- Earn up to 150,000 extra Reward Points - 100,000 extra ANZ Business Reward Points when you spend $6k on eligible purchases in the first 3 months from approval plus an additional 50k extra Business Reward Points when you keep the card for over 15 months. Not available if you’ve held an ANZ Qantas Business Rewards or ANZ Business Black account in the last 12 months. New card. T&Cs, eligibility criteria, fees & charges apply.
- 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 44 days interest free on purchases
- 24/7 access to ANZ Global Business Concierge
- Complimentary Domestic and International Travel Insurance
- Cardholder spend controls
- Data feeds to accounting software
- Unauthorised Transaction Insurance
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ANZ Credit Cards
ANZ Business Black Credit Card
Updated 5 October 2026
Earn up to 150,000 extra ANZ Business Reward Points - 100,000 extra ANZ Business Reward Points when you spend $6k on eligible purchases in the first 3 months from approval plus an additional 50k extra Business Reward Points when you keep the card for over 15 months. Utilise a host of premium features, including uncapped rewards, travel benefits and expense management tools.
Redeem your Reward Points for gift cards, ANZ Cashback and more, or transfer them to airline partners including Velocity Frequent Flyer, Air New Zealand Airpoints, Asia Miles and Singapore Airlines KrisFlyer. Plus, use the ANZ Global Business Concierge service and complimentary domestic and international travel insurances.
Terms and conditions apply.
Points Earn Rate (per $1 spent)
1.5 points
Up to and including $10,000, then 1 Point per $1 spent per statement period
Rewards Program
ANZ Business Rewards Program
Bonus Points
Up to 150,000 pts
Earn 100k Business Rewards Points when you spend $6,000 in the first 3 months plus 50k after 15 months
Pros and 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)
- The annual fee is $300 plus $75 p.a. rewards fee per card per year ($375 annually)
Creditcard.com.au review
Editor Review
ANZ Business Black Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question 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. Plus, enjoy a welcome offer of up to 150,000 ANZ Business Reward Points - earn 100k Business Reward Points when you spend $6000 on eligible purchases in the first 3 months from approval, plus an additional 50k Business Reward Points when you keep the card for over 15 months.
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, plus a $75 Rewards fee. 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.
As a cardholder, you can benefit from complimentary domestic and international travel insurance, up to 44 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
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 44 days
Credit limits
Minimum credit limit $5,000
Maximum credit limit N/A
Fees & repayments
Annual fee $375 p.a.
Additional cardholder fee Rewards fee $75 p.a. per card
Foreign transaction fee 3%
Minimum repayment 2% or $25, whichever is greater (personal); 2% or $10, whichever is greater (business)
Cash advance fee 3% or $3, whichever is greater (personal); 1.5% or $1.50, whichever is greater (business)
Late payment fee $35
Rewards and points
Rewards program
Rewards Program 
ANZ Business Rewards Program
Bonus points Up to 150,000 points
Annual points cap uncapped
Bonus points spend criteria Earn 100k Business Rewards Points when you spend $6,000 in the first 3 months plus 50k after 15 months
Earning points with this card
Rewards points 1.5 points per $1 spent
Points cap per month Up to and including $10,000, then 1 Point per $1 spent per statement period
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Travel insurance underwritten by Allianz global assistance
Unauthorised Transactions Insurance1
Domestic Travel Insurance
Overview
ANZ Business Black Credit Card
Take your business places with the ANZ Business Black Credit Card offering uncapped rewards and benefits, including complimentary domestic travel insurance and international travel insurance.
Key features
- Earn up to 150,000 extra Reward Points - 100,000 extra ANZ Business Reward Points when you spend $6k on eligible purchases in the first 3 months from approval plus an additional 50k extra Business Reward Points when you keep the card for over 15 months. Not available if you’ve held an ANZ Qantas Business Rewards or ANZ Business Black account in the last 12 months.
- 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, uncapped.
- 0.5 ANZ Reward Point for every $1 you spend on taxation payments, uncapped
- Up to 44 days interest free credit on purchases
- Cardholder spend controls
- Data feeds to accounting software
- ANZ Global Business Concierge service for 24/7
- Unauthorised Transaction Insurance
- Complimentary Domestic and International Travel Insurance
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Must be a permanent Australian resident, either a director, partner, or proprietor, with valid ABN or ACN. Apply online via ANZ GoBiz if your business uses Xero, MYOB or Intuit QuickBooks, has at least 6 months of reconciled financial data in AUD, operates under a registered ABN/ACN (a company must operate under both), is GST registered if annual turnover is $75,000 or more, and has an annual turnover not exceeding $75 million.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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