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ANZ FF Black Credit Card 75,000 Qantas Points ($2,500 Spend 3mths) + No Annual Fee First Year

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ANZ FF Black Credit Card 75,000 Qantas Points ($2,500 Spend 3mths) + No Annual Fee First Year
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LHaGGlerr on 13/01/2016 - 11:30 anz.com.au (11860 clicks)
Last edited 01/02/2016 - 14:11 by 1 other user

ANZ Black Credit Card is back with a minmum spend of $2,500.

Apply for a ANZ Frequent Flyer Black credit card and receive 75,000 bonus Qantas Points and no annual fee for first year. New cards only after a spend of $2,500 on eligible purchases within the first three months of card approval

Eligibility: To apply for an ANZ Frequent Flyer Black credit card, you need to be 18 years of age or over, have a good credit rating, be a permanent Australian resident, earning a minimum annual income of $75,000 or be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $75,000 or have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts

ANZ Frequent Flyer Platinum

Apply for a ANZ Frequent Flyer Black credit card and receive 50,000 bonus Qantas Points and no annual fee for first year. New cards only after a spend of $2,500 on eligible purchases within the first three months of card approval

Eligibility : Earning a minimum annual income of $35,000

ANZ Frequent Flyer

Apply for a ANZ Frequent Flyer Black credit card and receive 25,000 bonus Qantas Points and no annual fee for first year. New cards only after a spend of $2,500 on eligible purchases within the first three months of card approval

Eligibility : Earning a minimum annual income of $15,000

Financial Credit Card

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closed Comments

    • HaGGlerr on 13/01/2016 - 12:01
      +2

      After after the eligible spend. No Annual fee for first year, might as well use it for 11 months and close if after?

      • coxymla on 13/01/2016 - 12:29
        +5

        I would cancel as soon as you get the bonus points so that the 12 month timer between bonus offer eligibility starts ticking again.

        • Inflow on 18/01/2016 - 11:44

          Yes very good.

    • sween64 on 13/01/2016 - 13:07

      After the three month spend period. That's what happened for me.

    • newxr on 13/01/2016 - 13:47
      +1

      As expected it's in the fine print. Bonus points may take up to 3 months or more to be credited after eligible purchases. Cancellation of the card prior to the points being awarded may result in the points not being awarded.

    • ninetyNineCents on 13/01/2016 - 16:54
      +1

      I applied for this in early September 2015, bought $7500 worth of stuff within the 3 month period. I rang them the other day and they said they would be crediting my points after the end of the 4th month. Im guessing this should be any day now for me.

      hth

  • nightfever on 13/01/2016 - 12:02
    +1

    Argh don't have income of $75k. would they find out if I lie? If I lied and get busted… would they give me bad credit rating?

    • Gavman on 13/01/2016 - 12:13

      no. ull just go to jail for fraud hahha

      • nightfever on 13/01/2016 - 12:19

        lol yeh right, there would be heaps people going to jail then :P

        • Gavman on 13/01/2016 - 12:23

          Um yea, I was joking.. pfftt man read a book!

        • nightfever on 13/01/2016 - 12:23

          @Gavman: I hate books! lol. hahahahaha.

    • Mechanist on 13/01/2016 - 12:28

      They check your income

    • lolcoaster on 13/01/2016 - 13:13

      Are you close? If you're like $72000, then maybe give it a go. If you're $30000, then no chance.

      • nightfever on 13/01/2016 - 14:03

        yeh pretty close to it! lol. I gave it a shot.. waiting for a response now. they say it will take 5 days… bs to that 60secs response!

        • brongz on 13/01/2016 - 16:51

          usually 10% deviation.

        • nightfever on 13/01/2016 - 18:19
          +2

          @brongz: Woot - got approved. maybe i have enough assets. Who knows. :D YAY

        • Homr on 13/01/2016 - 19:15

          @nightfever:

          what?? how? Thought your income is less than $75k

        • nightfever on 13/01/2016 - 19:26

          @Padzyk: Not sure, but my income was not a lot less thank 75k. I do have a lot of assets and 2 credit cards with $0 outstanding balance. Maybe good credit history? Who knows, I have bank accounts with them as well.

        • Homr on 13/01/2016 - 19:35
          -1

          @nightfever: Would be great if you can pm me your income details so I can get an idea if mine application will go through if i apply. I'm just below 75k

        • nightfever on 13/01/2016 - 19:40
          +1

          @Padzyk: Soz mate, can't share exact info. :\ It's private.

          Why don't you just apply and see if you do get through, worse comes to worst you get denied with 5 mins of life wasted.

          I did that exactly that.

        • Homr on 13/01/2016 - 19:45
          -5

          @nightfever: yeh thats what PM is for bro.

          If it gets denied it might put a dent in my credit record which I'm pretty cautious of cos I'm planning to take out a loan to buy a property soon.

        • nightfever on 13/01/2016 - 19:51

          @Padzyk: Can't help you there bruh. If you are going to take out a loan to buy a property. The less cards you have the better chance of a good loan amount you will get.

        • Homr on 13/01/2016 - 19:52

          @nightfever: yeh but free 75,000 Qantas points man

        • nightfever on 13/01/2016 - 19:54

          @Padzyk: Hmmm, still though. If I tell you my income and you are on similar income, then you applied… you get knocked back. Don't want to see a fallen bruh tho.

        • Homr on 13/01/2016 - 20:01

          @nightfever: but if I get accepted you can sleep well knowing that you helped a bruh out

        • nightfever on 13/01/2016 - 20:03

          @Padzyk: lol PM me your income details then, I can tell you I have higher or lower. :)

        • Homr on 13/01/2016 - 20:03

          @nightfever: I would if i could, you need to turn your PM on bruh

        • nightfever on 13/01/2016 - 20:05

          @Padzyk: lol - done. Enabled.

        • CrocDundee on 13/01/2016 - 23:23
          +13

          @nightfever:

          Bruhs… get a room!! lol

        • nightfever on 14/01/2016 - 08:08

          @Tuhan: lol did and done!

        • Kothos on 15/01/2016 - 06:12

          @nightfever: Did they call you to ask for evidence or what? How did they get more info about you between the application and the approval? Mine is saying 5 days as well.

        • Homr on 15/01/2016 - 07:24
          -1

          @Kothos: What's your salary?

        • fomal on 15/01/2016 - 20:00

          good luck with that!

          My bro took the offer last month spent 7.5k get 75k for black.

          Approval in 1 min, spent 10k next 2 weeks and then they call him asked for payslip

          My bro has income >75k here and international.

          Aussie income is less than 75k, they decided to void the card and all the bonus points lol

        • fomal on 15/01/2016 - 20:01

          @Kothos:

          They will ask for evidence after you use the card for few days/weeks

        • JohnHowardsEyebrows on 15/01/2016 - 20:03
          +1

          @fomal: Crikey….that is bizarre.

        • nightfever on 16/01/2016 - 23:28

          @Kothos: nah, no call nothing. I just got email said its approved. My work salary is paid to my ANZ accounts.

          I assume by now you would have got an approval email?

        • Kothos on 18/01/2016 - 14:02

          @nightfever: They actually called me to check some things today. One of the investments I cited on my income is half in wife's name and the paperwork I supplied said that, so they wanted me to revise my mortgage repayments share etc. Also they said when putting down your monthly expenses, you only have to put down shopping, bills, mobile and travel commute expenses. Nothing else. After those two revisions I got approved over the phone.

        • Homr on 18/01/2016 - 14:27

          @fomal:
          lol wtf? what did your bro say? Maybe they think your bro wasn't able to pay off that 10k?

        • fomal on 18/01/2016 - 15:04

          @Padzyk:
          he was upset, he paid the 10k straight away and said it was anz loss not to have him using their cc as he has crazy international income

        • Homr on 18/01/2016 - 15:07

          @fomal: Yeh it's defintely ANZ loss considering how much your brother was spending on the CC. Why didn't he complain?? bit low how ANZ decided to backflip after approving him. Let me guess, his AU income is much lower than 75K?

        • fomal on 19/01/2016 - 09:46

          @HarveySpecter:
          He made a complaint through phone, staff said decision is final.

        • Utopian on 08/02/2016 - 13:21

          @fomal: Many posts around this site suggest most providers don't check. Didn't rrealllly believe it.

          I was thinking of accidentally entering a $75000+ income. I satisfy the $50k savings option, though. So will just go that angle.

        • fomal on 08/02/2016 - 14:21

          @Utopian:
          yea unlucky him.

          Does that 50k deposit needs to be a term deposit?

        • Utopian on 08/02/2016 - 14:52

          @fomal: I don't believe so. Simply states: "have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts"

  • wildstone on 13/01/2016 - 12:02

    So is this better than this https://www.ozbargain.com.au/node/228327, considering this is free and that one needs $295?

    • Homr on 13/01/2016 - 12:04

      If you have an income of >$75K then this is better

      • Utopian on 08/02/2016 - 14:52

        Or
        "have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts"

        • Homr on 08/02/2016 - 21:00

          That only applies for non-Australian residents

        • Utopian on 08/02/2016 - 21:02

          @HarveySpecter: BALLS!
          How do you know this?
          I'm gonna call them. I'd like/expect the same right. Money in the bank should speak volumes. I've got a lot more than required.

        • Homr on 08/02/2016 - 21:05

          @Utopian: Cos it says on their requirements

          *Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $75,000 or have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts

        • Utopian on 08/02/2016 - 21:08

          @HarveySpecter: Damn. Even the $50k part is mentioned on some pages, but not others. Thanks for letting me know. Still gonna call. Want those points!! :D

  • Kapinny on 13/01/2016 - 12:04
    +3

    just cancelled my platinum at ANZ after they said they wont waiver the fee for this coming year.

    • gaurangmp on 13/01/2016 - 12:13
      +2

      They wouldn't waive my fees either so did the same :(

    • LittleDon on 13/01/2016 - 17:25

      With some credit card providers, best option is to pay the fee, then ring up and request payout figure to close account stating fees are too expensive and they should refund the fees, did this twice on separate cards and got both fees refunded, one was HSBC and the other Woolworths Money. A risk but worked for me

  • mecalo on 13/01/2016 - 12:09
    -1

    If i have a platinum edge issued by Amex can i also get this deal?

    • gaurangmp on 13/01/2016 - 12:12
      +1

      yes, as long as it is not issued by ANZ

  • Gavman on 13/01/2016 - 12:09
    -1

    Can you convert Qantas points for Velocity? if so whats the rate?

  • GaelicAU on 13/01/2016 - 12:10

    What can you get for 75,000 QFF points?

    • JohnHowardsEyebrows on 13/01/2016 - 12:13
      +1

      Return business class flights Sydney-Perth. One way to London (plus enough to go Brisbane-Melbourne). Premium economy to LA or Santiago. Plenty of options in Asia.

    • hunter_syd on 13/01/2016 - 12:15
      +2

      Qantas recently (marginally) reduced the cost of redeeming flights, but also end of last year had a 50% off sale on points needed to redeem international flights. At that time, I got return to the USA for 50,000 points.

      • Gavman on 13/01/2016 - 12:25

        I heard they can jack up fees and taxes on point redemption. So 50,000 return could be + $788 taxes.

        • uder on 13/01/2016 - 13:07

          True, but in the latest change (last week) they also reduced these. I think it may have been by up to 40%.

        • Gavman on 13/01/2016 - 13:25

          point is they tend to jack it up on their discression based on supply and demand instead of adjusting the points to catch people out which sucks balls

      • Dacs on 13/01/2016 - 14:50
        +2

        I got return to the USA for 50,000 points

        and how much in taxes?

        • hunter_syd on 18/01/2016 - 12:07

          charges and taxes amounted to about $600… so yes its not a totally free ride. but still relatively cheap if you wanted to use your points. Otherwise you'd have to wait for a sale and pay $1,100 for a return trip. So saving about $500 by using the points.

        • Dacs on 18/01/2016 - 15:20

          @hunter_syd:
          From Melbourne/Sydney/Brisbane you can get to Los Angeles for about $920 - $980 (not necessarily with Qantas) depending on the day. So if your 50,000 points was for that route on one of the cheaper days then it saved you about $350, or 0.7c per point. That's similar to using the points on a gift card.

        • hunter_syd on 19/01/2016 - 11:59

          @Dacs: Mine was to New York. But fair point if you didn't want to travel Qantas and went with Air NZ or something

        • Dacs on 19/01/2016 - 15:16

          @hunter_syd:
          Ah, if for New York then that's pretty good value from the points. I would have done the same :-)

    • GaelicAU on 13/01/2016 - 12:17

      Excellent. Seems like worth going through the application then.

  • jabroni on 13/01/2016 - 12:10

    so 1 point is about 0.7-0.8 real cents from googling, can FF members confirm?

    • Mechanist on 13/01/2016 - 12:30

      It all depends on what you are spending the points on. Gift cards seem to have a lower return on invest than buying a flight. I have heard upgrading your seat has the best return on investment.

      • Kothos on 15/01/2016 - 06:16

        A friend of mine who flies a lot, and another travelling colleague, both say they only uses points for upgrades. They buy economy then use points to get business class. It might be the most efficient use of points but if you don't travel much then business class is a bit of a luxury you could probably do without.

    • krimovtartar on 13/01/2016 - 12:35

      If you are redeeming Points for gift cards it works out close to that
      i.e 3500 points for $25 David Jones Gift card ~0.7c
      or 3000 points for $20 Wish Gift Card ~0.6c

  • haru on 13/01/2016 - 12:11
    +1

    Does anyone know when this offer ends?

  • Nightshade on 13/01/2016 - 12:16

    Seems like there's a similar offer on the Platinum card and basic card, just with fewer points. Maybe include that in the deal as well :).

  • C0123 on 13/01/2016 - 12:45

    Does anyone have any advice on which is better out of the ANZ rewards black and the Frequent Flyers black? Platinum is 3 points per dollar, where as black is 1.5 points (amx). Frequent Flyers comes with Qantas lounge access.
    A good spot to compare, https://www.anz.com.au/personal/credit-cards/compare-cards/ there is also a deal on the Platinum black card which is 75k points.

    • JohnHowardsEyebrows on 13/01/2016 - 12:54
      +1

      ANZ FF bonus points worth far more (up to double, depending on how you use them) than the ANZ rewards. FF far better promo.

      • C0123 on 13/01/2016 - 12:55

        Explains why you get double the points per spend with the ANZ rewards. Thanks for your help!

  • Rocket on 13/01/2016 - 12:45

    Thanks!!! Finally bit the bullet.

  • timetoquit on 13/01/2016 - 12:47
    +1

    For those who are asking about existing card holders, the offer worked for me. I still have an existing and active ANZ low rate card (which hasn't been used for a couple years) applied for the Black in December, and got credited the 75k points on my first statement.

    • odysseus on 13/01/2016 - 14:34

      The main concerns (and where people are asking likely from) are "ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months." As yours was a different card, it wasn't where they are most concerned.

      • timetoquit on 13/01/2016 - 15:28
        +1

        Yes I noticed that, however there is another user who asked a general question about having "an existing credit card" and was not specific- I should have replied to his comment but figured not everyone reads every single comment/response which is why I thought it would be better to post a comment. Anyways was only trying to be helpful to others.

  • ozstig on 13/01/2016 - 13:06

    What is the easiest way to cancel cards to avoid the annual fee for next year?

    • uder on 13/01/2016 - 13:08

      Go to a branch.

    • sween64 on 13/01/2016 - 13:08
      +1

      Cancel before your anniversary date.

    • JohnHowardsEyebrows on 13/01/2016 - 13:17
      +2

      With ANZ , very easy to cancel over the phone.

    • J5 on 13/01/2016 - 15:41

      ring them and say you want to cancel due to fees

      if you are lucky and have spent plenty they will wipe the fees for another year

    • brongz on 13/01/2016 - 16:52

      call them to cancel the card. easy peasy

    • LittleDon on 13/01/2016 - 17:39

      Recently, best method that worked for me - pay the fee then ring up requesting payout figure to close account stating fees being too high, and they should refund the fee. Did this twice on separate cards and no problems in getting a refund…worth a try

    • wjb on 14/01/2016 - 11:10

      If you're last minute like me. Log in online banking and send them an email so that it's in writing. Most likely they charge you for an annual fee but no worries they will give you a full refund.

  • powerhammer on 13/01/2016 - 13:09
    +1

    This card is also eligible for 2 free entries per calendar year into the American Express Lounge at Sydney International Airport.

    https://amexnetwork.com.au/goodgoing

    • incarnate on 13/01/2016 - 19:39

      Plus "Two Qantas Club lounge access passes per year"

  • frewer on 13/01/2016 - 13:21

    If I use this card ( online facility ) to paid my rent ( online ), would that count as "spending" ?

    • sk0tty on 13/01/2016 - 14:11

      Unlikely. I'm assuming you don't pay rent via BPay, hence you would be treating it like an EFT transfer which is deemed a cash advance. Not only will you get charged high interest on a cash advance but the "purchase" is not deemed eligible towards your $2500 min spend.

      • frewer on 13/01/2016 - 17:01

        You're correct this R.A doesn't has BPAY. So if I paid for thing through BPAY it counts toward the "spending". Thank you for the info. How about paypal transaction that link to this card ?

        • uder on 13/01/2016 - 18:03
          +2

          In my experience BPAY does not always count in terms of earning points, but it may count as a purchase (this was with Westpac). PayPal transactions are purchases yes.

        • sk0tty on 14/01/2016 - 10:44
          +1

          Yeah, what @uder said. Paypal transactions are just like paying for something with your credit card, so qualifies.

          Some cards have been switching to exclude earning points on BPay (although I'm not sure how this impacts minimum spend criterion), but all of the T&C's for this particular card suggest that you will get points for a merchant that accepts BPay via credit card.

  • flyingdoormat on 13/01/2016 - 13:34

    Great deal. I just got my points from the previous deal which required a $7500 spend. Now looking for the next deal given I've done ANZ, Westpac and Commonwealth in the past 12 months. NAB?

  • mmcs on 13/01/2016 - 13:42

    It sure is :)

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