ANZ Frequent Flyer Black Card Calculator

Card Details & Qantas Points Calculator
1.5x/2x Qantas
0.5x/1x Everything Else
Qantas Frequent Flyer Membership
Two Qantas Club Lounge Invitations

Qantas Points Calculator for the ANZ Frequent Flyer Black Card. Calculate total points and card value based on spend, benefit, and fees.

Bonus Categories

The ANZ Frequent Flyer Black Card features one bonus category which is purchases made with Qantas. There's no limit to the amount of bonus points you can earn spending with Qantas and no limit to the amount of points you can earn with the card overall.

  • 1.5/2x Qantas
    • You'll earn 1 additional point on top of the non-category rate.
    • Qantas purchases are considered to be:
      • Qantas passenger flights with a QF flight number purchased directly from
      • Qantas Frequent Flyer and Qantas Club membership joining and/or annual fees
  • 0.5/1x Non-Category
    • Earn 0.5x on the first $7,500 in spend per statement period.
    • Earn 1x on all purchases above $7,500 per statement period.

Perks & Benefits

The ANZ Frequent Flyer Black Card has a few benefits including complimentary Qantas Frequent Flyer membership and lounge invitations.

  • Qantas Frequent Flyer Membership
    • Receive complimentary Qantas Frequent Flyer membership which normally costs $99.50 for Australia based members.
  • Two Qantas Club Lounge Invitations Annually
  • Travel & Purchase Insurance
    • International Travel Insurance
    • Interstate Flight Inconvenience Insurance
    • Transit Accident Insurance
    • Rental Vehicle Excess in Australia Insurance
    • Extended Warranty Insurance
    • Guaranteed Pricing Scheme
    • Purchase Protection Insurance

Sign Up Bonus (SUB)

The ANZ Frequent Flyer Black has a sign up bonus of 100,000 bonus Qantas Points and $150 back when you spend $3,000 on eligible purchases within the first 3 months of approval. You can also earn 75 bonus Status Credits along with 30,000 additional bonus Qantas Points when you keep the card for more than 12 months. This is a pretty significant sign up bonus which can easily make this card worth it the first year since the 100,000 points alone can be worth around $1,600 or more when redeemed towards flights.

Fees & Income Requirements

Annual Fee

The annual fee for the ANZ Frequent Flyer Black Card is $425.

Authorized User Fee

The authorized user fee for the ANZ Frequent Flyer Black Card is $65 per card, per year. If you add an additional user, you'll want to make sure that they're running alot of spend through the card to make up for the fee.

Income Requirements

There are no listed income requirements for the ANZ Frequent Flyer Black Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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