This was posted 5 months 18 days ago, and might be an out-dated deal.

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ANZ Frequent Flyer Black Credit Card 100,000 Qantas Points & $250 Back with $5,000 Spend in First 3 Months, $425 Annual Fee

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ANZ Frequent Flyer Black Credit Card 100,000 Qantas Points & $250 Back with $5,000 Spend in First 3 Months, $425 Annual Fee
Go to Deal
Koipanda on 21/11/2023 - 23:26 anz.com.au (8800 clicks)
Last edited 26/11/2023 - 11:45 by 1 other user

Highlights:

$425 annual fee
$250 back to the card (5k spend, first 3 months)
100,000 Qantas Points (5k spend, first 3 months) + 30,000 Qantas Points if hold card for over 12 months
Min credit limit 15k
2 x Qantas lounge passes per year
1 point per dollar up to 7.5k and 0.5 above that per statement period
You are not eligible for this offer if you currently hold or have held an ANZ Frequent Flyer credit card in the last 12 months.

Mod note: 30,000 Qantas Points in the second year removed from title — either quote $425 fee for 100,000 or quote $850 fee for 100,000 + 30,000 points.

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

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Comments

      • ky1975 on 24/11/2023 - 12:08

        Does paypal meets the criteria? I am paying most of purchases via paypal

        • CodeXD on 24/11/2023 - 12:25
          +2

          Yep paypal payment will count towards eligible spend

      • Baghern on 25/11/2023 - 12:50

        Is that new…

        Visa, bpay has always counted for points and intelligible spend

        Its the reason I try to alway get visa,

        Mastercard is the difficult one, that has a lot of exclusions, bpay, utilties etc

      • Baghern on 22/12/2023 - 00:57

        Have you tested this?

        From my experience with VISA, anything spent including BPay as always been eligible spent despite what it says on the T&C

        VISA Bpay also gives points, which I can see on my statement

  • putshan on 22/11/2023 - 01:53
    +2

    Signed up for the last deal

    Still waiting for the 'Welcome Pack' so I can activate the card.
    I've called up 4 times, no one seems to be able to do anything.
    They sent me an ANZ Plus Card I never wanted in the meantime.

    I can't wait to leave once I get my points, horrible horrible experience.

  • excusemesir on 22/11/2023 - 03:51
    +2

    I just cancelled my ANZ Frequent flyer card last week and called them to ask if they could refund the annual fee. It seems they have refunded the $370 annual fee but not the $55 rewards program fee but I'm just waiting for the final statement to confirm.

    • pixelgalah on 22/11/2023 - 05:36

      What did you say to get the refund

      • dwarves on 22/11/2023 - 06:23
        +5

        “Can I please have a refund”

      • RTX9090Ti on 22/11/2023 - 07:17

        Refund, or bikies!

      • excusemesir on 22/11/2023 - 07:35

        I asked if I could get a refund for the annual fee. I was then put on hold for probably half an hour whilst I think they were getting approval.

    • Sculpture6166 on 22/11/2023 - 08:03
      +3

      Yes, this was my experience as well.

      Cancelled about a month ago and they said they can’t refund the rewards program fee but can refund their annual fee portion.

      Took about 15m on the phone to get sorted, was easier than getting the card in the first place.

    • Drakesy on 22/11/2023 - 11:17

      Wha?! They've brought this back?

    • ujwols on 24/11/2023 - 07:36

      How long does it take to credit the bonus point? I have met the $5000 spending in my second statement but no bonus point yet

      • excusemesir on 24/11/2023 - 07:47
        +1

        I reached the spend criteria before my second statement. I also received the $100 back before the second statement which was the indicator for me that I had reached the spend criteria. Have you got the $100 back? Another thing you could do is give them a call to confirm the spend.

        • ujwols on 24/11/2023 - 08:05

          No I haven’t received the $100 back yet as well, thanks I will give them a ring

    • eckorock on 28/11/2023 - 01:43

      How long did you hold the card for?

      • excusemesir on 28/11/2023 - 06:56

        Around 1.5 months

        • eckorock on 01/12/2023 - 01:46

          did you get the sign-up bonus of 100k QFF points?

          • excusemesir on 01/12/2023 - 10:53

            @eckorock: I signed up to the previous deal which was 110k QFF points after $5000 spend which I received before I cancelled the card.

    • 76F on 10/12/2023 - 13:46

      Wasn't successful today. Got the same spiel on both live chat and phone (was on the line for an hour) about T&Cs. I have obtained a full refund of the annual fee in the past though.

      An annual fee is charged each year on the anniversary of the account being opened, until the account is closed and the balance is paid in full.

      Since it is part of the terms and conditions of your card, we are unable to waive the fee, however I can assist you in closing the account.

      • eckorock on 10/12/2023 - 14:02

        How long did you have the card for?

        • 76F on 10/12/2023 - 14:06

          Less than 3 months.

  • momptdeals on 22/11/2023 - 08:15
    +1

    Wow, deals are getting worse and worse. A year and a half ago this one used to be 160k qantas points straight up (if you click through their app) - no 12 month hold conditions.

  • notsofast on 22/11/2023 - 08:48

    They knocked me back for some reason on a lower tier card, would apply for this otherwise but ANZ seem to be really strict at the moment

  • Kpfpk86 on 22/11/2023 - 09:15

    hey thanks for the post, where can i locate the $250 cashback offer?

  • offthetap on 22/11/2023 - 09:45
    -5

    applied but why do they want 3 months of payslips?!? :/

    • freekay on 22/11/2023 - 15:21
      +5

      You're either a trolling genius, or incredibly dense. This comment is so exquisitely crafted that I can't tell.

    • timhn on 29/11/2023 - 07:01

      Because their rules

  • ashumz on 22/11/2023 - 09:50
    +1

    Do i keep my Qantas Amex or move to this? having a $450 travel credit with amex is so hard to let go.
    Or maybe i get the ANZ for the 100km points and keep the amex

    • kokoikaka on 22/11/2023 - 10:49
      +5

      keep the amex and churn this card.
      amex is the best card to keep imo

  • ttfb on 22/11/2023 - 09:55

    The travel insurance with this card is very good. Travel once using their complementary travel insurance and you'll pay back the annual fee and more. Very worth it.

    • prankster on 22/11/2023 - 09:59
      +2

      normally most credit cards sometimes have this included nowadays? i have that top cba card and it comes with insurance for free even if i didn't buy it with the cbacard, i just need to let cba know of my travel plans then get free travel insurance.

      • freekay on 22/11/2023 - 15:28

        Agree. Commbank Ultimate Rewards card is a high-tier card. Free insurance (no spend obligation), no overseas tranx charges, decent points earn rates. Has access to 2x generic lounges, which is nice. But what makes it lose its shine is the fact it changed its minimum monthly spend from 1.5k to 4k. At that spend rate, I'd rather go AMEX. It's a shame, really. I would have kept the card and continued churning through other cards, but 4k spend kills it, so I'm churning away once I come back from my holiday.

        • ttfb on 22/11/2023 - 16:35

          yeah, would have been an epic card if they hadn't changed it to $4000.

        • prankster on 23/11/2023 - 08:19

          really i didn't know about the generic lounges but i get this card free coz cba staff member but yeah i heard from a mate the min spend increased to 4k which i think is a bit unfair. if i wasn't a staff member i probably wouldn't have this card coz 4k is a bit too much every month. i'm sure its doable but its just trying to spend to make the 4k min each month that makes it a bit annoying

        • sauce2k on 30/11/2023 - 15:02

          wait Ultimate Rewards has access to lounges???

          • Ozbargainasaurus on 10/12/2023 - 14:50

            @sauce2k: Dragon pass. I used in Geneva. Was great. All free.

            • sauce2k on 11/12/2023 - 10:22

              @Ozbargainasaurus: Wow I didn’t know wtf haha can we use it at sydney int airport?

              • Ozbargainasaurus on 11/12/2023 - 10:42

                @sauce2k: 3 of them in terminal 1. You need to activate your card first on dragon pass website.

                • sauce2k on 11/12/2023 - 13:15

                  @Ozbargainasaurus: Ok thanks. Been holding the card for ages and has no idea

                  • timhn on 11/12/2023 - 13:53

                    @sauce2k: For Commbank, you need to use the Mastercard Travelpass app. Signup and you can see which lounges available at airport.

    • plal on 22/11/2023 - 14:11

      are there any conditions on the ANZ card travel insurance?

      • CodeXD on 22/11/2023 - 14:12
        +2

        It could possibly be in the anz travel insurance terms and conditions document but can't tell from the name of the document

  • nenadb on 22/11/2023 - 10:12

    Does anyone know do they consider cash in your offset as an assest when considering approval?

    • YippyKiYay on 22/11/2023 - 11:56

      My comment is not specific to ANZ, but from my cc churning experience, not really. As far as loans/offset is concerned, they treat cash as disposable in that you could blow it all at any time and instead look at the collective size of your loan(s).

      • freekay on 22/11/2023 - 15:32

        Not quite. They're most interested in your liabilities versus your income. As long as you have the capacity (i.e. income) to service all your liabilities (i.e. repayments, cost of living, etc), including the credit amount you're requesting from them, then you're good.

      • daoddv on 24/11/2023 - 16:53

        after closed the card, how long do you wait to apply for a new one?

    • tinnybastard on 24/11/2023 - 10:03

      They have zero interest in your assets.

  • charliechao on 22/11/2023 - 10:26
    +1

    good luck to getting approved.

    • freekay on 22/11/2023 - 15:34

      I must be an outlier. I applied last night and was approved today, after receiving a quick call to confirm my details.

    • timhn on 29/11/2023 - 07:06

      I've never get rejection from ANZ cc. Usually approved within 2-3 days - applied twice with them each year (Platinium & FF) since 2018. Few times they called to do validation and that was it.

      • charliechao on 29/11/2023 - 16:51
        +1

        if you go through this thread you will know you are that 1% of applicants got approved.

        Most of us got rejected even with $150k more income and minimum debt.

  • macr0hard on 22/11/2023 - 11:01

    applied last week with the old offer, still waiting for their approval so today I withdrew my application and will try again with this new offer next week. Hope that works haha

    • [Deactivated] on 22/11/2023 - 13:34
      +1

      Double credit hit

      • macr0hard on 23/11/2023 - 14:10

        don't think it matters that much, all everyone cares about these days is how much earning and liabilities

  • ProfBon on 22/11/2023 - 11:01

    This or Westbank?

    • dealsforlife on 22/11/2023 - 14:47

      what's Westbank?

      • JohnHowardsEyebrows on 22/11/2023 - 15:27
        +5

        I guess he doesn't want to apply with Gaza.

        • whyisave on 23/11/2023 - 14:21

          Oofth

        • TopG on 28/11/2023 - 13:50

          Epic lol

  • colt75 on 22/11/2023 - 11:19

    Those that got approved. What docs did they require you to send in?

    • [Deactivated] on 22/11/2023 - 13:35
      +2

      ANZ was a freakin nightmare, they didn't accept.
      I had to go into the bank, the bank scammed them and they complained again!

      I called up, and they just approved it.

      Worse bank I've personally applied for a CC, NAB is the easiest.

  • Palomino on 22/11/2023 - 11:39
    -8

    I never take air travel.

    • CodeXD on 22/11/2023 - 11:41
      +11

      Thanks for letting us know

      • Palomino on 22/11/2023 - 11:42
        -3

        lol no worries

  • jedimaster on 22/11/2023 - 13:15

    anyone know when this deal expires?

    • timhn on 29/11/2023 - 07:09

      ANZ normally don't disclose the end date so can terminate any time up to them. I would guess at least 2-3 months.

  • ky1975 on 22/11/2023 - 13:53

    Where do I find the list of eligible purchases?

  • madman697 on 22/11/2023 - 14:10

    hi all, this is my first foray into the world of point hacking. would you guys recommend this or the qantas amex offering? thx

  • firedolphin on 22/11/2023 - 14:42

    declined in 0.5 second, lol

    I've never been successful with any ANZ credit card..

  • sirlitchfield on 22/11/2023 - 14:50
    -3

    Much prefer my Cro Visa card. No fees and instant 1% back on all purchases paid back in Cro. Higher rewards if you can afford the higher staking tiers.

  • graceyym on 22/11/2023 - 14:59

    Wouldnt this deal be better with Westpac? Overall I worked out it would cost $140 more in annual fees for the 2 years but you get an extra 20,000 bonus points. Unfortunately its only 0.75 points per dollar spent, but with the 20,000 points you get may work out better?

    https://www.westpac.com.au/personal-banking/credit-cards/rew…

    • CodeXD on 22/11/2023 - 15:05
      +2

      No one is getting these cards and staying with them for 2 years.

      • graceyym on 22/11/2023 - 15:08
        +1

        You only need to be with them for 1 year & a day really for the additional 30,000 points though - basically pay for the second year. Otherwise its just the 120,000 bonus points after mid spend of $6k within first 120 days.

        Still trying to work out best way to go, is it really just no worrying about the bonuses then cancelled the card after you get the originall 100,000-120,000 bonus in the first 3-4 months after min spend reached?

        • CodeXD on 22/11/2023 - 15:27
          +3

          You only need to be with them for 1 year & a day

          You'll also be paying for 2 years worth of annual fee.

          If you were to make the spend and cancel, then 12 months from when you close it off you can get another 100k QFF points for the same annual fee cost.

  • fivespice on 22/11/2023 - 17:21
    +1

    I've been holding out for a decent Amex card, any good ones with solid bonus points at the moment?

    • noddyc43 on 23/11/2023 - 17:57

      Also looking at this at the moment. 50'000 points for a American Express Explorer card 4k spend in 3 months and $395 annual fee.

      • fivespice on 23/11/2023 - 19:14

        Ah not amazing!

    • blonky on 23/11/2023 - 23:19
      +1

      Amex qantas ultimate was ok until the promo ended a couple weeks ago.
      $450 fee becomes $450 qantas credit.
      4x lounge passes.
      Referral bonuses.
      3k spend to get 75k qantas but now back to 60k

      Times are tough

  • hamwhisperer on 22/11/2023 - 18:50

    I can't recall when I closed our last one!

    • shift6 on 22/11/2023 - 20:46

      If you're OK to sign up to credit score services like Credit Savvy, they should be able to show approximately what month your credit card accounts were closed. I wouldn't be surprised if banks/financial institutions were also OK to provide this kind of info, whether via phone or in the form of a formal letter confirming account closure.

    • jedimaster on 23/11/2023 - 10:09

      check your emails, you will receive one closure email usually

      • hamwhisperer on 25/11/2023 - 15:59

        Found it - I'm just in time.

    • blonky on 23/11/2023 - 23:20

      Check your emails for the closure confirmation and start tracking on a google doc or on rwrds.com.au

      • hamwhisperer on 25/11/2023 - 16:00

        Is RWRDS out of date? I checked that yesterday or day before, was surprised to not see this card on there?

  • ssd01 on 22/11/2023 - 21:16

    Can you use this card for the Qantas lounge even without the Qantas boarding pass.. ?

    • zdb97 on 22/11/2023 - 22:25
      +2

      Need to fly with Qantas or Jetstar

      • blonky on 23/11/2023 - 23:21

        And need to link them to your ticket at least 24hrs before you fly

        • evgpek on 27/11/2023 - 13:23

          I was able to link in the lounge too

        • Jlcanta on 02/12/2023 - 06:47

          How do you do this?

        • plal on 02/12/2023 - 15:09

          when does the lounge passes usually become available after getting the card?

          • blonky on 02/12/2023 - 17:57
            +1

            @plal: You need to call ANZ concierge on 1300 580 765 to receive them

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