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ANZ Business Black

Looking for a credit card that earns Business Reward Points and has up to 55 interest free days on purchases? 

You’ve found it with Business Black.

Plus, you could also:

Earn 100,000 extra Reward Points

when you spend $6,000 on eligible purchases in the first 3 months from approval of your new card.disclaimer

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 an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card).

Get your new ANZ Business Black card

Enjoy these benefits

Enjoy uncapped Reward Points

  • Earn 1.5 Reward Points for every $1 up to and including $10,000*
  • Earn 1.0 Reward Point for every $1 over $10,000*, uncapped

*per statement period, eligible purchases onlydisclaimer

Great Rewards options

Once you start earning Reward Points, redeem your Points for a range of Rewards options like gift cards and cashback.

Manage cash flow

Up to 55 interest free days on your purchasesdisclaimer and reduce your paperwork with one monthly statement summarising all transactions.

Complimentary travel insurance

Complimentary Domestic Travel Insurancedisclaimer and International Travel Insurance.disclaimer

What could 100,000 ANZ Business Reward Points get you?disclaimer

You could redeem them for one of the following:

 

Minimum $400 digital gift card

to use at 37 selected leading retailers, including JB Hi-Fi, Woolworths, Myer and Bunnings.

 

$400 ANZ Cashback

which can be used to reduce your ANZ Business Black credit card balance.disclaimer

 

Airline partner points

to redeem as 50,000 Velocity Frequent Flyer Points, 500 Airpoints Dollars, 33,000 Asia Miles, 33,000 Singapore Airlines KrisFlyer miles.disclaimer

Important rates and fees

Eligible purchases

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

Annual Fee

$300disclaimer


 


Annual Additional Cardholder Fee

N/A

Rewards Fee

$75 per card per yeardisclaimer


 


Interest free days on purchases

Up to 55 daysdisclaimer

Minimum credit limit

$5,000

Maximum number of cards

Unlimited

 

Get on top with the right card for your business

Keep track of business expenses

  • You'll receive simple monthly statements with transactions sorted by cardholder 
  • Simplify your bookwork with handy data feeds to Xero™, MYOB®, Intuit QuickBooks® Online and many more accounting software providers
  • Find out more about how you can get on top of cash flow with your business card

Protect your business

  • Unauthorised Transaction Insurance disclaimer insures 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
  • Set monthly spend caps, transaction limits and merchant category controls for each cardholder

 

ANZ Global Business Concierge disclaimer

24/7 access in 12 languages to: 

  • Travel and destination information on where to entertain clients and staff
  • Priority bookings for dining experiences
  • Priority access and discounted tickets for trade shows, sporting and special events

 

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

Banker-assisted 

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

Assortment of cards illustration

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 362 579

   

Already a customer?

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 Black account. ANZ may terminate or withdraw this offer at any time without prior notice. This offer applies only once per new ANZ Business Black account. Offer is not available when transferring from an existing ANZ Business credit card account and/or adding additional account to an existing ANZ Business credit card contract. You are not eligible for this offer if you currently hold or have held an ANZ Qantas Business Rewards and/or ANZ Business Black account in the last 12 months. Your application must be approved, and you must activate your ANZ Business Black account and make $6,000 worth of eligible purchases within 3 months of approval to receive the 100,000 extra Reward Points. Eligible purchases means purchases which are eligible to earn Reward Points. Certain transactions and other items are not eligible to earn Reward Points. For details refer to the ANZ Business Rewards Program Terms and Conditions (PDF). The 100,000 extra Reward Points will be credited to the Principal/Rewards Administrator within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Business Black account before the extra Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the 100,000 extra Reward points are processed to your account, you will be ineligible for this offer until any overdue amount and amounts shown on your statement as being payable immediately have been paid.

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Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF). Certain transactions and other items are not eligible to earn Reward Points. For details refer to the Business Rewards Program Terms and Conditions (PDF).

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Interest free days do not apply if you do not pay your Closing Balance in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF).

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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 a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the ANZ Commercial Card (ANZ Business One) Terms and Conditions (PDF) and the ANZ Business Black and ANZ Qantas Business Rewards Complimentary Travel Insurance Policy Information Booklet (PDF) as applicable 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 objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

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Conversion calculations correct as at 25 March 2024. Conversion rates subject to change. Please refer to ANZ Business Rewards for details of current rates.

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ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Business Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Business Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Business Black Credit Card balance within 2 business days. Minimum Redemption thresholds apply.

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Minimum Redemption thresholds apply. To redeem ANZ Business Reward Points for Frequent Flyer Points, Velocity Points, Airpoints or Airmiles, you must be a member of the relevant program and an ANZ Business Rewards Account Holder. Refer to the relevant program terms and conditions for details: Qantas Frequent Flyer Program Terms and Conditions, Velocity Member Terms and Conditions, Air New Zealand Airpoints terms & conditions, Asia Miles Terms and Conditions, and KrisFlyer Terms and Conditions. Business Reward Points are subject to ANZ Business Rewards Program Terms and Conditions (PDF).

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

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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.

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The Rewards 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.

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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) to view the full terms.

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