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ANZ Frequent Flyer Black Credit Card: 130,000 Bonus Qantas Points & $255 Back When Spend $3,000 in The First 3 Months ($425 Fee)

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ANZ Frequent Flyer Black Credit Card: 130,000 Bonus Qantas Points & $255 Back When Spend $3,000 in The First 3 Months ($425 Fee)
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me1stt on 24/06/2022 - 14:06 anz.com.au (3814 clicks)
Last edited 24/06/2022 - 19:43

The offer for existing customers with extra 30k points & $30 fee seems expired as it's no longer showing in internet banking.

Earn 130,000 bonus Qantas Points and $255 back to your new ANZ Frequent Flyer Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval.

New card. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $425).

Eligibility

To apply for an ANZ Frequent Flyer Black credit card, you’ll need to:

  • be 18 years of age or over
  • be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa
  • have a good credit rating
  • ensure if applying for an offer, you don’t currently hold and haven’t opened or closed an ANZ Frequent Flyer Black, ANZ Frequent Flyer Platinum or an ANZ Frequent Flyer credit card in the last 12 months.
Financial Cashback Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points VISA

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closed Comments

  • CodeXD on 24/06/2022 - 14:09
    +17

    I can still see the 160k points in my anz app

    At the bottom click For You -> Personal accounts -> Credit cards -> ANZ FF Cards

    • me1stt on 24/06/2022 - 14:10

      I only checked the internet bank. All the frequent flyer card offers are gone.

      • CodeXD on 24/06/2022 - 14:11
        +2

        30k points is worth it to install the ANZ app lol

        • bohn on 24/06/2022 - 14:32

          what does it offer for the non FF rewards cards? I can't get FF for awhile but am able to get regular Rewards

          edit: I managed to find out, 80k. kind of crappy

          • thomalfa on 24/06/2022 - 14:56

            @bohn: you should have seen what CBA cards are offering… even worse

            • cook99 on 24/06/2022 - 15:27

              @thomalfa: CBA offer is 100,000 worth $500.
              ANZ is 80,000 worth $370

              Not sure it's worse?

              • thomalfa on 28/06/2022 - 08:28

                @cook99: spending 2k vs 5k in 90 days???
                ANZ'll comeback to 130k pts bonus offer… just wait patiently…

                • cook99 on 28/06/2022 - 10:20

                  @thomalfa: Spending $2.5k is very easy in my household so it's all about the bigger points.

                  Agree though, I'm waiting for 130k+ rewards offer from ANZ too, I plan on doing both cards.

    • cook99 on 24/06/2022 - 14:42

      Ditto for me 160,000 available through app.

    • Slo20 on 24/06/2022 - 15:24
      +1

      One thing to note is through app you only get $225 back, but still worth the $30 extra for 30000 points more.

      • [Deactivated] on 24/06/2022 - 15:33

        You have to have an ANZ bank account, to use the ANZ app to apply?

        • fadeinthemix on 24/06/2022 - 15:41

          or a different ANZ Family such as ANZ Black (Non FF)

        • ChaseTheSun on 24/06/2022 - 15:50
          +1

          Yes, u can apply for a free Progress Saver account and that will make u anz customer.

      • gadgetguy on 24/06/2022 - 16:12

        It says $255 in my app when I click on "Find out more".

        Hmm but the T&C states $225. Jeez, who puts these things together.

        Check it:

        https://imgur.com/a/OwqkvXf

        • me1stt on 24/06/2022 - 16:25
          +1

          And if you scroll down on the credit card page after tapping apply now, you'll see the bonus points are still 130k.

          • gadgetguy on 24/06/2022 - 16:29
            +3

            @me1stt: The T&C on the first page quote 160K. I'd be keeping a screenshot.

            Also spotted a typo with "Pints" instead of "Points" in point 2 of T&C.

            What a fustercluck.

            • Slo20 on 24/06/2022 - 17:07
              +1

              @gadgetguy: Sign up for a anz credit card and go in the draw to be the new marketing manager.

      • 89tnp on 25/06/2022 - 08:58

        Didn't even notice the 225 vs the 255 but agree worth it

    • cykezero on 25/06/2022 - 12:24

      Thanks for that. The last time I cancelled my CC, ANZ sent me a debit card unsolicited. I did not use it but have just activated the account to get the 160k points deal

  • yht on 24/06/2022 - 14:09

    Does Anz give prorata annual fees when we close the account ?

    • Shadowsfury on 24/06/2022 - 14:19
      +2

      Nope - only one I know doing that is NAB

      • eddie eagle on 25/06/2022 - 02:10

        Citibank offered me full $175 annual fee refund when I closed my qantas credit card today after 100,000 qantas points transferred. One month after joining.

    • teckgeek on 24/06/2022 - 14:25

      Dont ask, dont get. Always worth asking for a prorata refund! The worst they can say is no!

    • DewinDell on 24/06/2022 - 17:46

      when closing my card, they actually said they will refund the whole fee. Hoping they follow through with it.

      • beesider on 24/06/2022 - 18:17

        How long have you had it for?

      • 89tnp on 25/06/2022 - 09:00

        In this case I'm guessing that would mean they would only refund the difference (less the cashback)

  • Coops1 on 24/06/2022 - 14:11

    Yep your right, no qantas card offers in my website internet banking anymore…..but it is in the app. Who would have thought to scroll across the page to see new things! Thanks @CodeXD

  • carpecrash on 24/06/2022 - 14:24

    I have this card and I have spent $3000 in 3 months. Does anyone know how to get your bonus points added to your qantas account?

    • immrnonamehello on 24/06/2022 - 14:29

      It's automatic if you included it with your card application. Otherwise call them

    • teckgeek on 24/06/2022 - 14:29

      IF you applied for the card via the offer link & IF you have fulfilled all of the qualifying requirements, its usually automatically transferred after the 1st statement preceding the required spend. Be aware though that the Ts&Cs usually state 'within 90 days' ect ect.

    • Excelsior on 24/06/2022 - 16:32
      +1

      It is automatic. Once you hit the min spend you will be credited the points in the same period.

      • nightelves on 25/06/2022 - 00:49

        Hit my spend but still have not received anything after the first statement.

      • eddie eagle on 25/06/2022 - 02:11

        Not the case for cba, but my experience for all other cards

    • rwt on 24/06/2022 - 17:01

      Same here. 2,5months left and still nothing.
      I tried to call them to check but the rewards program line seems doesn't work - leave a message only and noone called me back

      • huertano on 24/06/2022 - 17:14

        The Qantas rewards cards have nothing to do with their rewards program. You need to call their normal line

    • LittleDon on 24/06/2022 - 17:24
      +1

      Mine was automatic, it took 3 statements before it appeared.

    • boonhowe on 24/06/2022 - 21:28

      I got the points automatically after 2 months. Just in time too, as qantas FF rewards redemptions having lots of EOFY discounts now

  • ToboTheHobo on 24/06/2022 - 14:53
    +2

    Tried to find eligible purchases, saw gambling/gaming and tax related transactions. So if I book my holiday using this it will be good?

    • NoHomersClub on 24/06/2022 - 17:04
      +1

      Yes, unless your holiday is at the pokies.

    • siberry on 24/06/2022 - 19:57
      +2

      I actually spoke to an ANZ agent about ATO transactions. She said that the ATO biller code is classified as “ok” but you won’t get the 1 pt per dollar. It’ll count towards your 3k spend though.

      Any BPAY biller codes that accept Visa Credit as a card type are eligible transactions and receive points, except government transactions which don’t earn points.

      Luckily for me, my rent is through DEFT which is allowed, so I get points every month, and it counted towards my 3k spend.

      • 89tnp on 25/06/2022 - 09:01

        Isn't there a cc surcharge though? It's still worth it?

  • BatmanAU on 24/06/2022 - 15:01

    Is it that much of a great deal when the yearly fee is so high, compared to the points to use in the Qantas shop?

    • mlburnian on 24/06/2022 - 15:12
      +1

      Ppl get it to redeem on flights

  • cptnawesome on 24/06/2022 - 15:06

    Is it every 18 months or 12 months that you're eligible for this card? I closed this card in early March.

    • Slo20 on 24/06/2022 - 15:21
      +2

      12 months. Amex is 18 months.

      • cptnawesome on 24/06/2022 - 15:36
        -3

        Thanks!

      • 89tnp on 25/06/2022 - 09:02

        So generally people alternate between anz and nab CCS to haul qff Points?

        • timhn on 25/06/2022 - 09:35

          St George, Westpac and Citibank

          • 89tnp on 25/06/2022 - 10:17

            @timhn: Generally don't have as good as offers as ANZ and NAB though

  • [Deactivated] on 24/06/2022 - 15:34

    What's the minimum income to get this card?

    • me1stt on 24/06/2022 - 15:42
      +1

      ANZ no longer sets the requirement. But usually, black tier card would require around 75k.

      • whoistheg on 24/06/2022 - 15:45
        +1

        looks like minimum credit limit is $15,000 - $75,000

      • sh4hp on 24/06/2022 - 16:32

        I earn more than that. They still offered me platinum instead.

        • cheekymonkey97 on 24/06/2022 - 16:37

          Same here, asked them if the system would offer Black if I close one of my other cards and they said yes.

          • sh4hp on 24/06/2022 - 16:47

            @cheekymonkey97: Funny. I literally have no other cards (had to close everything for refinancing), so that didn't apply to me. They did mention $700 for latitudepay, which I think is the culprit.

            • serpserpserp on 24/06/2022 - 19:36
              -2

              @sh4hp: BNPL schemes drastically affect your credit scores. I think afterpay has a ten fold effect on your borrowing capacity with the major banks for instance.

              • dmbminaret on 25/06/2022 - 13:18
                +1

                @serpserpserp: Source?

                I don't think they like them, but at the end of the day it's looked on as a line of credit. When we got our home loan it was a non issue as they can also see balances of purchases are paid off in 8 weeks.

                They would rather you didn't pay valence so they get interest, so from a credit card approval point of view, you may be right but not regarding affecting your credit score particularly when no credit check is done.

                • serpserpserp on 25/06/2022 - 15:02
                  -3

                  @dmbminaret: For home loans it counts pretty substantially against your borrowing power.

                  • dmbminaret on 25/06/2022 - 15:25

                    @serpserpserp: Garbage

                    • serpserpserp on 25/06/2022 - 18:05

                      @dmbminaret: 30k for a 3k afterpay limit

                      • dmbminaret on 25/06/2022 - 19:48

                        @serpserpserp: On the other hand, if you don’t close your Afterpay account while applying for a loan, it helps if you’re upfront with lenders about how much you owe currently and your monthly repayments on an average. Not only can this increase your credibility, but it can also prevent any unnecessary delay in your loan application process.
                        https://www.ratecity.com.au/home-loans/articles/impact-after…

                        Showing a potential lender that you can manage your money responsibly and that you always pay on time is more important than trying to hide your Afterpay account.
                        https://finty.com/au/home-loans/afterpay-home-loan-applicati…

                        Afterpay (and Zip Pay) are technically credit liabilities. Meaning that if you have trouble meeting the Afterpay payments and late fees appear on your account, then yes – this can affect your ability to borrow money.
                        https://mmo.com.au/can-shopping-with-afterpay-affect-your-ab…

                        But how does this affect your borrowing capacity?

                        Contrary to what many have reported, Afterpay doesn’t affect your credit rating, as noted on their website which is good news for anyone considering using AfterPay.
                        So, can it affect your borrowing capacity?
                        Yes, and no.
                        It depends on the lender. Some lenders will take your Afterpay purchasing history into consideration, just like any other financial commitments you may have so make sure you keep on top of payments and don’t go beyond your capacity, but from a credit rating point of view, it doesn’t.
                        So, should you use AfterPay?
                        Just like anything in life, if you use it wisely and in moderation, it’s a good service.
                        https://jrprosperity.com.au/how-afterpay-affects-your-borrow…

                        30k for a 3k afterpay limit

                        Where are you getting this from?

                        • serpserpserp on 25/06/2022 - 22:26

                          @dmbminaret: Sorry when I said "scores" I didn't mean credit rating. I meant the "score" you'd get with your lender. Bad phrasing.

                          It does effect your borrowing power. This was the difference in borrowing power if the afterpay account was closed from a big 4.

                        • sh4hp on 27/06/2022 - 10:51

                          @dmbminaret: Afterpay, zippay etc does not show up on your credit check, but latitudepay does for some reason.

                          Thus why Afterpay won't impact your ratings, but latitudepay does.

            • Craze on 27/06/2022 - 10:19

              @sh4hp: I got rejected couple of months ago just as I was closing their Rewards Black card. They didn't mention LatitudePay but have $1k limit with them which I haven't used since applying for it in 2020. Requested to close the account over the weekend and will wait for a bit before trying again.

              • sh4hp on 27/06/2022 - 10:55

                @Craze: Yeah, I think it is the culprit.

                I believe Latitudepay issues you a virtual credit card, instead of a normal account like PayPal/Afterpay.

                This way, they are protected against defaults.

                Just a guess anyway, since it comes in the credit check.

  • gadgetguy on 24/06/2022 - 16:17
    +1

    Just to confirm, these points can only be used with Qantas, they aren't like ANZ Rewards points? Never had a Qantas-points card before.

    • Pete Gabitas on 24/06/2022 - 16:24
      +1

      Correct. Qantas store (which includes gift cards etc).

      • gadgetguy on 24/06/2022 - 16:25

        Thanks, So what are the values in this thread being based on? I think its normally on redeeming for gift cards?

    • samwise_777 on 24/06/2022 - 16:29
      +4

      They go into your QFF account, which you can then use to purchase gift cards for example, though not usually advised.
      Currently gift cards are 30% off in qantas store (which will end before you get these points).

      Taking WISH gift cards for example 3650 (usually 5220) points for $25 equates to approx. $875 in gift cards for 130,000 points.
      Subtract the $175 cost for the card after the $255 back = $700 in value.

      Compared to the $370 of value from ANZ rewards card at present.

      This assumes a future sale from Qantas for more efficient use of points

      • gadgetguy on 24/06/2022 - 16:30

        Thanks, perfect. I don't fly Qantas so I'd be looking at the gift card option.

        • rogsamsy on 24/06/2022 - 18:54
          +1

          You can use for hotels as well

      • watwatwat on 05/07/2022 - 21:05

        Reminder that this calculation IS NO LONGER AVAILABLE OR ACCURATE due to the end of the same, so it is less than $700 of value now.

        Plus I don't even see them selling wish cards.

        • hamwhisperer on 06/07/2022 - 08:16

          Do you know the new figures?

  • Hammand0 on 24/06/2022 - 16:33

    Anyone tried to get a retention bonus with ANZ recently?
    I've got the card and probably will just keep it. Does threatening to leave prompt them to offer you something to stay?

    • Drakesy on 24/06/2022 - 17:19
      +2

      I've found they're more than happy to let people go these days and have a 12 month breather.

      Last time they offered me 30,000 points to stay for a second year and cop the full annual fee. Yeahnah not for me.

    • Flappysandals on 24/06/2022 - 19:00
      +3

      I believe that as of 2019, banks are no longer able to provide retention offers for people who call up looking to cancel credit cards. See here: https://www.australianfrequentflyer.com.au/credit-card-reten…

      • UrMumsOnlyFan on 25/06/2022 - 22:03

        If you call up looking to cancel then they will cancel. However, you can enquire about a retention offer/options without initiating cancellation. (Whether they actually offer anything these days is another matter.)

        https://www.pointhacks.com.au/how-to-get-your-credit-card-an…

        Note that since 1 January 2019, credit card rules have become stricter for lenders. They must provide an ability for credit cards to be cancelled online. In addition, the credit card provider is obliged to assist the cardholder in any of their requests. However, requests for fee waivers can still be made.

        So, for example, if the cardholder says, ‘I wish to close my card,’ then the provider must reasonably assist in doing this, meaning that they cannot proactively offer bonus points to retain the cardholder’s business.

        However, if you say, ‘I’m thinking about closing my card, but would like to explore if you have any offers available to me before I decide to close,’ then a bonus retention offer is still okay.

  • radissimo on 24/06/2022 - 16:37
    +5

    ANZ = chaotic application process, never,never again

    • Maxxiz on 24/06/2022 - 16:38

      Go on…?

    • gy on 24/06/2022 - 19:57
      +1

      Yes, I gave up on them.

      • timhn on 25/06/2022 - 09:41
        +1

        Each have their own problems. Your experience may not applied to others. My partner and I applied for ANZ CCs twice each year (Rewards & Qantas) for last 5 years. Except once where one of my payslips was higher than normal, they called and asked for another one, we never had any bad experience with them. Got approved virtually within 48-72hrs after applied.

  • hamwhisperer on 24/06/2022 - 16:53
    -1

    Can you buy gift cards with the points? If so, to what value?

    What is maximum profit from this? I made nearly 800 last time

    • samwise_777 on 24/06/2022 - 17:09
      -1

      See above, my comment. At current Qantas discounted gift card rates approx. $700
      if you get the 160,000 point deal its more like $870 equivalent

      • hamwhisperer on 24/06/2022 - 17:24
        -1

        Good effort, thanks.

        Going to bet I can't get this right? I still have my black.

        Might get the wife on it

        P.s you subtracting for the mandatory fee?

        • samwise_777 on 24/06/2022 - 17:34
          +1

          Fee is $425
          Rebate is either $255 or $225 depending on the fine print
          @$225 the fee is $200.

          160,000 points equates to approx. $1075 (WISH $25 is currently 3650 points) - Fee of $200 = $875

          Can't apply within 12 months of holding a QFF ANZ card, but if you hold a rewards version should be fine

          • hamwhisperer on 24/06/2022 - 23:13

            @samwise_777: I have the Anz black, about 8 months back now, though I thought my points were from ANZ not quantas? Maybe I should try again for one. That's some legit profit.

            • samwise_777 on 27/06/2022 - 09:34
              +1

              @hamwhisperer: It will say on the physical card "rewards" if it says rewards then should be OK for this one. I wouldnt try otherwise as it will get rejected and negative on your credit report

  • plentifoo on 24/06/2022 - 17:41

    is there anyway to verify whether you're eligible for 130,000 or 160,000 points? I'm pretty sure I saw the ad on my ANZ bank app, but I'm pretty sure i completed the application for it on a PC browser…

    • Coops1 on 24/06/2022 - 17:47
      -1

      I’m sorry, but how on earth do you not know what you signed up for! If it was 160k you will get 160, if it was 130k you will get 130. There is no way to verify other than ringing ANZ, but what’s the point, it is what it is!

      • gadgetguy on 24/06/2022 - 18:14

        Did you see any of the comments above? It is as clear as mud!

        • Coops1 on 24/06/2022 - 18:18

          Clearer for some than others me thinks. Not even knowing if they signed up on a PC or not….really ! The app takes you to a browser for the application and it clearly says 160k

          • plentifoo on 24/06/2022 - 21:01

            @Coops1: to be fair - banks could do a lot better with making clear what the bonuses are, especially when it's the main reason why people are signing up. They send through tons of paperwork in the way of welcome packs, welcome letters and disclosure booklets but they can't spare one piece of paper to confirm what bonuses you are entitled to.

            • gadgetguy on 24/06/2022 - 23:38

              @plentifoo: Agreed - also my earlier point (see post earlier in this thread) which is that both the number of points AND the amount of credit you get back are quoted differently in the various app screens AND the T&C they refer to.

              How do you know which is correct?

    • bohn on 24/06/2022 - 17:59

      Pc 130
      App 160

  • serpserpserp on 24/06/2022 - 19:31

    Any fee free QFF cards knocking about?

  • Micky14 on 24/06/2022 - 20:13
    +7

    They ask you documents you already provided over and over again. Very annoying.

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