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Purchase rate
17.74% p.a.Balance transfer
N/AAnnual fee
$150 p.a.Pros
Get up to 55 days interest free on purchases
Control cardholder spending by setting a spending cap
Company Liability and Transit Accident Insurance
Cons
The annual fee is quite high at $150 p.a.
ANZ Business 55 Interest Free Days
The ANZ Business 55 Interest Free Days card gives your business breathing space around repayments, with up to 55 days interest free on purchases. That’s the obvious difference with this option, as many business credit cards or charge cards don’t offer any interest free days at all. You don’t miss out on any of the standard business credit card features you’d expect either. You’ll still have the option to set credit limits for additional cardholders, insurances, easy to follow single statements and the convenience of Visa access.
Key features
- $150 Annual card fee
- Set a monthly cap for each cardholder to match your budget. You can choose to restrict cash access on some or all cards depending on your requirements.
- Up to 55 days interest free period
- ANZ Falcon Security
- Simple monthly statement that summarises all fees, charges and payments with transactions conveniently sorted by cardholder.
- Company liability insurance protects your business against fraudulent misuse for up to $37,500 per cardholder, and $200,000 per annum for the total card facility
- Transit accident insurance to cover the cardholder, their spouse and/or children in case a covered accident occurs
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 17.74% p.a. |
| Cash advance rate | 19.24% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $1,000 |
| Maximum credit limit | N/A |
| Fees & repayments | |
| Annual fee | $150 p.a. |
| Additional cardholder fee | $0 p.a. |
| Cash advance fee | 2% |
| Foreign transaction fee | 2.5% |
| Minimum repayment | 2% |
| Late payment fee | $35 |
| Credit card type | Visa |
| Complimentary insurance | |
| 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 |
For an option to purchase for your business without paying interest immediately, the ANZ Business 55 Interest Free Days card certainly ticks all the boxes, and comes with the convenience of Visa access so you know you can use it anywhere. In times of cashflow shortage those 55 days to pay can really make a difference, so that’s the main reason to go for a card like this. The purchase rate itself is high, so if you can’t pay the balance by the time the interest free days expire it would be recommended to use another card with a lower rate.
The insurances that come with this card are also valuable and will protect your business if the credit card is misused by an employee (up to a pre-determined limit) or if they have an accident on the way to or from work when they used the card to pay for the journey.
(showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Resident or citizen of Australia
- You have your personal details ready to complete the online application
ANZ Business 55 Interest Free Days
The ANZ Business 55 Interest Free Days card gives your business breathing space around repayments, with up to 55 days interest free on purchases. That’s the obvious difference with this option, as many business credit cards or charge cards don’t offer any interest free days at all. You don’t miss out on any of the standard business credit card features you’d expect either. You’ll still have the option to set credit limits for additional cardholders, insurances, easy to follow single statements and the convenience of Visa access.
Key features
- $150 Annual card fee
- Set a monthly cap for each cardholder to match your budget. You can choose to restrict cash access on some or all cards depending on your requirements.
- Up to 55 days interest free period
- ANZ Falcon Security
- Simple monthly statement that summarises all fees, charges and payments with transactions conveniently sorted by cardholder.
- Company liability insurance protects your business against fraudulent misuse for up to $37,500 per cardholder, and $200,000 per annum for the total card facility
- Transit accident insurance to cover the cardholder, their spouse and/or children in case a covered accident occurs
Customer Reviews
Rates & Fees
Interest rates
Purchase rate 17.74% p.a.
Cash advance rate 19.24% p.a.
Interest free on purchases up to 55 days
Credit limits
Minimum credit limt $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $150 p.a.
Additional card holder fee $0 p.a.
Foreign transaction fee 2.5%
Minimum repayment 2%
Cash advance fee 2%
Late payment fee $35
Additional features
Complimentary insurance
Overseas travel insurance No
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
Our Review
Editor Review
For an option to purchase for your business without paying interest immediately, the ANZ Business 55 Interest Free Days card certainly ticks all the boxes, and comes with the convenience of Visa access so you know you can use it anywhere. In times of cashflow shortage those 55 days to pay can really make a difference, so that’s the main reason to go for a card like this. The purchase rate itself is high, so if you can’t pay the balance by the time the interest free days expire it would be recommended to use another card with a lower rate.
The insurances that come with this card are also valuable and will protect your business if the credit card is misused by an employee (up to a pre-determined limit) or if they have an accident on the way to or from work when they used the card to pay for the journey.
Pros
- Get up to 55 days interest free on purchases
- Control cardholder spending by setting a spending cap
- Company Liability and Transit Accident Insurance
Cons
- The annual fee is quite high at $150 p.a.
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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