ANZ Frequent Flyer Black goinfo | NAB Qantas Rewards Signature Card goinfo | Westpac Altitude Black - Qantas Offer goinfo | Qantas Premier Platinum Credit Card goinfo | |
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| Total Points Total points is the estimated number of bonus points earned plus points per dollar earned during the forecast period, based on your inputs above and the promotional offer of the card. Some cards may have points capping and spend requirements, which are factored into our calculations. It is assumed that the monthly spend is applicable for each month of the forecast period, and that it does not include any excluded or reduced earning transaction categories, e.g. cash advances, government or international purchases. All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information. Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying. More info links to a detailed product page on our site. | ||||
| Total Fees Total annual fees charged for the number of years the card is held (based on your input above). An annual fee is charged in full for each year or part of a year. The calculation takes into consideration annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation. All estimates are based on our assumptions on card usage and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information. | ||||
| Basics | ||||
| Rewards Program | Qantas Frequent Flyer | Qantas Frequent Flyer | Qantas Frequent Flyer | Qantas Frequent Flyer |
| Offer Ends | 31 Mar 2021 | 24 Feb 2021 | ||
| Balance Transfer Rate The interest rate applied to the balance transfer amount for a set period of time | 20.24% p.a. Interest rate payable on the remaining balance of debt that has been transferred to this card | 0% p.a. for 6 months with a 2% balance transfer fee Interest rate payable on the remaining balance of debt that has been transferred to this card | 6.99% p.a. | 0% p.a. for 18 months with a 0% balance transfer fee No Interest free days apply to retail purchases while you have a Balance Transfer. |
| Balance Transfer Months Number of months the promotional balance transfer offer applies | 6 months | 12 months | 18 months | |
| Balance Transfer Fee Fee incurred for processing a balance transfer | 2% | 1% | ||
| Balance Transfer Revert Rate The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product. | 21.74% p.a. | 21.49% p.a. | 21.99% p.a. | |
| Balance Transfer Limit Maximum percentage of your approved credit card limit that can be used for the balance transfer | 90% | 80% | 80% | |
| Purchase Rate The standard interest rate that applies to purchases on the card | 20.24% p.a. | 19.99% p.a. | 20.49% p.a. | 19.99% p.a. |
| Interest Free Period The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date. | Up to 55 days | Up to 44 days | Up to 45 days | Up to 55 days |
| Cash Advance Rate Interest rate incurred for a cash advance | 20.24% p.a. | 21.74% p.a. | 21.49% p.a. | 21.99% p.a. |
| Minimum Credit Limit | $15,000 | $15,000 | $15,000 | $6,000 |
| Maximum Credit Limit | $75,000 | |||
| Card Type | Visa | Visa | Mastercard | Mastercard |
| Mobile Cardless Payments | Yes Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay | Yes Apple Pay Samsung Pay Google Pay NAB Pay | Yes Apple Pay Samsung Pay Google Pay Garmin Pay Fitbit Pay | Yes Apple Pay Google Pay Samsung Pay |
| Other Requirements | Yes Don't currently hold and haven't opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months | |||
| Fees | ||||
| Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. | $425 Includes a $370 Annual Account Fee and a $55 Rewards Program Services Fee | $295 for the first year then $395 p.a. | $300 p.a. Includes $250 annual fee and $50 Qantas membership rewards fee | $299 p.a. |
| Cash Advance Fee | 2% or $4, whichever is greater | 2% or $2.50, whichever is greater | 2% or $2.50, whichever is greater | $3 or 3%, whichever is greater |
| Minimum Monthly Repayment The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing. | 2% or $25, whichever is greater | 2% of the closing balance or $10, whichever is greater | 2% or $30 or the sum of 1% of closing balance + late payment fee (if any) + interest for the month | |
| Late Payment Fee Fee incurred if the minimum repayment is not paid by the due date | $20 | $15 | $15 | $30 |
| International Cash Advance Fee | 2% or $4, whichever is greater | 2% or $2.50, whichever is greater | 2% | $5 |
| International ATM Withdrawal Fee | $5 | $5 | ||
| International Transaction Fee Fee incurred for transactions made in foreign currency | 3% of transaction amount | 3% of the transaction value | 3% of the transaction value | 3% of the transaction value |
| Additional Cardholder Fee Fee incurred for adding an additional cardholder to the account | $65 | $0 | $0 | $50 p.a. |
| Maximum Additional Cardholders Maximum number of additional cardholders | Up to 9 | Up to 1 | Up to 1 | |
| Dishonour Fee | $15 | |||
| Rewards | ||||
| Bonus Points The promotional bonus points offered. A minimum spend requirement within a set time period may apply. For example, in order to earn 90,000 bonus points, you may need to spend at least $3,000 per month on eligible transactions during the first three months. Some transactions may be excluded or earn points at a reduced rate, e.g. cash advances, government or foreign transactions. Conditions apply. Refer to the bank's website for full T&Cs. | 120,000 Earn 120,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black credit card when you spend $3,000 on eligible purchases in the first 3 months from approval. | 130,000 Earn 100,000 bonus Qantas points when you spend $3,000 on everyday purchases within the first 60 days of account opening and 30,000 bonus points after your first anniversary. | 120,000 Earn 80,000 bonus Qantas Points when you spend $4,000 within 90 days of card approval. Earn an additional 30,000 bonus points after making one eligible purchase in your second year of the card being opened. | 100,000 Earn 100,000 bonus Qantas Points when you apply by 30 November, are approved, and spend $4,000 on eligible purchases within the first 3 months. |
| Rewards Earn Rate per $ spent The number of rewards points earned for each eligible dollar spent on the card | 1 points per $ Earn 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period then 0.5 Qantas Points per $1 spent on eligible purchases above $7,500 per statement period | 1 points per $ Earn 1 Qantas Point per $1 up to $5,000 on everyday purchases then 0.5 Qantas Points per $1 from $5,000 to $20,000 on everyday purchases (capped at $20,000 dollars) | 0.75 points per $ 0.75 points per $ on eligible purchases | 1 point per $ Earn 1 point per dollar for the first $10,000, then 0.5 points thereafter. Earn 1.5 points per dollar on eligible international purchases Earn 1 additional Qantas point when shopping with Qantas |
| Rewards Points per $ Cap A threshold for the number of rewards points that can be earned in a period of time | Capped at $20,000 Capped at $20,000 of spend | |||
| Eligibility | ||||
| Minimum Income | $75,000 | $35,000 | ||
| Minimum Age | 18 years of age or over | 18 years of age or over | 18 years of age or over | 18 years of age or over |
| Temporary Resident Application | Yes, conditions apply Must have more than 9 months available on Visa | Yes - conditions apply, see bank site for details | Yes - conditions apply, see bank site for details | No |
| Joint Application | No | No | No | |
| Extras | ||||
| Travel Insurance Terms, conditions, limits and exclusions may apply, check product site for details | Yes International Travel Insurance Interstate Flight Inconvenience Insurance Rental Vehicle Excess in Australia Transit Accident Insurance | Yes Overseas Travel Insurance Interstate Flight Inconvenience Insurance Transport Accident Insurance Domestic Hotel Burglary Insurance | Yes Overseas travel insurance for persons up to and including 80 years of age Interstate flight inconvenience insurance Transit accident insurance Rental vehicle excess in Australia insurance | Yes |
| Purchase Insurance Terms, conditions, limits and exclusions may apply, check product site for details | Yes Purchase Protection Insurance Extended Warranty Insurance Guaranteed Pricing Scheme | Yes Extended Warranty Insurance Price Protection Insurance Purchase Protection Insurance (Personal Items) | Yes Purchase security insurance Price guarantee cover Extended warranty insurance | |
| Concierge Service | Yes | Yes | Yes | Yes 24/7 Concierge Service |
| Additional Extras | Yes $200 back on your card when you spend $3000 within first 3 months Qantas Club membership offer | Yes 2 complimentary Qantas Club airport lounge passes each year | Yes 2 complimentary lounge invitations per year Up to 20% off selected Qantas and Qantas Link domestic flights for you and up to 8 companions | |
