Point Hacks Credit Card Guide

Qantas ANZ Visa Credit Card Guide

So it’s the end of the line for the Qantas ANZ Visa Credit Cards. ANZ have officially pulled the plug on the only Qantas branded cards in New Zealand – there is now no way to directly earn Qantas Points on everyday spend. Keith had a quick conversation with an ANZ rep, you can see the transcript below:

My partner and I both have the Qantas ANZ Visa Platinum, and we wanted to know more specifically how the change would affect us. I contacted ANZ on Twitter, and they’ve confirmed that at this point in time, there are no changes for existing customers – Qantas Point earn rates remain the same, and you can still earn bonus points on eligible Qantas spend.

If you are still determined to earn Qantas Points on everyday spend, you still can, through conversion of Membership Rewards Points with the American Express Platinum Edge Card.

We’ve kept this article on the site so you can read about the benefits of the cards should you already have them.


ANZ have two Qantas Frequent flyer linked accounts (Visa Platinum and Visa). They are the only two credit cards in New Zealand that provide a direct points earn to your Qantas Frequent Flyer account, and are great for those who have a preference for earning Qantas Points.

This guide covers the different earn rates and benefits of each of the Qantas ANZ Visa cards.

Benefits of both ANZ Qantas cards

For both ANZ Qantas cards eligible purchases that count towards points earn do not include cash advances, interest charges, government charges, bank fees, disputed transactions, business related expenditure, payments on your card account, balance transfers, foreign exchange purchases and the purchase of travellers cheques or gambling transactions.

The annual spend period runs from 1 April to 31 March to coincide with the New Zealand tax year.

I personally find the number of interest free days to be quite low – some cards with other banks offer 55 interest free days.

If you are not already a Qantas Frequent Flyer member, your membership fee is waived, saving $50. You can take advantage of this offer before signing up for the card.

Card Details

CardQantas ANZ Platinum Visa
Loyalty ProgramQantas Frequent Flyer
Points earned from spendEarn 1 Qantas point per $1 spent on eligible purchases up to $20,000 p.a., and 1 point per $2 afterwards
Earn 1 extra Qantas point per $1 spent on selected Qantas products and services
Earn 1 extra Qantas Point per $1 spent on Jetstar flights purchased directly from Jetstar
Points capNo
Earn points at Inland RevenueNo
Minimum Income$60,000 p.a.
Included InsurancesComprehensive travel insurance when you pay for at least half of your pre-paid travel expenses with your card, and Transport Accident Insurance (PDS)
Overseas transaction fee2.5% of the NZD amount
Interest free daysUp to 44 interest free days on purchases
Annual fee$150 p.a.
Joint or Additional Card$50 p.a.

Earning points with the Qantas ANZ Visa Platinum

The points earn rate with the Platinum Visa is a simple 1 Qantas Point per $1 spent up to $20,000 per year, 0.5 Qantas Points per $ after.

You’ll pick up 1 extra Qantas point per $1 spent with Qantas and Jetstar flights when bought directly from each airline.

Additional benefits with the Qantas ANZ Visa Platinum

The Qantas ANZ Visa Platinum card come with the following benefits on top of the points earned from purchases:

  • If you are not already a Qantas Frequent Flyer member, your membership fee is waived, saving $50. You can take advantage of this offer before signing up for the card.
  • Overseas Travel and Medical Insurance (PDS)
  • Rental Excess Cover
  • Transport Accident Insurance
  • Access to Visa Platinum Concierge and Visa Platinum privileges
  • 0% commission on foreign currency purchases from any ANZ branch in New Zealand

These are all fairly intangible benefits, meaning that some people may get great use out of them, while others wouldn’t value them highly.

It’s hard to say generally if they are worth the $150 annual fee, but if you end up using them, they’ll definitely help justify the fee.

ANZ Premium Card Travel Insurance

If you are a Qantas ANZ Visa Platinum cardholder, you will receive insurance and assistance benefits for when you travel overseas.

As with any insurance products, we all hope these benefits are useless and you never have to use them.

Full information and the latest PDS can be found on a special website that AIG has set up for ANZ Platinum cardholders. Make sure you read the PDS and obtain independent professional advice before relying on the insurance products below.

ANZ Premium Card Travel Insurance Claims and Enquiries in New Zealand:
Call the AIG call centre on 0800 499 666.
Emergency and Medical Assistance, and Concierge Service when travelling overseas:
Call Travel Guard™ collect on +64 9 359 1627, or email your contact details to [email protected] and they will call you back.

This guide references some of the benefits of insurance policies provided with this credit card.

You should read the PDS and obtain independent professional advice before obtaining this product.

Travel Insurance with the Platinum Visa

The Qantas ANZ Visa Platinum card provides a range of travel benefits to you and your immediate family (travelling with you), each time you travel overseas, including cover for:

  • Medical expenses and personal injury
  • Travel delays and missed connections
  • Personal effects and luggage
  • Loss of income.

Simply use your Qantas ANZ Visa Platinum card to pay for at least half of the prepaid travel costs associated with your overseas trip, and you will be covered. You don’t need to apply or tell ANZ when you plan to travel.

If you redeem Qantas Points for your flights, simply pay for half of the rest of your prepaid travel expenses using your Qantas ANZ Visa Platinum card. If you have no prepaid expenses, call the AIG call centre to activate your cover before you travel. In addition, cover for some pre-existing medical conditions may be available for an extra charge. As part of your Overseas Travel Insurance, you’ll also receive 24-hour emergency assistance and a concierge service through Travel Guard™.

AIG provide this helpful questionnaire so that you can determine your eligibility for cover.

Note that the policy only covers you for domestic travel that is part of your overseas travel arrangements.

24-hour emergency and medical assistance

24-hour access to emergency and medical assistance is available through the Travel Guard™ worldwide network of medical and travel professionals. Travel Guard™ can help you:

  • Find the nearest English-speaking doctor
  • Arrange emergency travel and medical evacuations
  • Find translators and interpreters in over 70 languages
  • Replace lost passports, money, other documentation and luggage
  • Get legal advice
  • Comprehensive case monitoring
  • Credit card replacement services
  • Help with any other problems that may arise while you and your family are away from home

24-hour concierge service

Travel Guard™ also provides a concierge service that can assist you no matter where in the world you might be. The Travel Guard™ concierge can:

  • Make hotel, restaurant and even golf-course booking
  • Provide information on local sporting and cultural events
  • Organise car or business equipment hire
  • Arrange conference facilities
  • Arrange and deliver couriers, messages, or gifts

Call Travel Guard™ for 24-hour emergency and medical assistance, and 24-hour concierge service when travelling overseas.

Transport Accident Insurance

You will receive Transport Accident Insurance if you use your Qantas ANZ Visa Platinum card to pay for the full cost of any overseas or domestic trip on a plane, tourist bus, train or ferry licensed to carry passengers. That means you’ll be covered should a fatal accident occur while you’re boarding, on-board or getting off any of these transport types.

Card Details

CardQantas ANZ Visa
Loyalty ProgramQantas Frequent Flyer
Points earned from spend
Earn 1 Qantas Point for every $1 you spend on eligible purchases up to $5,000 per annum, after that you earn 1 point for every $2 you spend

Earn 1 extra Qantas Point for every $1 you spend on selected Qantas products and services

Earn 1 extra Qantas Point per $1 spent on Jetstar flights purchased directly from Jetstar
Points CapNo
Earn Points at Inland RevenueNo
Minimum Income$20,000 p.a.
Included InsurancesNone
Overseas transaction fee2.5% of the NZD amount
Interest free daysUp to 44 interest free days on purchases
Annual fee$75 p.a.
Joint or Additional Card$40 p.a.

There are minimal other benefits that come with this card, but for the $75 annual fee, that’s not too surprising. The Qantas ANZ Visa Platinum is only $75 p.a extra, and we recommend that you should select that card if eligible.

My experiences

The suitability of an insurance product is an immensely personal choice and you should be fully informed in terms of coverage and eligibility before deciding on the suitability of any insurance that comes complimentary with a credit card. Make sure you read the PDS and obtain independent professional advice.

I personally find the Travel Guard™24-hour concierge service a little odd – Visa Platinum already includes concierge services provided directly by Visa, which I have had a lot of experience using, including for planning my wedding. You might like to try both to see how they stack up against one another.

I contacted Travel Guard on behalf of my partner when she was in Italy in 2016 as she wanted to make an appointment with an English-speaker doctor regarding an ear infection. They ask every question possible and have what sounded like a lot of electronic forms to complete before they could provide any information. Visa aren’t so arduous so might be much quicker to use if you think that it won’t lead to an insurance claim.

Be particularly scrutinous of the insurance cover provided for rental cars – it requires you to accept all optional insurance offered to you by the car rental company. I personally buy comprehensive travel insurance through 1Cover when travelling domestically in New Zealand or across the ditch to Australia, as their cover includes the excess on rental cars without so many exceptions, and is considerably cheaper. Yet again, this is a personal choice, so make sure you do your research.

Summing up – Qantas ANZ Credit Cards

The Qantas ANZ Visa Platinum card is a solid offering for Qantas Points earn, with no overall points cap. However if you tend to put all your spend on the card, you will likely find that you hit the $20,000 annual cap on earning 1 Qantas Point for every $1 you spend, and will quickly find that reducing to 1 point for every $2 you spend. The card also comes with other benefits, including access to Visa Platinum Concierge and Platinum Offers, which can be beneficial if you find yourself travelling frequently overseas. Our full guide of Visa benefits is here.

The Qantas ANZ Visa has a lower barrier to entry – both in terms of income, and with the lower ongoing annual fee. However the $5,000 annual cap on earning 1 Qantas Point for every $1 you spend is ridiculously low, so if you’re eligible, we recommend you apply for the Platinum.

The number of interest free days for these cards is quite low, and comparable Airpoints cards with other banks often offer 55 interest free days. However as ANZ have the monopoly on direct earn Qantas Points cards in New Zealand, there is little incentive for them to offer anything more.

Qantas ANZ Visa Credit Card Guide was last modified: November 24th, 2017 by Daniel Kinnoch

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