ANZ
ANZ

ANZ Business Rewards Options

Purchase Rate
20.24% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 40 days
Annual Fee
$200.00
  • Save $200 with no Annual Card FeeSuperscript:1 and $75 per card with no Rewards FeeSuperscript:2 for the first year on a new ANZ Business Rewards Options credit card. Applications must be submitted and approved by 31 December 2021.
  • Up to 40 days interest free credit on purchases.
  • Interest rate on purchases currently 20.24% p.a.
  • Interest rate on cash advances currently 21.74% p.a.
  • One monthly statement that summarises all fees, charges, payments and conveniently sorts transactions by cardholder with GST estimation.
  • View balances, transfer money and make payments simply and easily with the ANZ App.

Key Features
Rewards Program
Rewards
Joining Fee
$75.00
Annual Fee
$200.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Earn one ANZ reward point for every $1 you spend on purchases.
  • Your ANZ Business Rewards Options provides you with a range of rewards to redeem using your Rewards Points.
  • Shopping rewards, including Gift Cards and vouchers from a range of leading retailers
  • ANZ Cashback and ANZ Visa Gift Cards.
  • Frequent flyer points - members of the Qantas Frequent Flyer, Air New Zealand Airpoints, Cathay Pacific Asia Miles or Singapore Kris Flyer frequent flyer program can redeem rewards points for frequent flyer points in those programs.

Fee & Repayments

Annual Fee $200.00
Annual Fee First Year $200.00
Rewards Joining Fee $75.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.00% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $35.00

Rewards Program

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* -
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

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
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 104kB) before acquiring the product. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply. ANZ Commercial Card Terms and Conditions (PDF 1.5MB) and ANZ Commercial Cards Fees and Charges (PDF 84kB) apply. 1. The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business Rewards Options account which is approved by ANZ by 31 December 2021. The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Rewards Options account. In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business Rewards Options account. The Annual Card Fee is currently $200 per annum but is subject to change. Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application. 2. The Rewards Fee will be waived in the first year for each Commercial Card issued on a new ANZ Business Rewards Options account for which an application is submitted by the customer and approved by ANZ by 31 December 2021. The Rewards Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Rewards Options account. In each subsequent year, the Rewards Fee will be charged, on a per card basis, yearly in advance at the same time as the Annual Card Fee. The Rewards Fee is currently $75 per annum for each Commercial Card but is subject to change. Subject to change or withdrawal at any time without prior notice if you have not yet submitted an application. 3. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions (PDF 318kB). 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. 4. 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 456kB). 5. Unauthorised Transactions Insurance and Transit Accident Insurance 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 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 third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Cards Terms and Conditions (PDF 456kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 6. For all applicable fees & charges please see the ANZ Commercial Cards Fees and Charges (PDF 84kB). 7. Standard variable interest rate as at Friday, 22 September 2017 and is subject to change. 8. Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

* 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).

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