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Product info

Get uncapped rewardsdisclaimer  at our highest earn rate, plus complimentary insurancesdisclaimer

OFFER

Save $300 with no Annual Card Feedisclaimer and save $75 per card with no Rewards Feedisclaimer for the first year on a new ANZ Business Black credit card. Applications must be submitted and approved by 15 December 2020.

Make running your business more rewarding with travel, entertainment and giftdisclaimer

OFFER

Save $200 with no Annual Card Feedisclaimer and save $75 per card with no Rewards Feedisclaimer for the first year on a new ANZ Business Rewards Options credit card. Applications must be submitted and approved by 15 December 2020.

Improve cash flow to ensure cash comes in before it goes out.

OFFER

Save $150 with no Annual Card Feedisclaimer for the first year on a new ANZ Business 55 Interest Free Days credit card. Applications must be submitted and approved by 15 December 2020.

Keep costs under control with our lowest interest rate on purchases and our lowest annual fee.

OFFER

Save $100 with no Annual Card Feedisclaimer for the first year on a new ANZ Business Low Rate credit card. Applications must be submitted and approved by 15 December 2020.

Important numbers

Annual account fee

$300 

$200  

$150  

$100

Interest rates on purchases
Interest rates on cash advances
Interest free days on purchases

Up to 55 daysdisclaimer

Up to 40 days disclaimer

Up to 55 days disclaimer

0 daysdisclaimer

Annual additional cardholder fee

$0 

$0  

$0  

$0  

Rewards Fee

$75  per card per year

$75  per card per year

N/A

N/A

Minimum credit limit

$10,000  

$1,000  

$1,000  

$1,000  

Rewards

Uncapped Reward Points
Uncapped pointsdisclaimer
Uncapped pointsdisclaimer

N/A

N/A

Reward Points per $1 spend on eligible purchases

1.5 Reward Pointsdisclaimer up to and including $10,000 per statement period

1.0 Reward Pointdisclaimer above $10,000 per statement period

1 Reward Point for every $1 you spend on eligible purchasesdisclaimer

N/A

N/A

Reward Points per $1 spend on eligible taxation payments

0.5 points

0.5 points

N/A

N/A

Flexible rewards options

Qantas Frequent Flyer, Velocity, gift cards, cash and more.

Qantas Frequent Flyer, Velocity, gift cards, cash and more.

N/A

N/A

Complimentary insurance (eligibility criteria apply)

Transit Accident Insurance
Unauthorised Transactions Insurance
International Travel Insurance

N/A

N/A

N/A

Benefits

Data feeds to accounting software packages
  •  
  •  
  •  
  •  
Global Business Concierge
  •  

N/A

N/A

N/A

Exclusive benefits
  •  

N/A

N/A

N/A

Extra online security
  • Verified by Visa
  • Verified by Visa
  • Verified by Visa
  • Verified by Visa

 

Ways to bank across our credit cards 

  • ANZ Branches
  • ANZ ATMs and EFTPOS
  • eStatements (Optional)

 

  • ANZ Falcon™
  • Worldwide emergency credit card replacement

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 104kB) before acquiring the product.

This page contains only general information which is subject to change and is not a substitute for commercial judgement or professional advice. This information does not take into account your personal and financial needs, particular objectives and/or circumstances, and you should seek appropriate independent advice (which may include property, legal, financial, taxation and accounting advice) before making any decisions, investing, or acting on it.

Tools, templates, checklists, and calculators (“ANZ Tools”) linked or referred to on this page, are only some of many ways to analyse a business or industry, or to assist your planning and business decision making. You should seek the assistance of your accountant, business or other advisor when either planning for or analysing your business.

To the extent permitted by law, all members of the ANZ group of companies, their employees, officers and contractors (“ANZ“), offer no warranty and disclaim liability or responsibility to any person for any actions, claims, costs, demands, liability, or direct or indirect losses or damage that may result from using or relying on the information set out in the anz.com pages or the ANZ Tools, and / or any act, omission or error, by any person in relation to them.  To the extent permitted by law, ANZ makes no warranty and has no liability in respect of your use and reliance. ANZ Tools are also subject in many cases to further specific cautionary wording and disclaimers which you should read.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 318kB). Eligible purchases exclude interest, government charges (apart from taxation payments), fees, balance transfers and cash and cash equivalent transactions. Taxation payments include all payments to the Australian Taxation Office and other taxation bodies.

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Complimentary 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 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 third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Cards Terms and Conditions (PDF 456kB) and the ANZ Business Black Travel Insurance Policy Information Booklet (PDF317kB) 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 objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business Black account which is approved by ANZ by 15 December 2020.  The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Black account.  In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business Black account. The Annual Card Fee is currently $300 per annum but is subject to change.  Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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The Rewards Fee will be waived in the first year for each Commercial Card opened on a new ANZ Business Black account for which an application is submitted by the customer and approved by ANZ by 15 December 2020.  The Rewards Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Black account.  In each subsequent year, the Rewards Fee will be charged, on a per card basis, yearly in advance at the same time as the Annual Card Fee.  The Rewards Fee is currently $75 per annum for each Commercial Card but is subject to change. Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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Standard variable interest rate as at Friday, 22 September 2017 and is subject to change.

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Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card Terms and Conditions (PDF 456kB).

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 318kB). Eligible purchases exclude interest, government charges (apart from taxation payments), fees, balance transfers and cash and cash equivalent transactions. Taxation payments include all payments to the Australian Taxation Office and other taxation bodies.

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The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business Rewards Options account which is approved by ANZ by 15 December 2020.  The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Rewards Options account.  In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business Rewards Options account. The Annual Card Fee is currently $200 per annum but is subject to change.  Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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The Rewards Fee will be waived in the first year for each Commercial Card issued on a new ANZ Business Rewards Options account for which an application is submitted by the customer and approved by ANZ by 15 December 2020.  The Rewards Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Rewards Options account.  In each subsequent year, the Rewards Fee will be charged, on a per card basis, yearly in advance at the same time as the Annual Card Fee.  The Rewards Fee is currently $75 per annum for each Commercial Card but is subject to change.  Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business 55 Interest Free Days account which is approved by ANZ by 15 December 2020.  The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business 55 Interest Free Days account.  In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business 55 Days Interest Free account. The Annual Card Fee is currently $150 per annum but is subject to change. Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business Low Rate account which is approved by ANZ by 15 December 2020. The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Low Rate account. In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business Low Rate account. The Annual Card Fee is currently $100 per annum but is subject to change. Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.

Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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