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

ANZ Business Black

Take your business places with uncapped rewards plus exclusive benefits including overseas travel and medical insurance.

Apply nowView rates & fees

$0 Annual Card Fee and $0 Rewards Fee for the first yeardisclaimer

Our highest Reward Points earning potential, uncapped flexible rewards plus overseas travel and medical insurance

Get our highest Reward Points earn rate on eligible purchasesdisclaimer and redeem for a great range of rewards

Up to 55 days interest-freedisclaimer credit on purchases to improve your cashflow

Get complimentary overseas travel and medical insurancedisclaimer and ANZ Global Business Concierge servicedisclaimer

Be rewarded with our highest earn rate

Lots of ways to earn Reward Points

You could earndisclaimer:

  • 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period
  • 1.0 Reward Point per $1 spent on eligible purchases above $10,000 per statement period

Choose from a great range of rewards

Once you start earning Reward Points, choose from hundreds of ANZ Rewards including travel options, entertainment, gift cards, shopping vouchers, merchandise and much more. You can redeem online or by calling 1300 361 657

You can even request any reward you like and our experts will source it for you.disclaimer

You're covered when you travel

Get Overseas Travel and Medical Insurance with cover for emergency medical and dental expenses, cancellation and additional expenses, loss or damage to personal and business items, rental vehicle excess and more.disclaimer

Exclusive travel benefits and peace of mind when you do business

ANZ Global Business Concierge servicedisclaimer

Get 24/7 access in 12 languages to: 

  • Travel advice, destination information and advice 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 against card misuse

  • Unauthorised Transactions Insurance protects your business against fraudulent misuse for up to $37,500 per cardholder and $200,000 maximum for the total account, in any 12 month perioddisclaimer
  • You can 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 accounting processes with data feeds to Xero™, MYOB®, Intuit QuickBooks® Online and many others.

Other benefits for you and your business

Security

  • 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

Complimentary transit accident insurance

Cardholder Transit Accident Insurance pays up to $250,000 to the cardholder, their spouse and/or dependent children in the case of a covered accident occurring during a journey purchased with the card.disclaimer

The important numbersdisclaimer

Eligible purchases in Australia

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

disclaimer

Interest rate on cash advances

disclaimer

ANZ Black The Important Numbers

Annual Card Fee

$300

Annual Additional Cardholder Fee

$0

Rewards Fee

$75 per card per year

Interest free days on purchases

Up to 55 daysdisclaimer

Minimum credit limit

$10,000

Ready to earn more Reward Points?

1800 362 579

Mon-Fri 8am to 8pm (AEST) 


Need help with your existing account?   1800 362 579

 

 

You may also be interested in

Compare our business credit cards

Get a side-by-side comparison of our business credit cards, whether you need a low interest rate, more interest-free days or rewards.

Manage your card

Need some assistance with your ANZ business credit card? Go to our Help & Support section.

Need a corporate card instead?

We offer a range of corporate credit and purchasing cards to help you manage business expenses and purchases.

Any advice does not take into account your personal needs and financial circumstances 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 334kB) before acquiring the product.

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

ANZ Commercial Card Terms and Conditions (PDF 800kB) and ANZ Commercial Cards Fees and Charges (PDF 84kB) apply.

ANZ goMoney is provided by and is a trademark of ANZ.

Offer available to new and approved applicants who apply for an ANZ Frequent Flyer Platinum credit card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card or where you currently hold or have closed an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card within the previous twelve months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $2,500 worth of eligible purchases within three months of approval to receive the bonus Qantas Points. Eligible Purchase means purchases which are eligible to earn Points. Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions (PDF 1.67MB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Points. The bonus Qantas Points will be credited to your Qantas account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the introductory bonus Qantas Points are processed to your account, you may become ineligible for these bonus Qantas Points. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card. The Total Annual Fee, and any Additional Cardholder Fees and Rewards Program Services Fees applicable to additional cardholders on the account, will be waived for the first year. After the first year for ANZ Frequent Flyer Platinum, a Total Annual Fee of $295 applies which includes a $240 Annual Account Fee and a $55 Rewards Program Services Fee, for additional cardholders an Additional Cardholder Fee of $10 and Rewards Program Services Fee of $55 will apply per additional cardholder on the account. These fees are current as  and are subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account.

Back to top

The $0 Annual Card Fee offer is for customers whose new account opened between 18/09/2017 and 31/12/2017 and is applicable for 12 months subsequent to the account being opened. The $0 Rewards Fee offer is for customers who opened a new ANZ Business Black and ANZ Rewards Options account between 18/09/2017 and 31/12/2017 and is applicable for 12 months subsequent to the account being opened. These fees will be charged on the first anniversary of account opening. 

Back to top

Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 235kB). 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.

Back to top

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 675kB).

Back to top

Unauthorised Transactions Insurance, Transit Accident Insurance and Overseas Travel and Medical Insurance are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to ANZ. Access to the benefit of cover is provided to eligible cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply which may be amended from time to time. Full terms for Unauthorised Transactions and Insurance are contained in the ANZ Commercial Cards Terms and Conditions (PDF 800kB)  and full terms for Overseas Travel and Medical Insurance are contained in the ANZ Business Black Overseas Travel and Medical Insurance Policy Information Booklet (PDF 213kB).

Back to top

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.

Back to top

You will be advised of the Reward 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.

Back to top

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

Back to top

The Unauthorised Transactions Insurance and Transit Accident Insurance are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 to ANZ. Access to the benefit of cover is provided to eligible cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). The terms, conditions and exclusions apply which may be amended from time to time. The Terms and Conditions are contained within the ANZ Commercial Cards Terms and Conditions booklet (PDF 348kB).

Back to top

ANZ goMoney for Android™ is only available in Google Play™. ANZ goMoney for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

Back to top

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. 

Terms and conditions apply to the use of Android Pay.

Terms and conditions apply to the use of Samsung Pay.

Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android, Android Pay and the Android Logo are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Back to top

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

Back to top

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

Back to top

Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 235kB). 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. 

Back to top