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ANZ Business Black
Looking for a credit card that earns Business Reward Points and has up to 55 interest free days on purchases?
You’ve found it with Business Black.
Plus, you could also:
Earn 100,000 extra Reward Points
when you spend $6,000 on eligible purchases in the first 3 months from approval of your new card.disclaimer
Use your accounting software to apply for your card faster
Apply online in 20 minutes through an encrypted, one-time connection to your accounting software. No application paperwork or need to visit a branch.
T&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card per annum). New cardholders only. Offer not available to customers who have held an ANZ Qantas Business Rewards or ANZ Business Black card in the last 12 months.
Get your new ANZ Business Black card
Enjoy uncapped Reward Points
- Earn 1.5 Reward Points for every $1 up to and including $10,000*
- Earn 1.0 Reward Point for every $1 over $10,000*, uncapped
*per statement period, eligible purchases onlydisclaimer
Great Rewards options
Once you start earning Reward Points, redeem your Points for a range of Rewards options like gift cards and cashback.
Manage cash flow
Up to 55 interest free days on your purchasesdisclaimer and reduce your paperwork with one monthly statement summarising all transactions.
Complimentary travel insurance
Complimentary Domestic Travel Insurancedisclaimer and International Travel Insurance.disclaimer
What could 100,000 ANZ Business Reward Points get you?disclaimer
You could redeem them for one of the following:
Minimum $400 digital gift card
to use at 37 selected leading retailers, including JB Hi-Fi, Woolworths, Myer and Bunnings.
$400 ANZ Cashback
which can be used to reduce your ANZ Business Black credit card balance.disclaimer
Airline partner points
to redeem as 50,000 Velocity Frequent Flyer Points, 500 Airpoints Dollars, 33,000 Asia Miles, 33,000 Singapore Airlines KrisFlyer miles.disclaimer
Eligible purchases | 1.5 Reward Points 1.0 Reward Point |
|---|---|
Taxation payments | 0.5 Reward Pointsdisclaimer |
Interest rate on purchases | |
Interest rate on cash advances | |
Annual Fee | $300disclaimer
|
Annual Additional Cardholder Fee | N/A |
Rewards Fee | $75 per card per yeardisclaimer
|
Interest free days on purchases | Up to 55 daysdisclaimer |
Minimum credit limit | $5,000 |
Maximum number of cards | Unlimited |
For details about all applicable fees & charges please refer to the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF).
Get on top with the right card for your business
Keep track of business expenses
- You'll receive simple monthly statements with transactions sorted by cardholder
- Simplify your bookwork with handy data feeds to Xero™, MYOB®, Intuit QuickBooks® Online and many more accounting software providers
- Find out more about how you can get on top of cash flow with your business card
Protect your business
- Unauthorised Transaction Insurance disclaimer insures your business against unauthorised card use for up to $37,500 per cardholder and $200,000 maximum for the total account, in any 12 month period
- Set monthly spend caps, transaction limits and merchant category controls for each cardholder
ANZ Global Business Concierge disclaimer
24/7 access in 12 languages to:
- Travel and destination information on where to entertain clients and staff
- Priority bookings for dining experiences
- Priority access and discounted tickets for trade shows, sporting and special events
Fast online application
Apply in 20 minutes
ANZ GoBiz is an online platform which securely connects with your accounting software to assess your financial data, giving you a decision in minutes.
GoBiz is suitable if your business:
- Uses Xero, MYOB or Inuit QuickBooks
- Has at least 6 months of reconciled financial data in AUD
- Operates under a registered ABN/ACN.
- Has been GST registered if annual turnover is $75,000 or more
- Has an annual turnover not exceeding $10m
Banker-assisted
We'll call you ASAP
If you can't use ANZ GoBiz or just want to talk through your options, our expert business bankers are standing by to assist.
Just leave your details and we'll call you back within 1-2 business days.
Already a customer?
We're here to help you with your ANZ business credit cards
Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.
ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF) before acquiring the product.
Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions, Fees and charges and eligibility criteria apply.
We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.
ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) apply.
Offer available to new and approved applicants who apply for a new ANZ Business Black account. ANZ may terminate or withdraw this offer at any time without prior notice. This offer applies only once per new ANZ Business Black account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Business Black account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 100,000 extra Reward Points. Eligible purchases means purchases which are eligible to earn Reward Points. Certain transactions and other items are not eligible to earn Reward Points. For details refer to the ANZ Business Rewards Program Terms and Conditions (PDF). The 100,000 extra Reward Points will be credited to the Principal/Rewards Administrator within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Business Black account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the 100,000 extra Reward points are processed to your account, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.
ReturnReward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF). Certain transactions and other items are not eligible to earn Reward Points. For details refer to the Business Rewards Program Terms and Conditions (PDF).
ReturnInterest free days do not apply if you do not pay your Closing Balance in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF).
ReturnComplimentary credit card insurance covers provided are part of a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708 to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and the ANZ Business Black and ANZ Qantas Business Rewards Complimentary Travel Insurance Policy Information Booklet (PDF) as applicable which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.
ReturnConversion calculations correct as at 25 March 2024. Conversion rates subject to change. Please refer to ANZ Business Rewards for details of current rates.
ReturnANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Business Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Business Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Business Black Credit Card balance within 2 business days. Minimum Redemption thresholds apply.
ReturnMinimum Redemption thresholds apply. To redeem ANZ Business Reward Points for Velocity Points, Airpoints or Airmiles, you must be a member of the relevant program and an ANZ Business Rewards Account Holder. Refer to the relevant program terms and conditions for details: Velocity Member Terms and Conditions, Air New Zealand Airpoints terms & conditions, Asia Miles Terms and Conditions, and KrisFlyer Terms and Conditions. Business Reward Points are subject to ANZ Business Rewards Program Terms and Conditions (PDF).
ReturnStandard variable interest rate as at and is subject to change.
ReturnThe Annual Fee is current as at today’s date and is subject to change. Please refer to the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) for details about all applicable fees and charges.
ReturnThe Rewards Fee is current as at today’s date and is subject to change. Please refer to the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and ANZ Commercial Card (ANZ Business One) Fees and Charges (PDF) for details about all applicable fees and charges.
ReturnTerms and Conditions apply to use of the ANZ Global Business Concierge. Visit ANZ Global Business Concierge Terms and Conditions (PDF) to view the full terms.
Return