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ANZ Business Black

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

Apply nowView rates & fees

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

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

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 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.

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. Not available where you currently hold an ANZ Frequent Flyer, ANZ Frequent Flyer Gold, ANZ Frequent Flyer Platinum or ANZ Frequent Flyer Black credit card, or have closed, or qualified for bonus Qantas Points or a credit back on, any of those ANZ Frequent Flyer credit cards within the previous 12 months. Your application must be approved and you must activate the card and make one eligible purchase within 3 months of approval to receive the bonus Qantas Points and to have the $150 credited to your account. Transactions which do not qualify as a purchase are described in the ANZ Credit Cards Conditions of Use (PDF 468kB), for example fees, cash, cash equivalent transactions, balance transfers and transactions for gambling or gaming will not qualify. The bonus Qantas Points will be credited to your Qantas account, and the $150 will be credited to your credit card account within 3 months of your first eligible purchase. The $150 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ Frequent Flyer Platinum credit card account before the $150 credit and bonus Qantas Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $150 and bonus Qantas Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. 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.

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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.

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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).

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Unauthorised Transactions Insurance, Transit Accident Insurance and Overseas Travel and Medical 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). 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).

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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.

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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.

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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 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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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 anz.com/mobilepayments.

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

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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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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. 

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