This was posted 1 year 3 months 5 days ago, and might be an out-dated deal.

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ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee

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ANZ Frequent Flyer Black Credit Card 110,000 Qantas Points and $100 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
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Cheepcheep88 on 22/08/2023 - 23:28 anz.com.au (4506 clicks)
Last edited 23/08/2023 - 10:45 by 1 other user

Not for everyone but one of the better deals on quick points volume in quite a while. Was starting to fear we wouldn't see bonus points above 100k again without jumping through the hoop of keeping the card open past the 12 month anniversary.

Highlights:

  • $425 annual fee
  • $100 back to the card (5k spend, first 3 months)
  • 110,000 Qantas Points (5k spend, first 3 months)
  • Min credit limit 15k
  • 2 x Qantas lounge passes per year
  • 1 point per dollar up to 7.5k and 0.5 above that per statement period
  • You are not eligible for this offer if you currently hold or have held 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

  • johnwinkle on 23/08/2023 - 01:29

    can i just buy gift cards for the min spend

    • stopthecap on 23/08/2023 - 02:08

      i load up amazon cards

    • ilubbargains on 23/08/2023 - 09:15

      If you have Zip, pay bills. Then use this card to pay off your Zip account

      • [Deactivated] on 23/08/2023 - 09:30

        When you say bills, do you mean water/strata/electricty? Is there any additional fees for Zip payment to those guys?

      • coxymla on 23/08/2023 - 10:31
        +1

        Anyone tried paying the ATO with Zip?

        • 76F on 25/08/2023 - 22:02

          I've been paying ATO via Zip BPay.

  • jayz on 23/08/2023 - 01:30
    +10

    Very painful to deal with during the application process. I'd recommend passing on it unless you enjoy getting frustrated.

    • howtocreditcardchurn on 23/08/2023 - 18:31

      What issues did you have, I thought they were one of the best to deal with.

      • mahdoo on 25/08/2023 - 19:15

        ANZ are notorious for rejecting people instead of asking for clarification when providing documents, their application process is also notoriously bad and painful to go through..

        I still churn their cards - but got to say - always the worst experience with them. Safest approach I've found is uploading documents, and then calling them and going through the documents over the phone to prompt them into asking questions and clarification.

        • timhn on 25/08/2023 - 20:16

          I had the opposite experience with ANZ. Been getting 2 CCs each year with ANZ (the Rewards and Qantas cards) since last 5 years or so. Approved always 2-3 days later without any further phone calls and such.

          Only once that they called me and asked about extra amount in one of my payslips - it was due to bonus. Got approved immediate after that.

      • mahdoo on 25/08/2023 - 19:22
        +1

        Also, I think you're using the 'associated' incorrectly. You don't work for ANZ, and your website isn't in OPs post.

        You're either trying to advertise your website (Which is abuse of functionality) or you're not understanding the point of the associated flag.

        • howtocreditcardchurn on 25/08/2023 - 20:18

          I think I’m not understanding the point of the associated. It pops up with I am associated with and then obviously my website which I am associated so I thought I have to select it. Other associations also pop up to choose from such as ANZ and Qantas. Obviously either doing it wrong or not understanding. Might have to re read or bring it up with Mods. Thanks for pointing it out.

  • FR3D99 on 23/08/2023 - 01:55

    Also new to this credit card thing - Does signing up for multiple credit cards for points and cancelling before the next 12m annual fee affect your credit score at all?

    • stopthecap on 23/08/2023 - 02:08
      +1

      yes, goes down 20, then back up 20 when u close it. long term it goes up higher than it goes down. I have 825 score and churn 6 cards a year for the last 10 years

      • Bozman on 23/08/2023 - 21:55

        Can I ask what you do so much churning for? What do you spend the points on?

        Flights seem to be almost impossible to get unless you’re gold or platinum status. Though it’s been a few years since I looked.

        • stopthecap on 24/08/2023 - 07:50
          +2

          Points are for flying only and flying business only except in places like cross USA where economy is $$$$. Last year i churned 600k points. About to fly europe SYD - BKK, BKK - ROME, ROME - BKK and just flew BKK - SIN, SIN - MEL, MEL - SYD on points in business.

          The trick to finding flights is to firstly use multi city booking so you can see the entire month of flights instead of daily and also consider flying out of less popular cities such as Manila or cities with more flights such as Singapore. I am gold but i can still find flights on my partners account and shes bronze.

          I think it really sucks they dont allow people to use their points on any flight at any time but well Qantas dont have the best rep but for me it works.

    • howtocreditcardchurn on 23/08/2023 - 18:33

      I find over time it will go up if you don’t churn more that 1 card a month. I churn 6 to 10 cards a year and have a credit score of 909.

  • [Deactivated] on 23/08/2023 - 02:35

    I know the stock could actually close my Commonwealth Bank credit card on the app which was awesome.

    Does NAB allow? Makes it easier than chatting to someone and giving a fake reason 🤣

    • cook99 on 23/08/2023 - 09:40

      I think they all allow cancellation on app / online.

  • stufrase on 23/08/2023 - 02:52

    Does being a secondary card holder on an ANZ card make you ineligible?

    • Usernames on 23/08/2023 - 06:09

      No, because you’re not a card holder.

  • MonocleMoose on 23/08/2023 - 04:44
    +11

    I have this card and I must stress in no uncertain terms that ANZ have the worst banking customer service I’ve ever had.

    Sheer and utter systemic failures repeatedly occurring. Simply dreadful.

    • Yola on 23/08/2023 - 06:21
      +5

      Agree. Anything you want is so difficult. Just to set up a debit you have to call to get a form and then fill it out and email it back. Antiquated systems. Overseas assessment team that does not understand our salary structures so anything out of the ordinary you just get stuck in limbo.

      • flyboysyd on 23/08/2023 - 20:20
        +2

        Exactly my experience. Had to eventually get on the phone to the offshore team and explain how to read a payslip, even though the YTD figure was already way over the minimum requirement for the card.

    • twig on 24/08/2023 - 20:53
      +2

      Their falcon fraud protection system is rubbish. Tried to buy the 10% Coles Amazon gift card deal the other week and it got frozen, but they didn't notify me at all.

      Only realised when I couldn't get lunch that day. Spent over 2hrs on the phone trying to unblock it.

      • MonocleMoose on 24/08/2023 - 21:06
        +2

        I did an international purchase. No warning about my card being locked. Four contacts attempts to get it resolved. Four hours on the phone. Three times they said it was fixed. Three times they were wrong and did nothing

        Those (profanity) at ANZ can rot in hell.

  • first in line on 23/08/2023 - 05:02

    What can you do with 110,000 points?

    • thefud on 23/08/2023 - 05:35
      +3

      Fly return to New York

    • djkelly69 on 23/08/2023 - 06:30

      One person one way to LA/SFO/YVR in business class (108,400).

      • endolphin on 23/08/2023 - 06:54
        +1

        PLUS taxes that are often as expensive as the economy flight. In which case the points effectively provided a business class upgrade, not the entire business class fare.

        • TonyBaloney on 23/08/2023 - 06:59
          +3

          In this case do you think it’s worth $325 to upgrade to business for that many hours…. I think yes!

          • endolphin on 23/08/2023 - 07:20

            @TonyBaloney: Still misleading to not mention the often exorbitant taxes.

            You are also forgetting the opportunity cost of using those points, which can be sold for about 1c each. So add $1100 to that equation and it starts to become a little more interesting.

            • djkelly69 on 23/08/2023 - 07:51
              +2

              @endolphin: Taxes are $175 SYD to YVR (via NAN) and $264 from LAX to SYD.

              You forgot to mention selling points is completely against the T&Cs of QFF and you can have your account shut down for buying or selling points. Not to mention the scammer risk.

          • perfectlydark on 23/08/2023 - 15:50
            +1

            @TonyBaloney: if travelling alone i would absolutely pay that. great deal really

  • Lynx33 on 23/08/2023 - 06:08

    If I’ve done the NAB FF this year, will that effect this promotion ?

    • djkelly69 on 23/08/2023 - 06:31
      +1

      No, other than any effect it had on your credit score.

    • Catsfan070911 on 23/08/2023 - 14:33

      Not at all

      • Lynx33 on 24/08/2023 - 05:00

        As in will they honour FF points ? And provide the bonus points ?

        • CodeXD on 24/08/2023 - 08:33

          They will honour FF points.

          You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

          As long as you haven't had ANZ FF credit card in last 12 months.

        • timhn on 24/08/2023 - 14:13
          +1

          What NAB promo got to do with ANZ promo? Nothing!!!

          You got the points from NAB? Good then go to apply for different promo from different bank - provide you can proof to them you have the right income and what's not.

  • joeyg4343 on 23/08/2023 - 06:41

    Do you guys cancel your current credit card before applying for a new one?

    • Yola on 23/08/2023 - 06:51
      +1

      No. What if you do not get this one? It just depends if your income can cover the old one and this one. When I applied a few months (for my husband) he had 2 X AMEX, Westpac Black, and had just canceled NAB Signature.

      • joeyg4343 on 23/08/2023 - 07:06
        +1

        No big deal if I don't get this one. I just like to hold for about 11 to maximise the perceived value of having a fee.
        Thanks for getting back to me.

    • jeppetto367 on 23/08/2023 - 08:19

      I keep one with a small $3k limit with a card that is free from my bank due to my home loan, that way I always have a credit card. Then churn through all the other banks for bonus points, cancelling one before applying for the next.

    • AnotherAsian on 23/08/2023 - 09:50
      +1

      A big part of their decision is your annual income vs yearly expenses and current credit card limit. They would have a magic formula in deciding how much you're able to pay and how much risk they want to take, giving you a card.

  • darkly on 23/08/2023 - 06:54

    Does signing up for a new card, waiting a few months and leaving have any effect on your credit rating?

    • prankster on 23/08/2023 - 10:38

      Probably; my score went down a little bit but it’s still high overall compared to the average

    • redfox1200 on 23/08/2023 - 11:32

      yes

    • howtocreditcardchurn on 24/08/2023 - 18:14
      +1

      Yes it does, but it might not go down and might increase if you pay it off on time. I apply for a credit card, meet the minimum spend and cancel every second month and have a credit score of 909 which slowly increases every 6 months or so.

  • kimba88 on 23/08/2023 - 07:17
    +1

    Be careful.. anz are changing their spending terms and conditions. It seems things like purchasing gift cards may no longer count towards limits and contribute towards cash advance fees? Im unsure if i interpreted it correctly, but they sent me that in the mail on my final closed statement.

    • timhn on 23/08/2023 - 08:09

      Have you experienced that? Bought gc and charge for cash advance fees?

      • kimba88 on 23/08/2023 - 12:37

        No, but i received paperwork from anz saying they were changing their t's and c's just yesterday. It wont apply to me because i closed my anz black credit card (regrettably.. since i have not been able to service another credit card with another bank).

  • Johnsmithaus on 23/08/2023 - 07:22
    +2

    Terrible application process completed by incapable offshore team with no guarantee of approval even if you’re well within the requirements. Check previous deals for full details.

    • Cheepcheep88 on 23/08/2023 - 07:24
      +1

      So you neg the deal because of your own difficulty?

      • cv05 on 23/08/2023 - 07:34
        +5

        Just here to say that I've been on ozbargain for 10 years and have only just realised that the red negative sign to the left of a comment means that the user negged the deal lol.

      • Johnsmithaus on 23/08/2023 - 08:12
        +17

        If that isn’t a reason to neg a deal then what is? Simply trying to save you some frustrations by providing my experience, what’s your point?

      • teatea on 23/08/2023 - 11:06
        +1

        Pretty certain you can neg a deal if you have issues with the retailer. And anyone who hasn't got their application approved in the first 1 business day will find ANZ customer service to be close to non-existent or no one talks to each other so you often have to repeat yourself or re-send the same document, or call in multiple times.

        • Johnsmithaus on 23/08/2023 - 17:39

          Yup exactly, I had to get the Australian Financial Complaints Authority involved for them to finally dismiss my application and calling me with the same questions non stop. Non existent support and they turn you away at the branch. It’s basically like applying for a CC with an offshore bank if that was a thing.

    • boomramada on 23/08/2023 - 09:29

      I been CBA customer for decades and ANZ customer for year, however I found their offshore team isn't that bad its just their process and online banking isn't the best.

    • digitizer on 23/08/2023 - 12:25
      +1

      I think the worst application process for me out of the banks I've been with (around 10). Had to go show my ID at a branch ¯_(ツ)_/¯
      Also, had someone transferring some money out of their ANZ account into my Macquarie one and they wouldn't let them, saying that my Macquarie one was marked as fraudulent by their Falcon system. I use it for my home loan and never had a single issue transferring to anyone and everyone, so pretty sure it's a muck-up on their side.

  • 1Kenobi on 23/08/2023 - 07:24
    -6

    Anz suck

  • Goldenra1n on 23/08/2023 - 07:35
    +1

    Why have all the cc deals become worse recently?

    • Grassy21 on 23/08/2023 - 08:14
      +1

      Because more people are using them.

    • digitizer on 23/08/2023 - 12:31
      +1

      Maybe the banks are raking in enough money as is, to bother with this petty stuff?
      Record profits across the board

  • Alderson on 23/08/2023 - 07:37

    Can anyone see how long this deal is running for?

    I only just started on a different card (Virgin Money) so it's going to be a while…

  • vetopower on 23/08/2023 - 07:38
    +2

    Mediocre offer. They were offering 110K points + $255 back on the annual fee up until recently.

    • Cheepcheep88 on 23/08/2023 - 07:56
      +2

      In the past 6+ months the vast majority of banks have only been offering that kind of bonus if you hold for more than 12 months. Hopefully the offers get more compelling and competitive again moving forward as they've been ordinary of late.

      • prankster on 23/08/2023 - 10:39

        Doubt it, banks are getting stingy

    • redfox1200 on 23/08/2023 - 11:34

      yeah like 80k first year and 30k 2nd year points

  • Mlapa on 23/08/2023 - 08:16

    For those churning, when do you cancel credit card after receiving the points and all the bonuses. Does cancelling right after affect credit score?

    • jeppetto367 on 23/08/2023 - 08:21
      +4

      Straight after receiving the bonuses and paying off the card. No issues re credit, have a home loan and a car loan. I've been doing this for around 7-8 years and I'm around 30 years old, hasn't seemed to negatively affect me in anyway.

      • Cupa Bundy Drinker on 23/08/2023 - 08:35
        +4

        You don't need to pay off a credit card before cancelling it. You can cancel it at any time, then they will send the monthly statement and you'll still get the interest free period (or minimum payment as an option)

  • Crowmanz on 23/08/2023 - 08:25

    Does ANZ wave cc fees for ANZ home loan holders? Was with NAB and they did but have recently refinanced to ANZ.

    • caustic birch on 23/08/2023 - 08:44
      +1

      I think this was called the BreakFree package previously but they've discontinued it

    • CodeXD on 23/08/2023 - 08:51
      +1

      No ANZ don't do it anymore since there is no yearly paid packages.

    • coxymla on 23/08/2023 - 10:33

      Don't worry, NAB won't do it anymore either.

  • Homr on 23/08/2023 - 08:41

    Anyone know if you can apply if you're on a bridging partner visa?

    • foodag13 on 23/08/2023 - 08:54

      Tried. Nope

      • Homr on 23/08/2023 - 10:21

        Doh! Howcome?

        • foodag13 on 23/08/2023 - 10:29

          You need a visa with an actual end date for them to assess how long you have left on the visa.
          I think NAB and Qantas Premier applications are less stringent on this.

  • Jessie Ryder on 23/08/2023 - 08:46
    +10

    I agree, offshore approval team is shocking.
    Neg for that and also NAB is a better deal at the moment.

    • prankster on 23/08/2023 - 10:40

      Which country is offshore team from? 😅

      • Icyraindrops on 23/08/2023 - 11:26

        India, they're at most, if not all, of the big 4 now and they've been very painful to deal/work with (I work at one of the big 4).

  • DryScissors on 23/08/2023 - 08:58

    I can’t travel, so how much is 110,000 points worth in gift cards?

    Edit: Nevermind, I worked it out. Not a great return.

  • ExpressCoffee on 23/08/2023 - 09:33

    I signed up for this card a month ago with the ANZ reward points offer (~$800 in gift cards)… Oh well!

    • CodeXD on 23/08/2023 - 09:35
      +2

      ANZ Rewards and ANZ FF are 2 different cards and you can get sign on bonus for both simultaneously.

      as long as you haven't had ANZ FF in last 12 months.

      • bongo007 on 23/08/2023 - 12:50

        Don't try this with St George… don't ask me how I know :'(

  • whapkaplit on 23/08/2023 - 09:38

    How long does it usually take to receive your points after meeting the spend requirement?

    • at9 on 23/08/2023 - 09:49
      +1

      Mine showed up in the next month with the points form actual dollar spend.

  • xers on 23/08/2023 - 09:39

    Maybe the approval process has changed since I signed up but when I did it in February this year, I just signed up online and followed up with a phone call and was approved on the same day. Card arrived 4 days later.

  • bargainboyzz on 23/08/2023 - 10:35
    +2

    ANZ has the worst customer experience out of big 4. The app is so terrible it's unbelievable

  • directflight on 23/08/2023 - 10:45

    Deals are getting skinnier all round while in this high interest rate environment. Good deal nonetheless.

    I'm still on my 110,000 Qantas FF Black card with $255 cashback (-$425 annual fees) and looking to churn for another one but there's probably just a handful others (all of which i would not be eligible for due to the 12-month period! bummer)

  • payless69 on 23/08/2023 - 10:47
    -1

    Earn $100 by spending $425.

    Am I missing something?

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