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ANZ Frequent Flyer Black
Earn up to 130,000 Qantas Points and $200 back with this premium Black card.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- 90,000 Bonus Qantas Points + $200 Back (spend $5k in 3 months)
- Additional 40,000 Points after 12 months
- 2 Qantas Club lounge invitations per year
- Minimum $15,000 credit limit
The Bad
- $425 Annual Fee ($370 + $55 Rewards Fee)
- Higher interest rate vs ANZ Low Rate card (suitable for full monthly repayments)
- Higher annual fee vs ANZ First & Platinum cards
- Bonus excluded if ANZ Frequent Flyer/Rewards held in last 24 months
Lounge Access
2 lounge networks included
Guest Policy
2 Qantas Club invitations annually
Purchase APR
20.99% p.a. on purchases
Credit Score
Good/Excellent
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real A$425 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- A$520/yr
- Annual fee
- A$425/yr
- Net for your usage
- +A$95
At A$65 per visit, you cover the fee at about 7 visits per year. This card opens 8 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Lounge Networks
2 IncludedAdditional Travel Perks
Lounges ANZ Frequent Flyer Black Opens
8 lounges tracked across 8 airports, derived from this card's network coverage.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Qantas Club and Velocé Network lounges are available at hundreds of airports worldwide