All credit cards
ANZANZ Frequent Flyer Black
ANZANZ Frequent Flyer Platinum
100,000 Qantas Frequent Flyer points50,000 Qantas Frequent Flyer pointsQantas Frequent FlyerQantas Frequent Flyer10.75
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ANZ Frequent Flyer Black vs ANZ Frequent Flyer Platinum
vs
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First-year value after costs, on an assumed $2,000 a month
$167
$192 rewards + $400 bonus, less costs
$49
$144 rewards + $200 bonus, less costs
ANZ Frequent Flyer Black's first-year value is $118 higher than ANZ Frequent Flyer Platinum's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
$167
$118 more · Higher value after costs
$49
Sign-up bonus
in dollars, points at what a point buys
$800
100,000 Qantas Frequent Flyer points$400 more · Larger sign-up bonus
$400
50,000 Qantas Frequent Flyer pointsWhat the bonus asks
spend on the card
$6,000 in 3 months
50,000 points in year one
$3,500 in 4 months
25,000 points in year one
Annual fee
ongoing, with any rewards program fee
$425
$295
$130 less · Lower annual fee
First-year fee
$425
the same as later years
$295
the same as later years
$130 less · Lower first-year fee
Rewards program
Qantas Frequent Flyer0.80¢ a point
Qantas Frequent Flyer0.80¢ a point
Earn rate
on everyday spend, at what a point buys
1Qantas Frequent Flyer points per $1 · about 0.80% back
0.20% more back · Higher earn rate
0.75Qantas Frequent Flyer points per $1 · about 0.60% back
Purchase rate
22.49%
a year
22.49%
a year
Interest-free days
on purchases, at most
44 days
44 days
Overseas transaction fee
3.50%
of each overseas purchase
3.50%
of each overseas purchase
Balance transfer rate
23.49%
23.49%
Balance transfer period
No offer
No offer
Cash advance rate
23.49%
a year
23.49%
a year
Additional cardholder fee
$65
a year for each extra card
$65
a year for each extra card
Minimum credit limit
$15,000
$6,000
Complimentary travel insurance
Included
Included
Airport lounge access
No
No
Network
Visa
Black
Visa
Platinum
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, ANZ Frequent Flyer Black charges $425 a year and its sign-up offer is 100,000 Qantas Frequent Flyer points; ANZ Frequent Flyer Platinum charges $295 a year and its sign-up offer is 50,000 Qantas Frequent Flyer points. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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