This was posted 2 years 5 months 21 days ago, and might be an out-dated deal.

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ANZ Frequent Flyer Black VISA: Bonus 100,000 (+30,000 in 12 Mths) Qantas Points, $255 Back ($3,000 Spend in 3 Months, $425 Fee)

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ANZ Frequent Flyer Black VISA: Bonus 100,000 (+30,000 in 12 Mths) Qantas Points, $255 Back ($3,000 Spend in 3 Months, $425 Fee)
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punkman on 28/10/2021 - 23:57 anz.com.au (845 clicks)
Last edited 29/10/2021 - 14:30 by 2 other users

Seems like a slight variant to their typical card.

Need to keep for 12 months to get the last 30k points though.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Black credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make $3,000 worth of eligible purchases within three months of approval to receive the 100,000 bonus Qantas Points and have the $255 credited to your credit card account. Eligible purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash advances, cash equivalent transactions, balance transfers, and transactions for gambling or gaming purposes will not earn Points. The 100,000 bonus Qantas Points will be credited to your Qantas account and the $255 will be credited to your credit card account within three months of the eligible spend criteria being met. The $255 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. The 30,000 bonus Qantas Points for retaining the card for over 12 months will be credited to your Qantas Points balance within 3 months from the first anniversary of card approval and the annual fee being charged. If you transfer or cancel your new ANZ Frequent Flyer Black credit card account before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $255 credit and 100,000 bonus Qantas Points or the extra 30,000 bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. You will become ineligible for the 30,000 bonus Qantas Points if the annual fee is not paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. Applications for credit are subject to ANZ’s credit approval criteria. This offer is limited to one credit card application per Qantas Frequent Flyer member.

Financial Cashback Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points VISA

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closed Comments

  • brawndo on 29/10/2021 - 00:02

    What's the annual fee?

  • iainmacsoul on 29/10/2021 - 00:20
    +6

    terrible bank, terrible customer service, the phone interactions will drive you insane

    • tunzafun001 on 29/10/2021 - 00:31
      +5

      Yeah, they have really dropped the ball in 2021. Hopefully just a product of many working from home and will go back to normal. My last application was a real shit show.

      • Jessie Ryder on 29/10/2021 - 10:07
        +1

        Agree, my application was also a real shit show.
        Really not sure why they make it so hard, people will just click to bnpl if they keep this up.

        Id would not recommend based on my latest dealings with their application

        • clubhonda on 29/10/2021 - 12:00

          I might be lucky. I got declined previously when I applied but this time I got a call from an Australian assessor on day 3 or 4 and it got approved almost immediately.

    • jaygee on 29/10/2021 - 00:52
      +1

      Lol I just pick them for the bonus points.

    • eatwell365 on 29/10/2021 - 07:40

      it’s voted bank of year for many years. ANZ should reflect.

  • starcub on 29/10/2021 - 00:25

    How does this deal compare with this? https://www.ozbargain.com.au/node/656282

    • Delphinus on 29/10/2021 - 01:16
      +2

      You can have both, Frequent Flyer is separate from their rewards points.

  • tota0921 on 29/10/2021 - 00:47
    +5

    ANZ… never again.

  • [Deactivated] on 29/10/2021 - 01:28
    +3

    i've personally found them pretty easy to sign up with easy to cancel after you get the points too

  • neilpatrickharris on 29/10/2021 - 01:36
    +2

    so basically $170 for 100k points, whereas previously it was $225 for 120k points. Nobody is going to keep the card open for more than 12 months and pay $425 for 30k points. I value the old deals more since it was only $55 for an extra 20k points.

    I’m fortunate that I've never had any issues with ANZ and approval has always been super quick. Citi on the other hand… can never get approved ever.

    • iwantaphone on 29/10/2021 - 09:33

      What is your income? debating if I should close my kogan credit card first to prevent a rejection

      • skinny on 29/10/2021 - 11:43

        You should declare all your CRedit cards. They will have the full list - non-declaration is perhaps the reason why it takes time

        • iwantaphone on 29/10/2021 - 13:50

          yea i was wondering if i should close my kogan card first before applying

          • skinny on 29/10/2021 - 15:39

            @iwantaphone: Give yourself some time after closure or until you get a letter of closure.

  • radissimo on 29/10/2021 - 01:45
    +11

    ANZ CC application>>>nightmare

  • WalterM on 29/10/2021 - 07:47
    +1

    Also had a terrible experience with recent application, never again

  • SmiTTy on 29/10/2021 - 07:56

    Lots of complaints…. But what was the issue? Genuinely curious to known why the application process was such a bad process.

    • trotsky on 29/10/2021 - 08:40
      +7

      Their offshore processing centre in India are unable to understand even the simplest of scenarios and will have you call repeatedly and send endless documents before calling too hard and rejecting the app.

      I called about 6 times on my last application. I dont have that much free time

      • SmiTTy on 29/10/2021 - 12:24

        Thank u! That does sound terrible.

      • adrianhughes1998 on 29/10/2021 - 17:31

        Correct about the same for me as well.

        When I started leaving public comments on their Facebook page about my experience, that's when I got text messages the day after saying I'd been approved.

        Funny that.

  • agalea101 on 29/10/2021 - 07:57
    +1

    Recent application was tedious - the upload portal is annoying though I did have them call me often with next steps.

    Ill say never again though with a dangle of a QF points in front of me for the right annual fee…. Ill be back! and so will you all lol (The predator evil laugh)

  • [Deactivated] on 29/10/2021 - 08:26
    +3

    I’ve had a home loan with them for years, high five figure amount in the offset and high income earner and was denied the last two applications.

    Not to mention the quality of staff at my local branch.

    They’re rubbish.

  • Westpac on 29/10/2021 - 08:30
    +3

    Stay away from this terrible bank for your own mental health

  • bohn on 29/10/2021 - 08:39
    +1

    Just closed my ANZ FF yesterday after earning the 120k on the previous deal (which was better).
    Had no issues getting approved, will apply again next year.

  • TheFirefighter on 29/10/2021 - 08:43
    +2

    I have a couple of mortgages and a credit card with the bank and will never recommend ANZ based on the past five years of experience.

  • Homr on 29/10/2021 - 09:26
    +1

    I got this one here in March but now cancelled after receiving my gift card.

    https://www.ozbargain.com.au/node/610436

    Will I be eligible for this deal??

    • brongz on 29/10/2021 - 11:39

      It’s 2 different cards (rewards and frequent flyer). I still have the rewards card and been approved for the QFF card as well.

      And agrees with many comments here the application process was a nightmare (3 months worth of payslip and few calls). But lucky for the second card I don’t have to do any of that, got approval email.

      • Homr on 29/10/2021 - 11:46

        3 months of payslips?? Wtf

  • figlia on 29/10/2021 - 09:39

    same as many comments above … terrible application process / terrible cancelation process
    phone support is … (you guessed it) terrible

    biggest plus: they still have physical stores to go to if you have issues

    never again

    • bohn on 29/10/2021 - 12:04

      terrible cancelation process

      ?

      Cancel online in the portal; done it many times.

      • figlia on 29/10/2021 - 12:31

        card got reopened "automatically" one month later when there was $3 refund made on the card from one of the purchases. story continues …. they charged me fees for the next year! because card reactivated

        and over the phone they argued that its a standard process to reopen cards when there is a refund on them…

        • bohn on 29/10/2021 - 15:13

          that does sound very crap indeed and I would be very mad.

  • Coops1 on 29/10/2021 - 11:25
    +1

    Agree, with the negative comments, it can take a lot of time and multiple document uploads to get approved. Make sure your just PAYG. Don’t even attempt if you salary sacrifice, it’s all too hard to explain. Mind you, was just as bad at Citibank this time around.

    • [Deactivated] on 30/10/2021 - 16:45

      i think it's a case with anz (and most other banks) if the system doesn't spit out an automatic approval then dealing with an actual human can be arduous

      • Coops1 on 30/10/2021 - 16:49

        Agree as well. But geez, the going round in circles is crazy. The only thing I didn’t give Citibank was my PIN number for all my cards on the last card lot of phone calls, they got everything else.

        Ya gotta do it but, doesn’t actually worry me, it’s when you apply for the other half or the kids and they have to go thru it…with guidance of course.

    • nine6eight on 23/01/2022 - 09:08

      Approval was quick the first two times I have applied for a credit card with ANZ.

      Now I have applied for this three weeks ago, sent three months’ worth payslips, talked to two different people, followed up via email several times. I am afraid they haven’t asked me about salary sacrifice yet. :/

      It’s so frustrating I just want an answer now if they will approve or deny so I can move on and apply for another credit card for my wife. From another provider of course.

  • timhn on 20/11/2021 - 09:32

    Anyone get part of the annual fee refund (pro-rata) after closed the CC within few months?

    • eastmeetswests on 23/11/2021 - 21:40

      yes, but i have a home loan with anz.

      • timhn on 27/11/2021 - 08:44

        Did you have to ask them or they credit back automatically?

  • Bytelover on 13/12/2021 - 13:52
    +1

    After all negative comments, I decided to give it a shot. Actually found it very straightforward, only find it a bit excessive to havd to supply 3 months of payslips but no biggy. Applied on Friday evening and approved Monday morning, no need for further documentation or anything. Smooth sailing

    • Fancydancer on 27/03/2022 - 16:27

      I had the same experience with the application process this time (had trouble in the past), but when card activated they locked it without telling me after the first transaction was approved. Nightmare of a time after that - over an hour on the phone and little help. Couldn't add to Apple Pay. Finally sorted now thankfully.

  • arctan on 07/02/2022 - 13:07

    anyone know when will they credit you $255? Is it right after you meet the spending requirement?

    • shift6 on 08/02/2022 - 00:46
      +1

      Per the T&C: The 100,000 bonus Qantas Points will be credited to your Qantas account and the $255 will be credited to your credit card account within three months of the eligible spend criteria being met.

      From my personal experience so far, I met the minimum spend within a few days of getting the card, with the first statement posted with the $370 annual fee and $55 reward program fee.

      Hoping that the Qantas Points and $255 will be back within the next month or two, possibly tied with one of the next credit card statements.

  • HappyPanda on 08/02/2022 - 13:40

    Has anyone (who is without a home loan with ANZ) received a pro-rata refund on the annual fees upon cancellation after a couple of months?

    • arctan on 09/02/2022 - 19:10

      No idea but unlikely

  • JDMcarfan on 09/02/2022 - 10:17

    Applied and got knocked back within 10 seconds of the 60 second timer. Make an income greater than 75k and have a home loan with ANZ and one cc (AMEX) that are all paid on time every time. Credit score above 800 (excellent) on Experian.
    No reason given and now I’ve got to chase up with the applications team.
    Looks like they’re knocking back stable people who wouldn’t necessarily make them much in profit.

  • arctan on 09/02/2022 - 19:12

    Just wondering if anyone knows that donation payment to a charity is an eligible spending for this card?

    • UrMumsOnlyFan on 10/02/2022 - 09:47

      Donations are a normal transaction.

  • yht on 16/02/2022 - 17:47

    Applied it for my wife who has never had credit card as the main holder. Her record is spotless. Applied for AMEX, they only need payslip and bank account. Applied for ANZ, they require payslip from current and previous employer, letter from former employer that the company has gone bust. Then another follow up request asking for the bank account showing the salary is transferred via EFT and details of expenses (even though I put $0 for expenses as I paid for all the expenses). Who knows what else they will ask. Will knock down the application if they ask further documentation. Unbelievable !

    • timhn on 17/02/2022 - 20:04

      You shouldn't put $0 on expenses. May be that has raised the red flag. That would tell them the person is not a spender. Besides stable income, they need you to spend your money. Why you need credit card if you spend nothing on your salary?

      I've always put spending for my wife around 40-50% of the salary. Never had any issue for her to apply CC, and she also switching CC regularly.

      Also, judging by other people experiences, it seems that it would make your application easier to be approve if you're having a good history with opened credit cards. Not too much that would show you are incapable paying debt. That's why I still keeping 2 fee free credit cards open, even not using it over 3yr. I've also churning to new card almost every 3-4 months without raise any issue.

      • yht on 18/02/2022 - 17:30

        I don't even need to submit expenses list as the application is approved this morning.

  • JHoliday on 17/02/2022 - 23:09

    Can someone check this link and confirm if it displays correctly for them? Tried Edge, Chrome and Firefox and it all looks messed up with text boxes all over the place, very stretched all over the screen. Maybe they are doing maintenance but I can't apply with it it looking like that.

    https://creditcardapp.anz.com/?adobe_mc=MCMID%3D057921057555…

    • shift6 on 18/02/2022 - 02:23

      Looks fine to me as at 18-Feb 2:23AM AEDT. Tried Safari and Chrome.

      • JHoliday on 18/02/2022 - 12:42

        Thanks, seems to display fine if I use InPrivate Browsing.

  • shift6 on 19/02/2022 - 22:32
    +1

    Consider myself lucky in not experiencing any dramas in the application like other posters in this thread. Outlining my experience/timelines below:

    Day 0: Application submitted
    Day 1: Received email notification to submit payslips. Uploaded on website. Approved same day
    Day 6: Received documentation in mail and activated card
    Day 9: Minimum spend met
    Day 15: Reward program Fee ($55) and Annual Feel ($370) billed to credit card account
    Day 16: First statement posted. QFF points from normal spend credited to QFF account.
    Day 39: Promotion refund of $255 credited back to credit card account
    Day 46: Second statement posted. QFF points from normal spend and 100k promotion credited to QFF account

  • dwhes on 01/03/2022 - 20:20

    Lots of comments on poor experiences with the application. Mine couldn’t have been any easier. Applied online. Got the email saying submit 3 months worth of pay slips or income. Submitted those. Got an email saying approved and cards are in the mail 3 days later. Will see how the points go now after the card arrives.

  • Gazpacho on 16/03/2022 - 11:18

    If you are on a Breakfree package, does BOTH the $370 annual fee and $55 reward program fee get waived?

    And does that mean when you get the $255 cash back, it's 'free' money?

    Can anyone confirm?

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