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ANZ Business Low Rate

Help keep your business costs under control with a low interest rate.

Apply nowView rates & fees

A credit card with a low ongoing interest rate

Our lowest ongoing interest rate on purchases

Our lowest annual fee

Protect your business against card misuse with complimentary Unauthorised Transactions Insurancedisclaimer

The important numbersdisclaimer

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


Benefits for your business

Control your business costs

Get our lowest ongoing interest rate on purchases as well as our lowest annual fee to help with business expenses.

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 period.disclaimer

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.

Control cardholder spending

You can set monthly spend caps, transaction limits and merchant category controls for each cardholder.


  • 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

Transit Accident Insurancedisclaimer covers certain injuries and loss of life sustained on a trip purchased with your card.

Complimentary insurance provider changed from QBE to Allianz

Effective 11 April 2018, the insurer of your ANZ Business Credit Cards Complimentary Insurance changed from QBE Insurance to Allianz.

Learn more


Ways to bank

Get a side-by-side comparison of our business credit cards.  Learn more

Ready for a low interest rate?

1800 032 481

Mon-Fri 8am to 8pm (AEST)

Need help with your existing account?   1800 032 481



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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.

Design your own ANZ business credit card

ANZ Design My Card is a fun way to personalise your ANZ business credit card with an image of your choice at no extra cost.

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 104kB) 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.

The Unauthorised Transactions Insurance and Transit Accident Insurance are part of a group policy issued by Allianz Australia Insurance Limited ABN 15 000 122 850 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).

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

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

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

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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

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

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