- 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 Insurance1
- Cardholder spend controls
- Data feeds to accounting software
- Unauthorised Transaction Insurance1
- Transit Accident Insurance1
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NAB Qantas Business Signature Credit Card
100,000 bonus Qantas points*
*Min. spend criteria. T&Cs apply. $295 annual fee
ANZ Credit Cards
ANZ Business Black Credit Card
Updated 6 October 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. 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 spent3
Rewards Program
ANZ Rewards
Bonus Points
N/A
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)
- $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. Ask Roland 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.
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
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 3%4
Minimum repayment
Cash advance fee 2% Consumer Cards or Business Cards Cash Advance Fee: $1.50 and 1.50% - whichever is greater5
Late payment fee $35
Rewards and points
Rewards program
Rewards Program
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 spent3
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.
4. ANZ will charge 3% of the value of any international transaction charged or credited to the credit card facility.
5. A fee will be charged for each cash advance, except where it is obtained through an ANZ ATM. The fee will be the greater of $1.50 and 1.50% of the cash advance amount plus any ATM operator fee.
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 Insurance1
- Transit Accident Insurance1
- 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 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.
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