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ANZ Business Black Credit Card
ANZ Business Black Credit Card

ANZ Credit Cards

ANZ Business Black Credit Card

Updated 5 August 2020

ANZ Business Black can take your business places with a host of premium features, including uncapped rewards3, benefits for travel and tools to manage your business expenses. Earn Reward Points to redeem for great range of rewards, including Qantas Frequent Flyer, gift cards, cash back and more. Enjoy ANZ Global Business Concierge service for 24/7 booking support for business travel, entertainment and trade shows around the globe. The card comes with complimentary international travel insurance.

Points Earn Rate (per $1 spent)

1.5 points

Capped at $10,000, then 1 Point per $1 spent

Rewards Program

ANZ Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 1.5 ANZ Reward Points for every $1 you spend on eligible purchases (excluding taxation payments) up to and including $10,000 in the statement period3
  • Up to 55 days interest free on purchases2
  • 24/7 access to ANZ Global Business Concierge
  • Complimentary International Travel Insurance
  • Cardholder spend controls
  • Data feeds to accounting software
  • Unauthorised Transaction Insurance protects your business against unauthorised card use for up to $37,500 per cardholder and $200,000 per claims in any consecutive twelve month period of cover.1
  • Transit Accident Insurance covers eligible cardholders and their spouses and dependant children with the cardholder for certain injuries and loss of life sustained on a trip, the full cost of which was purchased with the cardholder’s card.1

  • Points earn reduced after $10,000 spend per statement period to 1 ANZ Reward Point for every $1 you spend on eligible purchases (excluding taxation payments)
  • $300 annual card fee

Creditcard.com.au review

Editor Review

ANZ Business Black Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The ANZ Business Black Credit Card

Offering outstanding points earning potential and an array of premium features and business tools, the ANZ Business Black card could be just the card your business needs to make the most of your business spending.

If you think your business could benefit from having the ANZ Business Black card in its collective wallet, let’s look a little closer to see whether this shiny black card truly has what it takes.

What we love...

One of the first things to think about when comparing business credit cards is how much the card will cost month-to-month, weighed against what it provides in return.

As for what you will get in return in rewards, the ANZ Business Black card provides ANZ’s highest Reward Points earning potential. These points can be redeemed within the ANZ Rewards range, allowing you to choose from a wide selection of travel options, entertainment, gift cards, shopping vouchers, merchandise and more.

And that earn rate? You can earn 1.5 Reward Points per $1 spent on eligible purchases up to $10,000 per statement period, then 1 Reward Point per $1 spent thereafter. The card also offers 0.5 Reward Points per $1 spent on taxation payments, uncapped.

What’s not so great...

For all those rewards and features (which we’ll talk more about shortly), you can expect to pay a significant annual fee of $300. And while additional cardholders are charged no annual fee, each card on the account will attract a $75 rewards fee per year.

It’s also worth taking note of the card’s purchase rate and cash advance rate, as these are relatively high. To make the most of the card’s offerings, try to avoid interest payments by paying off the balance month-to-month, and then work out whether you are getting more from the card than you are paying out each year in fees.

Why should you choose this card?

As a rewards card, there is certainly a lot to love about the ANZ Business Black card. However, it also provides plenty of other perks and extras to enjoy as well.

As a cardholder, you can benefit from complimentary international travel insurance, up to 55 days interest free on purchases, and the ANZ Global Business Concierge service, which offers 24/7 booking support for business travel, entertainment and trade shows around the world.

Business tools are also provided, which include unauthorised transactions insurance, business expense tracking with data feeds to popular accounting software packages, and monthly spending caps, transaction limits and merchant category controls for each cardholder.

Overall Rating

A premium business rewards card offering excellent features and business tools, as well as superb points earning potential on the ANZ Rewards Program.

User reviews

ANZ Business Black Credit Card ( based on 1 Creditcard.com.au user review )

65% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 21.74% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $10,000

Maximum credit limit N/A

Fees & repayments

Annual fee $300 p.a.

Additional card holder fee Rewards fee $75 p.a. per card

Foreign transaction fee 2.5%

Minimum repayment 2% or $10 - whichever is greater

Cash advance fee 2%

Late payment fee $35

Rewards and points

Rewards program

Rewards Program ANZ Rewards ANZ Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

ANZ Rewards points 1.5 points per $1 spent

Points cap per month Capped at $10,000, then 1 Point per $1 spent

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Unauthorised Transactions Insurance1

Overview

ANZ Business Black Credit Card

Take your business places with the ANZ Business Black Credit Card offering uncapped rewards3 and benefits, including complimentary international travel insurance.

Terms & Conditions
Standard variable interest rate, fees and charges are subject to change. Visit anz.com for more information.
1. 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 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 and the ANZ Business Black Travel Insurance Policy Information Booklet 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 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.
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.
3. Reward Points and Bonus Reward Points accrue in accordance with the ANZ Business Rewards Program Terms and Conditions. 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.

Key features

  • Earn 1.5 ANZ Reward Points for every $1 you spend on eligible purchases (excluding taxation payments) up to and including $10,000 in the statement period.
  • 1 ANZ Reward Point for every $1 you spend on eligible purchases (excluding taxation payments) over $10,000 in the statement period.
  • 0.5 ANZ Reward Point for every $1 you spend on taxation payments, uncapped
  • ANZ Global Business Concierge service for 24/7
  • Complimentary International Travel Insurance
  • Cardholder spend controls
  • Data feeds to accounting software
  • Unauthorised Transaction Insurance protects your business against unauthorised card use for up to $37,500 per cardholder and $200,000 per claims in any consecutive twelve month period of cover.1
  • Transit Accident Insurance covers eligible cardholders and their spouses and dependant children with the cardholder for certain injuries and loss of life sustained on a trip, the full cost of which was purchased with the cardholder’s card.1
  • Up to 55 days interest free credit on purchases2

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

7 questions (showing the latest 10 Q&As)

Anthony

Anthony

2 March 2020
with Redeeming points with Qantas - can you use the points for Qantas partners such as Emirates flights?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 March 2020
    Hi Anthony, yes. You will still book using Qantas Frequent Flyer page. Though all partner airlines will be available. I regularly see Emirates come up when I am searching. Have a look at a full partner list - https://www.qantas.com/au/en/frequent-flyer/partners.html
Brooke

Brooke

11 November 2019
Hi I was wondering with the business black card, is there any airport lounge access included please? Thanks
Arthur

Arthur

10 December 2018
Are there any fees for international transaction while travelling in different countries.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2018
    Hi Arthur, the Foreign Transaction Fee is 3% on the ANZ business black credit card. I'm struggling to find a business credit card that has no international transaction fees. Overall this feature has massively decreased in the market. Very few consumer cards themselves now have this feature as well. On the ANZ side, have a look at the Rewards Travel Adventure Card. Its a personal card but has no foreign fees and no overseas cash advance fees. With good insurance and points earning, this is a great friend for traveling.
Adam

Adam

18 November 2018
Hi mate just wondering what type of travel insurance my anz business black card has ,as Me and my partner are traveling to England in January.
Janet

Janet

28 September 2018
Do the reward points convert to frequent flyer/other airline points 1:1? ie 1 frequent flyer point for every reward point?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 October 2018
    Hi Janet, the ANZ Business Black earns custom ANZ Rewards points. You can find out more about the program here - https://anzrewards.com/. Though for transfer values to airline programs. 1,500 per 1 Airport. 1,500 per 1 KrisFlyer. 1,500 per 1 Asia miles. This will give you an idea of the redemption. If you are looking for Qantas points (on a Visa) then I suggest the NAB Qantas Business Signature credit card.
Simone

Simone

30 April 2018
My husband and i have just strated a small automotive business. We need a credit card with a very small limit to buy parts for customers on. Aprox monthly spend is $1000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2018
    Hi Simone, this is possible though it can be difficult to get credit for new businesses. An option could be to just use a personal card for now and have the business pay the bill. If you are keen for a business card right now. Then you can simply apply online for what looks good. The ANZ Business Black has a minimum credit limit of $10,000. So I think this would be overkill. Speak to your everyday bank about a card they may be able to offer for the credit limit you desire.
Geoff

Geoff

28 November 2017
Does the travel insurance cover holiday travel not business travel?
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