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ANZ Frequent Flyer
Pros
Cons
Details
Category | Frequent Flyer & Travel Credit Cards |
---|---|
Card Type | Visa |
Minimum Credit Limit | $1,000.00 |
Minimum Income | $15,000.00 |
Additional Cardholders | 3 |
Additional Cardholder Fee | $65.00 p.a. |
Rewards Program | Qantas Frequent Flyer |
Points Earn Rate | 0.5 points per $1 |
Points Conditions |
|
Contactless Payments | Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay |
Rates & Fees | |
Purchase Rate | 20.24% p.a. |
Cash Advance Fee | 2% |
Late Payment Fee | $20.00 |
Annual Fee | $95.00 p.a. |
Foreign Transaction Fee | 3% |
Overseas ATM Withdrawal Fee | $4.00 |
Interest Free Period | 55 days |
Cash Advance Rate | 20.24% p.a. |
Release date |
- 3 reviews
- 1 like
ANZ lack transparency in credit card application
I am a current ANZ customer with a platinum credit card and have been a loyal customer for some time. I have paid my credit balance on time and have had numerous offers to extend my credit limit over the years.
I recently decided to apply for the ANZ credit card promotion that included the qantas frequent flyer program, noting that my current credit card arrangement did not have an attached rewards program. I was astounded to discover that I did not qualify for any of the ANZ three credit cards that featured as part of the frequent flyer pro...
Read moremotion. I was provided with misleading information by the credit card assessment team, who advised me initially that I qualified for the entry level credit card but not the platinum card. Whilst I was disappointed with the outcome, I probably would have accepted this, as my intention was to ultimately cancel my existing platinum card if I qualified for the frequent flyer promotion. After several weeks of ANZ attempting to contact me at inconvenient times (despite me providing numerous replies to ANZ's request regarding my availability), I was informed that I did not meet their 'conditions.' I also contacted the 1800 number provided in the email I received, only to be advised that their credit card assessment centre does not accept inbound calls. I'd suggest removing the 1800 number as an option ANZ!!. I pointed out that I was an existing ANZ customer with one of their credit card products but this seemed to make no difference. I enquired about how they arrived at their decision and the call centre person provided me with an overly bureaucratic response (I.e. the system tells us that you do not meet the conditions). I do not fault the assessor who was ultimately polite but obligated to adhere to the company line. I can appreciate if ANZ have adopted more stringent measures due to current world events and uncertainties surrounding the impact of COVID-19 on the banking sector. However, my experience has lead me to believe that there is a lack of transparency in their assessment approach. The promotion itself also made it sound as though that the application process was straightforward, although in my experience I waited several weeks for an actual outcome.- Transparency
- Customer Service
- See all answers
- 4 reviews
- 1 like
Very happy
Signed up because I wanted to accumulate Frequent Flyer points. They only gave me $1000 limit because I am a retiree but they don’t let me go over that which is great. I always pay the closing balance in full before the due date. There were no fees in the first year, but I requested an amnesty of fees on the second year too, and they granted this request. Therefore no complaints
- Transparency
- Customer Service
- See all answers
The reviewer stated that an incentive was offered for this review
- 4 reviews
Customer service Disappointed
Applied for the card inside the ANZ branch however kept refer me to a different Credit card with higher fees and spendind they want to sell me more products and was not heard as a customer. Only sticking around due to the rewards of Frequent Flyer.
Recieved the card is easy to use however looking for change since had a bad customer services as a first experince.
- Transparency
- Customer Service
- See all answers
- 4 reviews
- 1 like
Good card
I recently changed from the Platinum to this standard frequent flyer card due the cheaper rewards fee.
I have never had an issue using this card and and like that it earns me Frequent Flyer points that I have used on numerous occasions.
- Main Point of ContactPhone
- Card / Account Used For
- Online Shopping
The reviewer stated that an incentive was offered for this review
Find out how ANZ Frequent Flyer compares to other Frequent Flyer & Travel Credit Cards
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- 2 reviews
Credit reporting error with card application
Applied for card and was denied. That's not why I'm unhappy. The credit I was applying for was 15k to use for international travel. That's the minimum limit stated on the application. I checked my credit report and it stated that I applied for a 50k card. This is false and misleading.
- 6 reviews
- 4 likes
ANZ credit card travel insurance - don't leave home with it.
Some time ago I wrote a review entitled "Do not trust ANZ/QBE credit card travel insurance". QBE responded and reviewed the case and after countless apologies found that QBE was entitled to put claimants through the entire qualification procedure on each occasion contact was made with them in relation to the same trip. Of equal brush of, ANZ management gave me a complete brushoff,claiming the matter was between me and QBE. Interestingly, the PDS for the policy states the following.. "The Master Policies are contracts of insurance between ANZ an...
Read mored QBE. They are not contracts between QBE and you." The bottom line is ANZ disclaims all and any responsibility for the administration of ITS policy with QBE and allows QBE free reign to treat claimants like rubbish. The only protection is to change both bank and insurer.Don't get this card
If you're planning on buy anything from an overseas merchant don't get this card they have a fee chargable but there is no explanation for this fee other than you bought this from an oversea merchant. There are other cards who don't charge anything.
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- 24 reviews
- 22 likes
Bad customer service. First impression already tarnished.
This is not about the card itself but more the customer service quality in relation to my application for this card. Despite the initial email confirming that a further email will be sent to me within 5 business days and a letter within 7 business days, I haven't had contact at all from their end and already had to follow up three times. I understand at this stage I'm not yet a customer of ANZ but a prospective one who is already turned off by the level of service. There are numerous credit card providers out there to choose from and I regret going with ANZ.
not the full story
beware if u sign up it will take 3mths before you will be credited with any bonus points!!! they will not tell you this before joining up and when i asked why not they said it was just the way they did it. to spite the fact it does not say that in any of the paperwork they send you before or after you join
easy to apply for
if u have issues staff are nice but not very helpful
Find out how ANZ Frequent Flyer compares to other Frequent Flyer & Travel Credit Cards
Know better, choose better.
Terrible
You can buy qantas points cheaply than the way this cards offer it. Basic maths - 95 fees. That means you have to earn 12000 points to cancel fees. Monthly 1000 points. YOUR CHOICE
high fees
- 47 reviews
- 20 likes
OK
The annual fee and rewards fee are really high ($95) but for what you get it is not too bad but the thing is to spend a lot per month but to pay the balance. This card does not have a high annual fee but it also has a high interest rate (just under 20%). But this card is a wonderful way to get your points high so that you can redeem the points for a QANTAS flight.
That I can get frequent flyer points for every dollar that you spend at the card
Having a points program comes at a high cost
Terrible
I would have thought someone earning over $100 000/annum, living in the same place for 3 years and having a perfect credit history would have no problems obtaining approval. Apparently not. "Weak financials" was my decision after several times of re-applying and challenging their decision to no avail. This was while they were offering 10 000 bonus points upon signing up, so maybe they were hoping for me to re-apply when the deal was over.
Sounds like a good deal if they approve it for you.
Poor reason for decline of applications, and lack of thought into decision.
Find out how ANZ Frequent Flyer compares to other Frequent Flyer & Travel Credit Cards
Know better, choose better.
- 3 reviews
- 1 like
Terrible
Wow, I've had this card twice now. When I got it the second time, I had totally forgotten how terrible the interest rate was, and how high all the fees are. If you're the type of person who pays off their card each month, then this might work for you and get those frequent flyer points up. However, if you use the credit as credit, and accumulate interest, then go find a card with lower rates. Here's a hint... if you've had your card long enough, call ANZ and ask to close the account. They'll ask you why you're closing it. Tell them it's b...
Read moreecause of the high interest rate. They may agree to reduce the interest (on my first card, they went from 18% down to 6.5%) for 6 months or so. If you're disciplined, take advantage of the lower interest, pay it off, and then cancel it. Or, as I did the second time around, I just cancelled it straight out. I've given enough money to them! Frequent flyer points Massive interest rate and all the fees- 3 reviews
Terrible
The fees on this card are absolutly crazy and with cheap flights these days you are better with a mastercard that has no rewards and a low interest rate and saving the cash that you pay on fees for your flights, not to forget the interest rate on this card is less than competative and to top it of the late fees. This is not a good option for the average consumer
The points
Everything else
- 110 reviews
- 39 likes
Bad
It's an ok card but I am lookign at changing. at the time i got it a few years back it was the best on offer for what i wanted but the fees are a rort and I will definately look at changing now.
I used to like this card when it had better earning rates - but since reading the reviews on the fees and how much you earn to actually cancel out the fees Im a bit surprised. one point for each dollar is easy to follow and not many banks give you that these days.
statement is really easy to follow.
high fees - we have a second card and it costs us a couple of hundred a year to just run the two cards. high interest rate of course.!
hate the fact that the point get halved when you reach a cetain $ amount for the month.
Questions & Answers
Can you please check. I, Barbara Price made a purchase with GVV GPOSWEB Alexandria on 29.12.20. I don`t know what I bought.
What answer. I`m waiting on one.
Ask ANZ. If you suspect you did not make the purchase, you should be able to organise a refund from ANZ
Get an answer from our members
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