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ANZ Business Low Rate

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 31 December 2021.

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Our lowest ongoing interest rate on purchases

Our lowest annual fee

Protect your business against card misuse

Take advantage of our lowest interest rate and annual fee with ANZ Business Low Rate.

Get the important numbers heredisclaimer


ANZ Business 5 Low Rates The Important Numbers

Interest rate on purchases


Interest rate on cash advances


Interest free days on purchases

0 days

ANZ Business Low Rate The Important Numbers

Annual Card Fee


Annual Additional Cardholder Fee


Minimum credit limit


Maximum number of cards 


Low rate, low fee benefits for your business

Get the card with our lowest ongoing interest rate on business purchases, as well as our lowest annual fee


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.


  • 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.

Transit Accident Insurance

Transit Accident Insurancedisclaimercovers eligible cardholders and their spouses and dependant children with the cardholder for certain injuries and loss of life sustained on a trip, the full cost of which was purchased with the cardholder’s card.

Get a clear view of which card can work best for your business. 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 >

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Let's get the ball rolling. 

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1800 032 481  

Mon-Fri 8am to 8pm (AEST)



Need help with your ANZ business cards?

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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 conditionsFees and charges and eligibility criteria 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 Low Rate account which is approved by ANZ by 31 December 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 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.


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.


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


Unauthorised Transactions Insurance and Transit Accident Insurance 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) which may be amended from time to time. 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.