skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ Business Black


Save $300 with no Annual Card Feedisclaimerand 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 30 September 2021.


Request a call back

Outstanding Value Business Credit Card, 2018, 2019, 2020

We’re proud that ANZ Business Black has been recognised as Canstar’s Outstanding Value Business Credit Card in the $120k annual spend category for three years running.



Have a chat about this offer

Earn our highest and uncapped rewardsdisclaimer

Stay focused on business while you earn extra points. Enjoy the benefits of a credit card that gives you our highest earn rate of Reward Points and uncapped rewards.disclaimer

Great Rewards options

Once you start earning Reward Points, choose from hundreds of ANZ Rewards including entertainment, gift cards, shopping vouchers, merchandise and much more. 

With the exclusive Rewards Your Way - Personal Shopper Service, Business Black customers can work with our sourcing experts to redeem Reward Points for almost any business purchase.disclaimer


Complimentary Insurancedisclaimer

Complimentary Unauthorised Transactions Insurance,disclaimerInternational Travel Insurance and Transit Accident Insurancedisclaimer for overseas travel.

Take your business places, with an ANZ Business Black credit card.

Here are the important numbers, up frontdisclaimer

Eligible purchases

1.5 Reward Points
per $1 spent on eligible purchasesdisclaimer up to and including $10,000 per statement period

1.0 Reward Point
per $1 spent on eligible purchasesdisclaimer above $10,000 per statement period

Taxation payments

0.5 Reward Pointsdisclaimer
per $1 spent, uncapped

Interest rate on purchases


Interest rate on cash advances


ANZ Black The Important Numbers

Annual Card Fee


Annual Additional Cardholder Fee


Rewards Fee

$75 per card per year

Interest free days on purchases

Up to 55 daysdisclaimer

Minimum credit limit


Maximum number of cards



Get on top with the right card that offers great benefits suited to running your business.



ANZ Global Business Conciergedisclaimer

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

Protect your business

  • Unauthorised Transactions Insurancedisclaimerprotects 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


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

See more choices and compare our business credit cards side-by-side.

Get on top of business with these offers from VISA

Gain access to a range of offers that could help run your business, with your ANZ Business Visa card. 

Offers range from saving 10% on Office 365 Business Premium to a complimentary drink on arrival at some of the world’s top dining destinations. With a range of leading business applications, services and entertainment options, there's something to suit every business.

Learn more >


Take the next steps here.



Want to get the ball rolling?

Request a call back

Get in touch

1800 362 579  

Mon-Fri 8am to 8pm (AEST)

Need help with your ANZ business cards?

Head to Help & Support



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.

All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply.

ANZ Commercial Card Terms and Conditions (PDF 1.5MB) and ANZ Commercial Cards Fees and Charges (PDF 84kB) apply.

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 30 September 2021.  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.


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 30 September 2021.  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.


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.


You will be advised of the Rewards Point price of your reward at the time of request. ANZ may decline any request that contravenes a law, sanction, regulatory requirement or moral or ethical standards.


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.


For all applicable fees & charges please see the ANZ Commercial Cards Fees and Charges (PDF 84kB).


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


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).


Terms and Conditions apply to use of the ANZ Global Business Concierge. Visit ANZ Global Business Concierge Terms and Conditions (PDF 451kB)  to view the full terms.