ANZ Frequent Flyer Black
34 reviews
This review reflects on poor bank communication and unhelpful , if not intentionally detrimental, processes for customers in the initial setup of the ANZ Frequent Flyer Black credit card . My card was activated on 16/1/26 with email communication to this point. Notably, the bank has not sent a physical welcome pack in the post despite a promise… Read more
to do so on two separate phone calls to the bank's telephone agents. Secondly, after choosing to use CardPay Direct (Direct Debit) as card balance payment method , the CardPay Direct Application form was duly completed and emailed in accordance with the stated instructions on 19/1/26. Notwithstanding, two days later on 21/1/26, the bank requested further information - a copy of the account statement for the bank account to be debited (an item not previously stated as required) - which was duly emailed. The bank advised by reply email on 22/1/26 the CardPay Direct request was successfully processed. Note - NO mention was made in email that direct debit instruction would NOT be actioned for the first (current) statement (issued 19/1/26). A direct debit payment method confirmation letter was eventually received from the Bank in the post on the 3/2/26 (14 days after the email!). This letter DID (belatedly) mention that direct debit instructions set up (22/1/26) after the statement date (19/2/26) would not be processed for any statement with issue date prior to direct debit setup. The payment due date for the first statement was 2/2/26 (the day BEFORE the letter arrived!). My husband, understandably under the circumstances, expected the direct debit instruction, processed 11 days before the statement payment due date (!), to apply automatically and overlooked the payment due date. That is until 4/2/26 (today) when he realised with surprise and annoyance the direct debit did not apply and had to make a (late) manual payment via Bpay (will incur late payment interest). The Bank's policy, process and communication in this instance is unsatisfactory and unfriendly to any new customer that wishes and expects to make card payments on time using direct debit method. In any world where the customer comes first, the Bank ought to have taken a reasonable approach . It ought to have made good on the direct debit instruction (made almost as early as practicable and processed 11 days before the due date!) to the initial statement. Instead, it applied the logic of convenience and advantage for the Bank versus burden and cost to the customer . In reality, it is almost impossible with this Bank's QFF Black credit card setup processes to take advantage of direct debit payment method for the initial monthly statement. This was never made clear by the Bank. I suppose it probably should not come as any surprise. I would caution any prospective new ANZ Frequent Flyer Black customer to make themselves well aware of this trap.
ANZ warns its customers about scams - but they run one of the biggest scams of all. Earlier this year I transferred from an ANZ Low Rate card to the ANZ FF Black. The key motivation was the 100,000 + 40,000 Qantas points plus a $200 rebate on the very high $400 annual fee, provided $5,000 is spent on the card within three months of account… Read more
opening. The ANZ terms and conditions at the time stated that this offer is not available to customers who have held any ANZ Qantas FF card within the past two years - no problem, I hadn't.
But it now turns out that elsewhere in the current T&Cs (I am not convinced this applied at the time I changed cards) it states the bonus points are not available to ANZ existing customers transferring their card from any ANZ credit card (i.e. not just an ANZ FF card) to FF Black. Despite being obviously highly relevant information, this was never pointed out to me during the card change process with ANZ.
The other irritation is the unusual rigmarole to set up an additional card holder (i.e. my wife), who was required to attend an ANZ branch and then telephone their call centre to set themselves up as a separate ANZ internet banking customer.
I will be closing the account immediately and pursuing ANZ for a pro-rata refund of the extortionate annual fee. My advice is to avoid this card and ANZ at all costs (as many already are, reflected in their rapidly falling market share).
I applied for an ANZ CC. The application was rejected because I did not have a tax return. I am retired. I have $9 Mil in assets. $500,000 cash in the bank. Credit score over 1000. I travel 4 times a year business class overseas for holidays. I spend $20,000 a month on my debit card. Never missed a payment in my life. I want to accumulate FF… Read more
points. ANZ think I cannot service their CC ??? My accountant does not put my tax return in until March the following year.
Fine for everyday transacting, utilising the ANZ app and nice bonus point program for joining but hard to access complimentary lounge passes (need to notify them 3-5 business days & link to your flight at least 24 hours before) & they don’t notify you when you are going to be charged your annual fee (in case you want to cancel before) Show details
TERRIBLE COSTUMER SERVICE. 0/10 – Terrible costumer service. I signed up for this credit card to receive Qantas Frequent Flyer points, however it’s been almost a year and I haven’t received the points in my Qantas account yet. Tried multiple times to contact ANZ for more than months, they are unable to sort this out. Last time I tried to call they put me on hold for more than a… Read more
hour on the phone and still no solution.
I do not recommend any service from ANZ, they will not provide assistance when you need it.
TERRIBLE COSTUMER SERVICE. 0/10
ANZ Card replacement Fail – The true measure of any organisation, is gauged by the speed, courtesy and competence of their ability to address and error. In my case, ANZ cards have completely failed, in every way. I visited my local ANZ branch to ask that my frequent flyer black Visa card be replaced, following a number of merchant issues. I was told, 'quite straight… Read more
forward, a replacement card will be sent within 10 days.' That was 2nd October 2024, and it's now 5th January 2025, and all I've received are excuses.
The on-line help system goes round in circles, it's almost impossible to speak with a human, and when you do, they're unable to help. The branch staff are understanding, and while giving the impression of assisting, still no card arrives.
At first I wondered if the replacement cards were going missing in the post, so with the last three attempts, I've requested that they be sent to the branch for my collection. Still nothing.
Please ANZ, improve the service offered to customers, improve the on-line help system and sort out the card issuing system, four months and I still haven't received a simple card replacement.
Terrible service – Tried to claim the complimentary Qantas lounge pass to find out the process is absurdly complicated. Then found out there is a 3-5 day waiting period before I can use the pass after calling up to get it. This is not listed as a term and condition online. Show details
RIDICULOUS CRITERIA FOR LOW RISK CLIENTS – Rejected for this card despite Excellent credit rating, having just closed a comparative card to take up this one and easily earning the minimum income with income easily outweighing liabilities and expenditure. Girl on the other end could just say the computer has come back with not being able to provide this product. Ok I said, what rewards card… Read more
can you offer then of lesser quality/value? Her response was you'd have to apply for that one to see if you are approved. Ummm no, sorry. Im not risking my credit rating dropping to Very Good if you cant tell me based on the copious amount on information i have provided then i'll go to a comparative competitors card. And thats exactly what I did! Hello Westpac Altitude Qantas Black Card! Same details, followed up with a phone call and approved in under a few minutes!
AVOID ANZ AND THEIR CRAZY POLICIES FOR LOW RISK CLIENTS!! Now to move my Suncorp Home Loan to Westpac so they get nothing out of our household in the future! Yewwwww!
Beware of this unorganized, slow and unresponsive bank – Hope this helps someone who try to get a credit card from ANZ ANZ has a separate overseas team who deal with credit cards. its hard to get to them, they are not well trained. Be prepared to be disappointed. Responce to your card application will take time. First response took me 3 weeks. Approval took 6 weeks. You need to go to a branch to do… Read more
an identity verification. i had to do this twice. The second time had to call the overseas team while i was with the bank staff member to make sure they got it right.
Australian branch do not have access to overseas credit card team or their system. Make sure to ask for customer reference number so the branch can find your account.
Once approved, you need to call the bank to update frequent flyer account. Be prepared to be on the phone for 45mins to 1 hour.
In case if they make a mistake linking it up you will wait for your next statement to realise the points has not been transferred to qantas FF. i had to call them twice and both times they had not updated my FF details properly. I awaited a month each time to learn that they did not link it properly. Make sure to ask the bank if they set it up to "automatic dispurse"
Otherwise contact Qantas and ask them to check from their end. They will ask for a copy of a bank statement.
Overall its not worth it. but you will improve your patience :) Make sure to cancel the card as soon as you receive the points and do not recommand this bank to anyone.
Do not use this card – Been a ANZ bank user for 12 years. Took this card so that I can get some rewards points which can be converted into Qantas miles. I did not get a single reward point after using the card for 3+ months and paying the full balance at the end of every month. I called up the helpdesk and every time was made to wait for more than 30 mins. Finally I gave up and closed the card. Show details
More hassle than what its worth – I signed up for this card as there was a very attaractive bonus points offer. The perks are quite minimal, if useful at all. I am constantly declined when making big purchases. I spend up to an hour on the phone to get through to the ANZ Falcon team and they tell me 'no, there is no single transaction value limit, no rejected transactions that… Read more
they can see etc' and to try contacting the merchant as they may be having IT issues. This is not the case, I use my Virgin Money card and it works, first go, without issue, for the same transaction. Its ridiculous. Sure, the card works at Woolworths etc. but anything over a few thousand dollars requires hours of hassle and yields no solution. If you are considering this card, use it just to get the points as its a horrible experience otherwise. ANZ probably wonder why people 'burn'n'churn' their cards - this is the reason.
ANZ Business Credit Card – Applied for the credit card application early jan - 8 weeks later - the business specialists still haven't submitted my docs to the accessors properly. Need to start training your team better!!!
Its a scam – You can't pay bills using the card otherwise you get charged Cash Advance interest AND fees. I'm cancelling mine immediately. Spoke to the credit card call centre and they said merchants have put this in place for *some* bills but none of my other credit cards have this issue so I checked the terms and conditions and it's listed as an item they… Read more
define to be a cash advance. Crazy! Bills a cash advance?? I went in branch to cancel and even the staff thought it was ridiculous and couldn't believe it. This makes the card completely useless if you're wanting to put all your spending on it to earn points...which is the whole point of the frequent flyer card. Oh and don't bother trying to call them. The system will either hang up on you or you'll spend an hour trying to get through to someone. The branch can't help either because credit cards are a separate entity. The system is built so you can't get support.
Find out how ANZ Frequent Flyer Black compares to other Rewards Credit Cards
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Get it for the bonus points then leave before 1 year – I have gotten this card once before and vowed never to do it again, but I did and now I vow never again. They have fees on top of fees and it's not competitive. firstly they charge additional amounts for the rewards program on top of the credit card fee and also for additional card holders (both the card and the rewards program). As a 'top… Read more
earning' card this is terrible and without any tangible benefit, any other card is better in this regard. The initial bonus points are decent but after spending $7.5k the earn rate is halved. Again for a premium credit card, this is low. If you get this card (which I wouldn't recommend) you can enjoy the quirks of international fees at bad rates and strange billing cycles with statements that overlap their own billing periods. Now on to the positives.. this is a rewards credit card
Wow, this really is bad. Believe the negative reviews – I suppose it's my fault for still applying for this card, even after the numerous negative reviews on here. I thought, it can't be THAT bad right? It is. It has now been a month since my initial application. I had 1 person from ANZ call me 2 weeks in saying they needed more info regarding financials, letter from my previous credit card provider… Read more
proving my account was indeed closed and a letter from my bank who I hold my mortgage with showing how much I owe. I well and truly meet all the financial criteria to be approved for this card , yet they keep asking for more.
I send everything they request, then weeks go by with no response, despite my multiple emails to them (the email they told me to send all correspondence too). On top of this, I have uploaded everything requested to their "secure server". I receive automated reply's from a robot confirming they have received my emails and will be in touch within 2 business days. Still nothing.
Now 4 weeks later, I receive a letter in the mail saying they are unable to finalize my application due to not receiving the information they need and claiming they have not been able to get a hold of me. If I would like to continue my application I need to , you guessed it, email them at the SAME EMAIL ADDRESS I have sent at least 4 follow up emails to asking what what happening with my application. On top of this they have advised because of MY delay in getting in contact with them, they may need to obtain additional credit reports from a credit reporting body. There is no number to phone for application and if you try to get help on the standard ANZ phone number, they just tell you you must email for a response. Even when telling them no one is getting back to me, they don't seem to know how to help or understand me because their English is so poor.
In summery, this has been the most frustrating application for anything I have applied for in my life. Not over exaggerating.
I realize the bonus points are great for signing up, but IT'S NOT WORTH IT. AVOID LIKE THE PLAGUE.
Shocking application process and call centre support team – Ive been going through the credit card application process and it has been extremely frustrating. Every team member that calls gives me a different response, and I have been dinged twice on my credit report now. Im still awaiting a promised call from 3 days ago. DO NOT RECOMMEND. The off shore call centre is USELESS. Show details
The worst credit card and customer service I’ve ever seen – I started using both Amex and ANZ credit cards at the exact same time. Amex credited my Qantas frequent flyer points right on time while ANZ customer service will keep you on the phone for hours ping-Ponging from one department to another, only to tell you that you are not qualified for points (you are) and that you need to wait until the next statement (you don’t). Take your business elsewhere! Show details
Bonus points are the only good thing about this card – At 120k bonus Qantas points i thought this was an okay card. I had a horrible experience with the ANZ black card several years back and thought i'd give them another try - never again... - Long and tedious application process, where the overseas operator kept requesting more financial information. It got so bad i told them to cancel the card, lo… Read more
and behold it was magically approved that day.
- Charging $65 p/a for additional cardholders is a scam. No other high rewards card charges for additional cardholders and its frustrating the card review sites don't pick this up. At $425 for one person ($375 for the card, $55 for a rewards fee?!?!) this is already a very expensive card. For some reason ANZ believe it is acceptable to charge users more for greater utilisation of their product. $10 for an additional cardholder and $55 for a rewards fee on the same account! I have 3 people in the family using this card bringing the annual card fee to a despicable $555 p/a. The only justification of this price are the bonus points.
- The Direct Debit (DD) process is from the 1980's having to post or fax the downloadable DD form. this is purely archaic and a waste of everyone's time. Instead i was recommended to have my personal bank setup an automated payment whenever the electronic bill came in. Essentially ANZ admit their process is rubbish and recommend you use another bank's system to make up for their failings.
- The app is decent and clear but utterly simplistic. The only thing you can do is view transactions. Any other functions and you will either need to call or use the web login.
As one of the big 4, ANZ needs to seriously do better. As soon as it gets close to 12 months (or i find another bonus points card) i'll be happily saying goodbye to ANZ forever.
Inappropriate, ANZ process applications from an Indian call centre – Over 4hrs to complete application, not the 5mins indicated on the ANZ website. Calls received from ANZs overseas call centre, back and forth supplying them financial information. We are always being told not to supply financial information to unknown or overseas callers. Poor effort ANZ Show details
Application Process long and painful – Overseas call centre. Application process quite painful with numerous back and forth phone calls asking for more information. I feel sorry for the poor call centre employees. It’s a clunky process and they need people to fit in the small boxes ANZ have created. Variable income due bonus or shift work? Have a rental property or other credit card?… Read more
Changed jobs in the last 3 months? You’re in for a tough time! I found it easier to get a mortgage than get this ANZ credit card.
Ridiculously difficult application process even if you are wealthy – First off be prepared that you will be dealing with an overseas call centre with broken phone lines who will attempt to process your application. You can not talk to anyone in Australia, they will take your number and the overseas call centre will ring you back. Even if you are rich like me they will ask for a continual stream of financials and… Read more
documents and will want to ring your accountant. The whole process took me 3-4 hours of work. NAB who I previously applied do everything in Australia and the process is very simple and less than 1 hr work from application to approval. Makes me wonder why anyone would want an ANZ card other than the Frequent Flyer points on offer. Be prepared for a painfull process.
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… Read more
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 yourself 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.
So planning is required.
I am not sure if this card suits me because I have found when travelling flights can be changed and delayed with no notice and you really need access to the lounge immediately.
Anyway I hope this information is helpful
Find out how ANZ Frequent Flyer Black compares to other Rewards Credit Cards
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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 Show details
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… Read more
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. Useless. 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.
4. What's the point of this timewasting? Why am I involved? Does ANZ not use computers and AI? Are ANZ managers unaware of how competitors operate?
5. Card approved and sent. Call to activate. "Sorry, we cannot activate. Please hold as you need to talk to a representative".... 25 mins later.... Another discussion. "You now need to upload ID or go to a branch". It was not an easy or quick process.
I have the Qantas Platinum Card and an AmEx card. which were both simple apply-receive-activate processes. No calls, no ID demands. Quick and easy.
So beware. When applying to ANZ you are entering their bureaucratic maze. It will be a long painful process. They do not care. It's the ANZ way
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… Read more
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). Customer 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… Read more
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 concierge. 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.
Good! – 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! Show details
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. Show details
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… Read more
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. Show details
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… Read more
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 this 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. Show details
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! Show details
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.
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