ANZ Frequent Flyer Black
Quick answer: The ANZ Frequent Flyer Black carries a A$425 annual fee and 3 catalogued benefits; its best earning category is Qantas at 2x. MaxWorth is the only benefits tracker with hand-verified Australian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Qantas | 2x | 2% |
| Everything else | 1x | 1% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Status & Elite Perks (2)
Qantas Club Lounge Access
A$100/yr2 complimentary lounge invitations per year, valid for Qantas Club or Qantas-operated international business class lounges, for the primary cardholder.
Free Qantas Frequent Flyer Membership
A$99.50/yrComplimentary Qantas Frequent Flyer membership (waives the ~$99.50 joining fee) included with the card.
Protections (1)
Travel Insurance & Purchase Protection
A$75/yrComplimentary international and domestic travel insurance (up to 6 months per trip, requires charging at least $250 of eligible travel expenses to the card), rental vehicle excess cover in Australia, Purchase Protection Insurance, and Extended Warranty Insurance. Exact sub-limits per the full PDS were not exhaustively verified in this research pass.
How to track it
Add the ANZ Frequent Flyer Black to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Australian bank account is ever connected. What MaxWorth covers for Australian cards.
Other ANZ (Australia and New Zealand Banking Group) cards
- ANZ Business Black · A$375 · 2 benefits
- ANZ Qantas Business Rewards · A$375 · 3 benefits
- ANZ Rewards Black · A$375 · 1 benefits
- ANZ Frequent Flyer Platinum · A$295 · 2 benefits
- ANZ Rewards Travel Adventures (Legacy) · A$175 · 1 benefits
- ANZ Business 55 Interest Free Days · A$150 · 1 benefits
- ANZ Rewards Platinum · A$149 · 1 benefits
- ANZ Business Low Rate · A$100 · 1 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in AUD. Methodology.