120,000 Bonus Qantas Points & $200 Cash Back Offer
Earn 1 Qantas Point per $1 spent on eligible purchases up to $7,500 per statement period
Complimentary Travel and Shopping Insurances
Two complimentary Qantas Club Lounge invitations every year
$425 Annual Fee
Points Earn Rate drops to 0.5 Qantas Points per $1 spent after the first $7,500 per statement period
3% Foreign Transaction Fee
Minimum Credit Limit of $15,000 may be too high for you
|Category||Frequent Flyer & Travel Credit Cards and Rewards Credit Cards|
|Benefits||Cashback Offer, Complimentary Travel Insurance and Sign-Up Bonus Points Offer|
|Minimum Credit Limit||$15,000|
|Additional Cardholder Fee||$65 p.a.|
|Rewards Program||Qantas Frequent Flyer|
|Points Earn Rate||1 points per $1|
There is no cap on earn rate.
|Contactless Payments||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.24% p.a.|
|Annual Fee||$425 p.a.|
|Foreign Transaction Fee||3%|
|Interest Free Period||55 days|
|Cash Advance Rate||21.49% p.a.|
Receive 120,000 bonus Qantas Points and $200 back when you spend $3,000 on eligible purchases in the first 3 months of approval. Also receive 75 bonus Status Credits and an additional 30,000 bonus Qantas Points when you keep your card for over 12 months.
Visit official website
Clarification on two complimentary lounge passes per year
I am researching this card to see if it will benefit me. I had a question around the free lounge pass as I like to go overseas 1-2 times a year with my husband. The following claim is made:
"Enjoy two complimentary Qantas Lounge invites per year plus unlimited access to participating airport lounges overseas"
Now if you think you can just rock up to a lounge and be let in.......read this
I rang ANZ Frequent Flyer who told me I had to ring their Concierge Team 1300 580 765. So 2 phone calls there. The two complimentary invites refers to your...self and husband /partner once a year. Unlimited access to participating airport lounges overseas means that you can use the Qantas Operated Lounge Only (total of 100 worldwide - so not at every airport) once during any 24 hour period. Not really unlimited...... To book this lounge the Concierge Team suggest you book this annual pass ASAP and you have it already sitting in your account ready to use. If you choose to do it on a whim It takes 3 business days notification. Plus you then need to go on the website 24 hour minimum in advance and Link the Lounge to the Pass. 2 step process. Upon Entry you identify yourself with a passport for example which will be checked against you booking.
Credit card application rejected without valid reason
Held an ANZ credit card a year ago and I always paid my card on time each month. Now wants to reapply but was rejected without valid reason. What a joke. My salary is much better now and I was planning to spend 10K a month but now will bring my business somewhere else. Thanks for nothing
Spectacularly bureaucratic process
I'm sure the middle management drones at ANZ Cards think their process is terrific. How would they know it's terrible? They're just insular bureaucrats. So.....
As background I have zero debt, assets of +$5m, and a fulltime longterm job earning +$200k p.a. I have three other credit cards and each was issued with minimum fuss and process. This was my first engagement with ANZ Bank.
1. Applied, email confirmation. Then got emails demanding a time for a call. Twice they failed to call. Finally we connected on this apparently vital mission.
2. U...seless. Just a long confirmation of my application data. Yes that's my name, yes that's my address, etc. Plus my credit report, which they laboriously went through. Yes I have a high credit score. No I don't know the credit limit on each card is. "A total of $110k?" - sure, who cares. As you can see I have no debts or defaults. 3. Another long hold while he waited on some mysterious external assessment.
Lampooned in another country with no support
I'm currently overseas intending to use the card as my main purchase card while I'm in Eastern Europe. I informed ANZ of my travel plans before departure. Within two weeks of use the card was blocked, and after spending 5 hours dialling ANZ internationally, no one in the card assistance team was able to explain to me why my purchases were being blocked and suggested I keep trying to use the card. The last time I tried this the merchant was receiving instructions from the bank to confiscate the card from me ( This thankfully did not happen). Cus...tomer service has offered the possibility of an emergency card and travel money for the interim, which was good, but this shouldn't be happening in the first place. It's a good card if you stay within Australia and your purchases aren't blocked randomly without explanation. Commonwealth bank has a much better authentication system comparatively though (Not that their offers are any good)
One of the 3 best Visa top level card
Thus by far probably in my opinion one of the most love best top 3 visa credit card. I owned this card while mortgage with them, the ratio of earning points is 1:1 and most visa card out there now just 2:1 ratio and probably can find 4:3 but tough. It comes with all top level cards have to offer such as travel insurance, fraud protection etc. Used to have better access to lounge but veloce world probably not doing great thus lost their lounge connection, however, QFF lounge remains accessible for free 2x per anniversary but have to call their c...oncierge. The downside is that the annual fee is moderate high to maintain unless you have a mortgage with ANZ. I let go the ownership of the card since i refinanced my mortgage. Still regret it till today.
The reviewer stated that an incentive was offered for this review
Good card with rate. The bonus points on offer are good for flight tickets and some times very good deals for new members, also easy to claim for frauds but it's too expensive to maintain the card!
The reviewer stated that an incentive was offered for this review
Great card. Good earn rate
Great card. Good earn rate. The bonus points on offer will help. Eligible purchases for points is broader than other providers such as citi. Personal concierge is also very helpful.
Almost not worth the hassle
The application process in our case was a hassle and their customer service team wasn’t on par as other cards I hold.
I find having to call the bank to release the Qantas Lounge invitations a bit sneaky, the only benefit with this is if they have a year of expiry from when you ask for them, which I’m yet to test. I can imagine a lot of people forgetting to use their invitations with the extra step to land them in their QFF account.
In all, it’s good for bonus points but not worth keeping long term when you compare the other cards on the market.
So so card
I got this card as a part of my home loan package with ANZ. Other than the 1 qantas point per dollar spent, the only other meaningful benefit is the two qantas lounge passes per annum.
Hardly any entertainment or lifestyle offers.
I only have the card as my other card is Amex and sometimes I need a visa card as Amex is not as widely accepted.
High annual fees, extensive insurances, poor customer service,
We are using our card in Australia only. Approval was very quick. However we had lots of issues to physically get the card, and the customer service (based out of India I guess) was neither responsive nor competent. It took them 3 weeks to figure out that the card was sent at a wrong adress. Still the validity period starts from the Approval, not from the 1st use of the card which makes no sense !
The Qantas bonus points and the 200eur cashback in the first months (subject to minimum spending) makes it still interesting, but I wouldn't take th...is card without these bonuses. To be noted : there are also lots of differerent insurances included with the card, on the purchase, travel, car rental, etc... It is worth having a look, as you can save hundred of $ by not contracting them separately. So far, we had no issue with the collection of Qantas point, hopefully our bonus will be vaidated and transfered as promised.
Nice bonus points
I joined for the bonus Qantas points offer which was definitely worthwhile and easy to qualify for. The credit card also comes with an AMEX which has higher points per dollar. It was one of the first cards to use Apple pay too so very convenient.
Do not get an ANZ Frequent Flyer Black!!
ANZ does not transfer your points from the credit card to frequent flyer. They make you hold hours in the phone and say you need to wait until next month period to receive the points and next month they have a different excuse. For the cost of the credit card fee it is DEFINITELY not worth getting this service. IT DOES NOT WORK!
Lots of extra fee like rewards management fee and fees for additional card holder.
There are many extra fees which is part of annual fee but not cover for breakfree customer.
Like reward management fee which no other bank charge for like NAB.
Addition, there is additional charges and reward management fee for additional card which again no bank charge for this.
Questions & Answers
Will be going on BreakFree package with ANZ with this credit card. With an additional account holder what will be the total additional costs I will incur on top of the BreakFree $395 fee
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