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ANZ Business Black Credit Card
1 review

ANZ Business Black Credit Card

points over 12 months Calculate your savings icon

Earn rate per $1

1.5 points Capped at $10,000, then 1 Point per $1 spent ANZ Rewards

Bonus points

N/A

Annual fee

$300 p.a.

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
  • Rates
    71%
  • Fees
    55%
  • Rewards
    46%
  • Customer Service
    90%
  • Value
    65%
Overall user rating 65%
1 reviews
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 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.

5 questions (showing the latest 10 Q&As)

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. 2 points per 1 Velocity. 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?

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
ANZ Business Black Credit Card
ANZ Business Black Credit Card

ANZ Credit Cards

ANZ Business Black Credit Card

Updated 13 September 2019

Points Earn Rate (per $1 spent)

1.5

points

ANZ

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 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

  • 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 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.

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 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 $0 - $75 p.a. rewards fee each

Foreign transaction fee 2.5%

Minimum repayment 2%

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 pointsANZ points 1.5 points per $1 spent

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

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

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

Overview

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

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.

5 questions (showing the latest 10 Q&As)

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. 2 points per 1 Velocity. 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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