ANZ Frequent Flyer Platinum Credit Card

On website

ANZ Frequent Flyer Platinum Credit Card

Balance transfer


Purchase rate

20.99% p.a. ongoing

Annual fee

$295.00 p.a. ongoing


  • Receive a bonus of 75,000 Qantas points and a $100 back upon spending $2,500 on qualifying purchases within the initial 3 months of approval.
  • Get 0.75 Qantas Points for every $1 spent on eligible purchases (capped at $3,000), and thereafter, earn 0.5 Qantas Points per $1 spent in each statement period.
  • Enjoy a complimentary Qantas Frequent Flyer Membership.

Pros and cons


  • 75,000 bonus Qantas Frequent Flyer points plus a $100 cashback.
  • Earn 0.75 points per $1 spent up to $3,000 per statement period.
  • Comes with a number of complimentary insurances, including international travel insurance.
  • Up to 55 days interest-free on purchases.


  • The annual fee of $295 p.a. is high.
  • Although uncapped, the earn rate drops to 0.5 points per $1 on any spend above $3,000 per statement period.
  • There is no balance transfer offer available.
  • It costs $65 p.a. per additional cardholder, which adds up.

About this credit card


Card usage

Apple Pay Enabled
Card Type
Gambling Transactions Allowed
Samsung Pay Enabled


Joint Application Accepted
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
Temporary Residents Accepted

Additional cardholders

Additional Cardholders
Additional Card Fee Ongoing

Credit limits

Minimum Credit Limit
Maximum Credit Limit


Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage

Balance transfers

Balance transfer offer

Balance Transfer Rate
Balance Transfer Period
Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan
Balance Transfer Limit Percentage
Balance Transfer Revert Rate

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
Cash Advance Fee Percentage
Cash Advance Fee Threshold


Purchase Rate Introductory Offer
Purchase Rate Introductory Period
Purchase Rate Ongoing
20.99% p.a.

Account fees

Annual Fee Initial Year
Annual Fee Ongoing
Dishonour Fee
Duplicate Statement Fee
Foreign Exchange Fee Percentage
Late Payment Fee


Rewards program basics

Rewards Program
Qantas Frequent Flyer
Rewards Program Annual Fee Initial Year
Rewards Points Expiry
36 months

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
Government Rewards Points Earn Rate
Overseas Rewards Points Earn Rate

Additional perks


Cardholder's Domestic Hotel Burglary Insurance
Cardholder's Extended Warranty Insurance
Cardholder's International Travel Insurance
Cardholder's Interstate Flight Inconvenience
Cardholder's Personal Item Theft Cover
Cardholder's Price Protection Insurance
Cardholder's Purchase Protection Insurance
Cardholder's Refund Protection
Cardholder's Transport Accident Insurance

Travel and lifestyle

Airport Lounge Access Included
Concierge Service Included
Complimentary Flight Voucher Included
Complimentary QFF Membership Included

Our review


Customer service

Rates and fees



The basics

  • Additional cardholders. Request up to 9 additional cardholders for friends and family. There is a $65 p.a. fee per card added, which means it could get quite expensive. Note that the account holder is responsible for managing the account and keeping it in good standing with regards credit limits and timely payments.
  • Digital wallets. You can use this card with all the major digital wallets including Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. You can use this card for purchases related to gambling. ANZ will apply the cash advance interest rate and fee for gambling transactions.

Rewards and benefits

  • Complimentary Qantas Frequent Flyer membership. Save on the membership fee (if you aren't already a member).
  • Complimentary travel insurance. ANZ Frequent Flyer Platinum Credit Card holders have access to complimentary international travel insurance, which will be active on trips where the card has been used to pay for travel costs. Cover includes interstate flight inconvenience, transport accident insurance, and rental vehicle excess. Check eligibility criteria.
  • Concierge services. Cardholders have access to the 24 / 7 concierge service for travel and lifestyle services. Useful for things like restaurant reservations, travel bookings, scheduling meetings, etc.
  • Insurances. Additional shopping-focused complimentary insurances include extended warranty insurance, fraud protection guarantee, price protection insurance, and purchase protection insurance. Check eligibility criteria.
  • Rewards points. Earn 0.75 Qantas Frequent Flyer points per $1 spent with no cap on the number of points you can earn. However, a tier is in place such that spend above $3,000 per statement period earns 0.5 points per $1 spent. Any transaction classed as a balance transfer, cash advance, or fee will not earn points. Payments to the ATO will also not earn points. There are alternative cards that do earn on ATO spend.
  • Sign up bonus. ANZ's signup bonus for the ANZ Frequent Flyer Platinum Credit Card is 75,000 Qantas Frequent Flyer points plus a $100 cashback. To get this, you need to make at least $2,500 of eligible purchases using the card within the first 90 days of approval.

Rates and fees

  • Annual fee. This card's annual fee is $295 p.a.
  • Balance transfers. There is currently no balance transfer offer on this card at this time. ANZ and many other banks have balance transfer offers you may consider.
  • Cash advances. Any cash advances made using this card will be charged interest at the rate of 21.99% p.a. ANZ will charge a cash advance fee as well as interest on any transactions classed as a cash advance.
  • Foreign exchange fee. Purchases made in a foreign currency while overseas or from an overseas online store are subject to a 3% fee.
  • Interest-free period. ANZ Frequent Flyer Platinum Credit Card holders get an interest-free period of up to 55 days on purchases — except for cash advances — if you have paid off your previous balance in full by the due date.
  • Purchases. There is no introductory offer for purchases. The standard ongoing interest rate for purchases of 20.99% p.a. will apply if not paid off in full.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



Best credit card for me

Reviewed by Sharon

Generally very pleased with this card

Reviewed by Judy Nguyen

Great for travel insurance

Reviewed by Henry

Happy with my ANZ card except the annual fee

Reviewed by Ali

Earned 2 return tickets to my home country in 4yrs

Reviewed by Stan

Works well for me

Reviewed by Carolyn

Very pleased with this this card

Reviewed by Michael

Reliable and trustworthy

Reviewed by Mike

Too expensive

Reviewed by Frances Hessing

Cancelling this card because of online banking

Reviewed by Angela

Good card

Reviewed by Nancy

Generally pleased with these cards

Reviewed by Justin

The ANZ app is terrible

Reviewed by Kat

Free travel insurance

Reviewed by Doron

ANZ saved me thousands acting on my behalf

Reviewed by Dale Ann


Reviewed by John

Would recommend for earning points

Reviewed by Stephen

Very happy with AMEX and ANZ

Reviewed by Rob

The best card around

Reviewed by Elaine

Very pleased with this card

Reviewed by Bosco

Better options available

Reviewed by Frank

Generally a versatile card

Reviewed by Mathi

Helps with using the points to fly

Reviewed by Ashley

Good value with bonus points

Reviewed by John

Would prefer lower interest rate

Reviewed by Rebecca

Convenient and handy card

Reviewed by Michael

Great value and features

Reviewed by Andrew

Best card I have ever owned

Reviewed by Elaine

Rewards, insurance and concierge

Reviewed by Kerry

Enjoy the multiple rewards

Reviewed by Natnat

Go with a lower rate, low fee card

Reviewed by Anne

High fee but high rewards

Reviewed by Tony

It's been convenient and reliable

Reviewed by Wayne

Expensive but rewarding

Reviewed by Brian

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