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ANZ Business Black ($0 Annual Card Fee and $0
Rewards Fee for the first year.)

ANZ Business Black ($0 Annual Card Fee and $0
Rewards Fee for the first year.)

Purchase Rate
20.24 %
p.a.




Cash Advance Rate 21.74% p.a.
Interest Free Up to 55 days
Annual Fee$300

  • Special Offer: $0 Annual Card Fee and $0 Rewards Fee for the first year.
  • ANZ Business Black can take your business places with premium rewards and travel benefits.
  • Redeem for a great range of rewards, including Qantas Frequent Flyer, Velocity, gift cards, cash back and more.
  • Up to 55 days interest free credit on purchases.
  • Apple Pay®, Android Pay™ and ANZ Mobile Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • 1.5 Reward Points for every $1 spent on eligible purchases up to and including $10,000 per statement period, and 1 Reward Point for every $1 spent thereafter (excluding taxation payments)
Rewards Points per Dollar 1 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $79175

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines Qantas, Velocity, Air New Zealand, Cathay Pacific and Singapore Kris Flyer
Conditions ANZ Commercial Card Terms and Conditions, ANZ Commercial Cards Fees and Charges, ANZ Business Rewards Program Terms and Conditions.

Annual Fee $300 Minimum Repayment Greater of 1.50% or $1.50
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee $75 Late Payment Fee $35
Supplementary Card Fee $0    
Duplicate Statement Fee $0 Overseas ATM Balance Fee
Transaction Verification Fee Overseas ATM Withdrawal Fee
Over Limit Fee $50 Overseas Emergency Card Replacement Fee

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Eligibility criteria, T&Cs, fees and charges apply. Offer for applications received before 31 December 2017 1. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 133kB). Eligible purchases exclude interest, government charges, fees, balance transfers and cash and cash equivalent transactions. Taxation payments include all payments to the Australian Taxation Office and other taxation bodies. 2. You must be a member of the Qantas Frequent Flyer Program to redeem Reward Points for Qantas Points. Membership of the Qantas Frequent Flyer program is subject to the Rules and Terms and Conditions of the Qantas Frequent Flyer Program. A joining fee applies. 3. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. 4. Terms and Conditions apply to use of the ANZ Global Business Concierge. Visit ANZ Global Business Concierge Terms and Conditions (PDF 89kB)  to view the full terms. 5. 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 675kB)  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). 6. 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.  7. Subject to Image Guidelines and Terms and Conditions. 8. Standard variable interest rate is 20.24% p.a. on purchases and 21.74% p.a. on cash advances as at Saturday, 2 September 2017 and is subject to change. ™ANZ Falcon is a trade mark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Terms and conditions apply to the use of ANZ Apple Pay. Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Terms and conditions apply to the use of ANZ Mobile Pay (PDF 124kB). Terms and conditions (PDF 216kB) apply to the use of Android Pay. Android, Android Pay and the Android Logo are trademarks of Google Inc. 9. 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.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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