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ANZ Business Low Rate

Our ANZ Business Low Rate credit card is as low as we go. It comes with our lowest ongoing interest rate on business purchases, as well as our lowest annual fee.

Plus, you’ll also save:

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$100 with no Annual Feedisclaimer for your first year.


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. 

How to apply

New Card. T&Cs, eligibility criteria, fees and charges apply (including a $100 Annual Fee after the first year).

Get your new ANZ Business Low Rate card

Enjoy these benefits


Low interest rate on purchases

Our lowest ongoing interest rate on purchases.


Card insurance

Protect your business against card misuse.


Low annual fee

Take advantage of our business credit card with the lowest Annual Fee.disclaimer


Important rates and fees

Interest rate on purchases


Interest rate on cash advances


Interest free days on purchases

0 days

Annual Fee

after your first year

Annual Additional Cardholder Fee


Minimum credit limit


Maximum number of cards



Explore other features

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Keep track of business expenses

You'll receive simple monthly statements with transactions sorted by cardholder. Simplify your accounting processes with data feeds to Xero™, MYOB®, Intuit QuickBooks® Online and many more accounting software providers.


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  • ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement.

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Protect your business

Unauthorised Transaction Insurancedisclaimerinsures 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.


Ways to apply 

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

Apply via ANZ GoBiz


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.

Request a call back

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Let us help you choose the right business credit card

Compare each card's benefits, rates and fees so you can find the right one for you and your business 

Compare all our credit cards

We're here to help

Call us

Mon-Fri 8am to 6pm (AEST)

1800 032 481


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We're here to help you with your ANZ business credit cards

Business credit card 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) 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 conditionsFees 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 Low Rate account. ANZ may terminate or withdraw this offer at any time without prior notice. The Annual Fee offer applies only once per new ANZ Business Low Rate account. Offer is not available when transferring from an existing ANZ Business credit card account. The Annual Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) in respect of the new ANZ Business Low Rate account. In subsequent years the Annual Fee (currently $100 but subject to change) will apply.


Standard variable interest rate as at  and is subject to change.


The 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.


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


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 (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 third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) 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.