ANZ Business Low Rate

Purchase Rate
12.99% p.a.
Cash Advance Rate
14.49% p.a.
Compare Now
Interest Free
Up to 0 days
Annual Fee
  • No annual fees with minimum annual account spend of $20,000.
  • Annual card fee of $100.
  • Interest rate on purchases currently 12.99% p.a.
  • Interest rate on cash advances currently 14.49% p.a.
  • Minimum credit limit $1,000.
  • View balances, transfer money and make payments simply and easily with the ANZ App.
  • Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $100.00
Annual Fee First Year $100.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.00% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $35.00

Other Charges

Duplicate Statement Fee $14.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $50.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Terms and conditions available on application. Fees and charges apply. All applications for credit are subject to ANZ's credit assessment criteria. 1. Standard variable interest rate is 12.99% p.a. on purchases and 14.49% p.a. on cash advances current as at Saturday, 2 September 2017 and is subject to change. 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 terms and conditions and the financial services guide before acquiring the product. 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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

* 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.