- 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
- Up to 55 days interest free on purchases
- ANZ Global Business Concierge service for 24/7
- Complimentary overseas travel and medical insurance
- Cardholder spend controls
- Data feeds to accounting software
- Unauthorised Transactions Insurance
- Cardholder Transit Accident Insurance
Pros
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
Up to 55 days interest free on purchases
ANZ Global Business Concierge service for 24/7
Complimentary overseas travel and medical insurance
Cardholder spend controls
Data feeds to accounting software
Unauthorised Transactions Insurance
Cardholder Transit Accident Insurance
Cons
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
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 20.24% p.a. |
| Cash advance rate | 21.74% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $10,000 |
| Maximum credit limit | N/A |
| Fees & repayments | |
| Annual fee | $300 p.a. |
| Additional cardholder fee | $0 - $75 p.a. rewards fee each |
| Cash advance fee | 2% |
| Foreign transaction fee | 2.5% |
| Minimum repayment | 2% |
| Late payment fee | $35 |
| Credit card type | Visa |
| Rewards program | |
| Rewards program |  ANZ Rewards |
| Annual points cap | uncapped |
| Bonus points spend criteria | N/A |
| Earning points with this card | |
| ANZ points | 1.5 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | Capped at $10,000, then 1 Point per $1 spent |
| Complimentary insurance | |
| Overseas travel insurance | yes - up to months |
| Flight inconvenience insurance | No |
| Transport accident cover | Yes |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| Unauthorised Transactions Insurance |
ANZ Business Black Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.
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 overseas travel and medical 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.
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ANZ Business Black Credit Card
ANZ Business Black can take your business places with a host of premium features, including uncapped rewards, exclusive benefits for travel and tools to manage your business expenses. Earn more Reward Points to redeem for great range of rewards, including Qantas Frequent Flyer, Velocity 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 overseas travel and medical insurance.
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 overseas travel and medical insurance
- Cardholder spend controls
- Data feeds to accounting software
- Unauthorised Transactions Insurance
- Cardholder Transit Accident Insurance
- Up to 55 days interest free credit on purchases
- Be over 18 years old
- Good credit and 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
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