my savings so no probs, but I really want a frequent flyer card as we like to travel and we purchase everything on credit. What can I do. Thx
Hi Jeff, thanks for writing in. There are a wide range of top frequent flyer credit cards available in Australia. Generally speaking the minimum income for cards is around $35,000p.a. so when you’ve found a card you’re interested in, read our review and dig deeper into the details. You can use our handy comparison tool to view and compare frequent flyer cards. It will tell you information about earn rates, bonus points and perks. Best of luck!
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Karly
2 March 2016Good card for an entry level card combo - shame that they advertise bonus points on Qantas Products, but then exclude Qantas Hotels.
Recommends this cardAndrew Todds
8 November 2014Capping of QANTAS is a major disincentive. Very disappointed.
Does not recommend this cardJarrod Davis
28 January 2013This was my first delve into the world of rewards cards. I had a standard card before and was always happy, but then I started travelling more and wanted to get something back. This card has been easy to build up my points. Annual fee is not bad compared to other similar cards
Recommends this card