ANZ Business Black

Purchase Rate
20.24% p.a.
Cash Advance Rate
21.74% p.a.
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Interest Free
Up to 55 days
Annual Fee
  • 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, gift cards, cash back and more.
  • Up to 55 days interest free credit on purchases.
  • 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

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)

Fee & Repayments

Annual Fee $300.00
Annual Fee First Year $300.00
Rewards Joining Fee $75.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 1.50% or $1.50
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*
Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines Qantas, 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.

Other Charges

Duplicate Statement Fee $0.00
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
Eligibility criteria, Terms and Conditions, fees and charges apply. 1. 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. 2. 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). 3. 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). 4. 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. 5. 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. 6. Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud. 7. 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. 8. Mobile payments available on compatible devices and eligible ANZ cards. View the full list at ™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 Google Pay. Android, Google Pay and the Android Logo are trademarks of Google Inc.

* 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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