ANZ Frequent Flyer Platinum
23 reviews
I recently changed my credit card from an ANZ Frequent Flyer Black (FFB) to an ANZ First Credit Card as I couldn’t stomach the annual fee on the FFB card any longer. At the point in time when I activated my new ANZ First Card, which de-activated the FFB card (since it was a change of card request), a fraudulent transaction was posted against the… Read more
FFB card number. ANZ claims that this transaction was performed by someone cloning my old card (even though my card never left my possession and the transaction was posted in a different state). Seems very coincidental that this transaction happened at exactly the moment in time when I activated my new card, which de-activated my old card from Apple Pay/Apple Wallet. And there had been no other fraudulent transactions against this card up to this point in time. My suspicion is that there is an issue in the banking system whereby when a card is deactivated via activating a replacement card type, the deactivated card gets crossed with another cardholders card resulting in a transaction that is in the process of being posted, getting processed against the wrong cardholders card. So please beware when changing credit card types with ANZ Bank and check your account activity if you do to look out for erroneous transactions against your account. Note also that ANZ fraud protection is useless. I posted a POS transaction in my home location less than hour prior to the erroneous transaction being posted and the erroneous transaction was also POS in another state that is over 4 hours away by plane. So why wasn’t this picked up by ANZ as fraud and stopped?
They don’t protect you from fraud – I have had fraudulent charges on my card twice in as many months, the first time this happened they didn’t cancel my card properly and have since told me this is the reason why I was hacked the second time. I was overseas when the second fraudulent charge happened, the in app chat took over 24hrs to respond to me and I wasn’t able to place a hold… Read more
in my card until the next day, the app kept saying it “couldn’t block card”. I put in a complaint about this and never heard back.
When I landed back in Aus I called ANZ, who said my complaint had been closed because they had cancelled the card, which is not what my complaint was about. This is also when I found out it was never cancelled properly the first time. They then said they would get back to me in 3-5 days. On the 6th day I called and was told that their time frames are actually 5-10. I complained about how much time I have been on hold, and how much time I have spent fixing all my direct debits (twice now actually) and the fact that I don’t feel confident to use the card for fear of more fraudulent charges. It has now been 15 days and they haven’t contacted me, and over a month and a half since the original complaint that was “closed” even though there was no resolution I am incredibly frustrated by this experience. I gave ANZ an opportunity to fix their mistakes but in the time I have been waiting for a reply I have been charged another years fee and interest on a card I haven’t actually used since November.
Experience Shared – As an existing ANZ customers we decided to sign up for the promotion on their 80,000 points offer on the ANZ Frequent Flyer Platinum Credit Card. After not receiving the 80,000 points contrary to all spending requirements being met, we have just been advised that the "offer" did not include existing customers hence no points are to be awarded.… Read more
Despite receiving new cards and account numbers etc. the account was deemed by ANZ to be an "account transfer" rather than a new account resulting in a particularly poor result. Unaware if other Banks treat there existing customers the same way but be aware if signing up for a new account with your own Bank.
Terrible customer service – I have been waiting over 4 weeks now for my credit card to be approved. Multiple back and forth messages. Missed phone calls. Emails. It’s as if they do not want new customers. I earn a good salary and want to book flights for work. This is taking far too long and I will be applying with another lender unless resolved asap. I’ve sent all documents… Read more
required and just recieved an email to submit them all again. No chance. Very poor customer service.
AVOID!!! – Application process was tidious and assessed by overseas call centres who have no idea how to read or understand Australian statemsnts. Customer service overseas call centres, calls are lagged and half the time they can't hear you. Wait times to get through are terrible and when you get through, sometimes the call is disconnected. Show details
Wont Give Promotional Points – I applied for a credit card for the 70,000 bonus points. I specifically asked whether I was eligible for the bonus points. ANZ indicated I was. After spending the amount required and waiting for months my points didnt arrive. Customer service indicated it would arrive after a few months. After waiting several months and the endless phone call… Read more
times, they told me I was not eligible and would not be getting the points due to closing a recent account with ANZ the year before.
Terrible application process and awful customer service – No, this review is regarding credit application processes at the ANZ, which are terrible. I had an awful experience applying for this card. Three hours on the phone. Indian call centre with people who don't seem to be competent. Emailed over 40 pay slips and over 6 months of statements and more information was needed, despite earning $150k plus… Read more
per year with minimal history. Really, a waste of time and credit vetting over the top! Withdrew application as service was awful. Definately would not recommend!!
Inappropriate, an overseas call centre processes your your application – It is unacceptable that ANZ uses an overseas call centre process your application. They ring and ask for your financial details. My offer was almost refused because the person on the other end could not interpret the statement I sent indicating my previous credit card with another bank had been closed. The process will take in excess of 4hrs of… Read more
your time not the 5mins indicated. Also most of the time the line will cut out or you will not be able to hear the person on the other end. Very disappointing ANZ, your level of service has dropped over the last few years.
Decreasing rewards, difficulties closing account – Like others have stated, the rewards have declined over time, however this is inline with other providers and the overall market and so is just really a sign of the times. But, compared to other similar rewards cards the fees are relatively high. My main issues were with closing the account. I tried to close it a year ago, but had already been… Read more
charged the annual fee 2 days previously and they wouldn’t refund it, so I kept it for another year. Previously in a similar scenario with Westpac they refunded the annual fee on a pro rata basis, so I basically got a full refund of the annual fee.
However the real difficulties came when I actually closed the account this year. It was easy to request to close it with online banking. I closed it 7 days before the annual fee was due. However, I was then immediately locked out of online banking as it said I didn’t have an account (any more). This means I had to call up to get my final statement. So, 5 days later - I called. I waited on hold for 20 minutes only to be told the final statement was not yet issued. I called again a week later - waited for 20 minutes and gave up. Called a third time a few days later (waited on hold for 20 mins) and finally was sent my statement.
However, on my statement I had been charged the annual fee - 7 days after I had requested my account to be closed!
I called up again (waited on hold for 25 minutes) and was told as a “goodwill gesture” they would refund the fee.
A painful waste of a few of hours of my time. I didn’t have the energy to argue about “goodwill” vs their mistake.
This is my main credit card – To be honest I only use this card because it does not charge me annual fees with my home loan package. And because this is a QFF card, I become SO passionate spending money with this card so I can collect Qantas points (which I rarely redeem unfortunately). Not to mention it charges you 55 dollars rewards program fee annually even if my annual… Read more
card fee is waived. So in general, this is not a cheap card. I would have better credit card choices than this one.
Easy set up and good rewards points – Have always found ANZ cards to be easy to set up and customer service has always been outstanding. Keep checking to see when they have rewards points on offer for setting up your card - always a nice bonus when you get a card. Qantas is my main airline for flights and I find the points are transferred quickly and there are reports on what points have gone across. Easy FF card. Show details
ANZ Frequent Flyers Platinum – Works well for me because I have family interstate so the payment I make in fees is covered by the return Virgin Flight I get each year that I would have had to pay for anyway to see my children as well I also get the opportunity to use the Virgin Lounge twice a year. Also I save fees on overseas purchases and when I travel and find it works… Read more
better with this card but exchange rate is no different have had this card now for 3 years and works well for me personally if you don’t travel there are better deals.
Widely acceptable credit card – The ANZ Platinum Visa card is a widely acceptable credit card. Hence, it is accepted everywhere and it has never been declined. This is its greatest asset. Additionally, the Rewards program is very attractive as I receive 1.5 points for every dollar spent. However, the Rewards program is mandatory and not an option. The annual fee for the… Read more
Card is approximately $20 while the annual fee for the Rewards program is approximately $40. Consequently, if I receive a $100 voucher each year (which I usually do) it really amounts to $60 once the fee is deducted that is not so incredible. The point is, the more I spend, the more rewards points I accrue. Ultimately, if one spent a lot of money each year on hotels and travel, etc, the Rewards program would be greatly beneficial.
Find out how ANZ Frequent Flyer Platinum compares to other Frequent Flyer & Travel Credit Cards
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OK to start with – They waived the first year fee and 65000 Qantas rewards point for new sign up at that time. Afterwards the annual fee can cost around $275. For spending above $3000 the point earning rate drops to 0.5 (normally 0.75). It costs a quite a lot for overseas transactions both. Purchasing an item from stores such as BookDepository and TobyDeals Australia that are based overseas is also charged the extra overseas transaction fee. Show details
Frequent Flyer rewards now very low – Costs a lot extra for partners & extra to connect you & partners rewards to your FF program. Now only HALF a point for every dollar spent up to $2000 then you get NONE! Has got worse over the years since I joined ANZ over 20 years ago. Now looking for a better deal on cards. Wake up ANZ, you will lose more customers if you dont offer more. Read the fine print [for any card] before joining. Show details
Was Ok at start then went bad – Note: I will be switching to a different card very soon. The ANZ Frequent Flyer Platinum started off with 2 cards a Visa and Amex (pictured above) with the Visa getting 1 point per $ spent and Amex getting 2 points per $ spent. The Amex was removed and the Visa now only gets half the points it did per dollar before or .75 up to $3000 spend!… Read more
Qantus points are very variable in how much they are worth but I don't think I am using them enough to cover the additional cost of the card. This card costs $295 (at time of writing) which is considerably more than the regular Platinum which is currently $0 if you spend more than $20,000 on the card in a year (otherwise $87) or $95 for their non flyer Platinum rewards. Note: The two rewards cards also charge an extra $65 per additional card holder the regular Platinum does not! The points for the Frequent Flyer are Qantus points - Personally I really don't like flying with Qantus or Jetstar and try avoid them where possible. There are a lot nice features on this card that such as the travel insurance and hire car insurance however most of these same benefits seem to be available on the regular platinum.
Not interested – I recently saw that I was charged around 300.00 per year for this card. When I asked if they could do better since I was a long standing customer, they were not interested. So card cancelled and I can get the same at CBA for 50.00. And I get more points for dollars spent. So ANZ lift your game.
Disgusting customer service – My card is up for renewal fee. I called ANZ and was put to the cancellation team!! I never asked to cancel just consider reduce or waive the renewal fee. The lady on the phone was extremely rude and was hoping i actually cancel the card!! Disgusting customer service....hope these jobs go offshore and teach them a lesson how to "retain customers".
Travel Claim Took Too Long – I travelled overseas in June and had a fall on a cruise ship, dislocating my shoulder. After going onshore to Juneau Hospital for treatment I was left with a bill for $3,842.27. I contacted the insurance and was told to keep all receipts and lodge a claim on my return to Australia. Once home I downloaded all the necessary forms from QBE and the… Read more
checklist with all required supporting documents and submitted my claim in August and informed them that I was still waiting for some outstanding receipts from the hospital but would forward credit card receipts and the actual copies of outstanding receipts as I received them. The claim went on for weeks and there was no correspondence from them, then finally I was told that I had to provide more details and evidence of my trip. This should have all been requested on the initial claim. So the claim gets stalled again. When you submit anything the company does not contact you to let you know that anything has been received so when you wait and you do not hear anything and eventually follow up with emails you get told that it will be 10 days before anyone can get back to you. Eventually they paid the initial part of my claim but the remaining $1,104 was still outstanding. Again I submitted credit card receipts and a further receipt from the Hospital, as I received them, on 3/10/2015. I heard nothing from QBE so sent an email on 20/10/2015 and again on 23/10/2015 and received no response. Finally I called them 29/10/15 to be told that the payment went in to my bank account yesterday and again no one contacted me. So a warning to travellers, if you pay your travel medical expenses on your ANZ Platinum Credit Card, be prepared to carry the expense for several months and don't expect to be contacted and informed by QBE on any of your queries regarding your claim. What it has cost me to carry this expense on my credit card for several months, it would have been cheaper to get separate travel insurance elsewhere.
QBE Travel insurance – I've had the Platinum card for many years now and haven't had any problems with it. I recently tried an overseas trip just using the free QBE Travel insurance offered if you spend a minimum of $250 towards the costs of your trip (flights etc...) instead of purchasing regular travel insurance (we usually buy either RACV or Covermore). Of course… Read more
the one time we didn't purchase travel insurance was the one time something happened. I developed an infected finger which involved multiple trips to the doctor for injections and tablets and even day surgery to drain out the infection which was very costly. I called QBE while overseas who informed me they would cover everything as long as I kept all receipts and got a medical certificate explaining everything.
When I returned I used the online claim system and entered all the information in however after I submitted it I didn't receive any confirmation. I called and was told to wait a few days. After a few days I called again and for whatever reason it did not work and I lost all of the information that was entered and had to complete a paper version and scan and email in which was highly annoying. It takes 10 working days for them to process so the clock was reset from the time I reapplied. After 10 days I received an email asking for another document which meant another 10 days processing time. Finally after another 10 days I was contacted and informed I would be paid minus the $250 excess fee.
Apart from the delays and the error with the online system it wasn't too difficult to get paid. Although it can be difficult getting through to them on the phone. Free (as long as you spend min $250 towards the cost of your trip) Online system error and time taken to review
Not covered for cancelled trip – Booked an adventure trip overseas - 14 days. The purpose of the holiday. Booked another two weeks around the adventure trip - flights, hotels etc The adventure trip was cancelled so no point in all the surounding bookings. Flights to and from etc. Had to cancel everything. Got lots of refunds but a number of things are " no refund on… Read more
cancellation".
ANZ Platinum Visa Insurance advised they will not cover this situation unless the adventure trip was cancelled due to mechanical failure of a vessel, bankrupcy etc. Cheap and reads well Clearly the fine print is not clear
Excellent – We were lucky to have originally taken out a basic ANZ frequent flyer card several years ago when the annual fee was fairly low, and then get offered a free upgrade to the Platinum card by ANZ, so our annual fee is still much lower than that for new customers, making this quite worth-while for us to continue using the card. Having the travel… Read more
insurance included in the program is great, as we often travel overseas and it's nice to not have that extra expense. The fact that I can earn Qantas Frequent Flyer points by simply paying for everything with my credit card. Great travel insurance is included as part of the rewards program, plus several other little extras. Nothing really!
Good – I opened this card to make business purchases & make the card work in my favour for points. So far after 18 months I am quite impressed with the points structure & the extras that are offered. Compared to other cards this one seems quite practicle and value for money. I have always found ANZ uncomplicated, as in there are many branches, the… Read more
internet banking site is easy to navigate and their statements can be sent weekly if required and are well laid out. Fees reasonable if card used and paid off regularly
Great bonus structures
Longer warranties on some products purchased on card The fees (but that would apply anywhere!)
Extra Information
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We also had a claim which took awhile to be paid and it was suggested my husbands" Stroke" was pre… Read more