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Purchase rate
12.99% p.a.Balance transfer
N/AAnnual fee
$100 p.a.Pros
Low standard purchase rate
Low annual fee
Control cardholder spending by setting a spending cap
Company Liability and Transit Accident Insurance
Cons
No interest free days
ANZ Business Low Rate
The ANZ Business Low Rate is a simple, low fuss option for business owners. There’s a low ongoing purchase rate of 12.99% p.a. and a low $100 annual fee. You have the ability to assign different spending limits to individual cardholders. This card also comes with relevant insurances and one convenient, simple statement showing all fees, charges and payments sorted by cardholder so that each can be easily assigned. One thing to remember is that there are no interest free days with this card, as with many business credit cards.
Key features
- 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.
- ANZ Falcon Security
- A low purchase rate of 12.99% p.a. and low cash advance rate of 14.49% p.a.
- $100 annual fee
- Unauthorised Transactions Insurance protects your business against fraudulent misuse for up to $37,500 per cardholder, and $200,000 per annum for the total card facility
- Cardholder Transit accident insurance to cover the cardholder, their spouse and/or children in case a covered accident occurs
0% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 12.99% p.a. |
| Cash advance rate | 14.49% p.a. |
| Interest free on purchases | up to 0 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | $1,000 |
| Maximum credit limit | N/A |
| Fees & repayments | |
| Annual fee | $100 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 |
You’ll definitely agree that the ANZ Business Low Rate card is a relatively low risk option for business owners, and the convenience factor will appeal to many time-poor small business owners. Obviously you get all the usual features you’d expect, the ability to bank anywhere, and use the card wherever Visa is accepted plus itemised statements. That comes for a very low business card annual fee of $100. The company liability and transit accident insurance that comes with this card really complete the package – but it’s important to make sure all employees using the card are aware of the rules and important conditions of cover. If you’re looking for interest free days ANZ has other great business credit card options.
Showing one question (showing the latest 10 Q&As)
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Permanent Resident or Australian Citizen
- You have your personal details ready to complete the online application
ANZ Business Low Rate
The ANZ Business Low Rate is a simple, low fuss option for business owners. There’s a low ongoing purchase rate of 12.99% p.a. and a low $100 annual fee. You have the ability to assign different spending limits to individual cardholders. This card also comes with relevant insurances and one convenient, simple statement showing all fees, charges and payments sorted by cardholder so that each can be easily assigned. One thing to remember is that there are no interest free days with this card, as with many business credit cards.
Key features
- 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.
- ANZ Falcon Security
- A low purchase rate of 12.99% p.a. and low cash advance rate of 14.49% p.a.
- $100 annual fee
- Unauthorised Transactions Insurance protects your business against fraudulent misuse for up to $37,500 per cardholder, and $200,000 per annum for the total card facility
- Cardholder 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 12.99% p.a.
Cash advance rate 14.49% p.a.
Interest free on purchases up to 0 days
Credit limits
Minimum credit limt $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $100 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
You’ll definitely agree that the ANZ Business Low Rate card is a relatively low risk option for business owners, and the convenience factor will appeal to many time-poor small business owners. Obviously you get all the usual features you’d expect, the ability to bank anywhere, and use the card wherever Visa is accepted plus itemised statements. That comes for a very low business card annual fee of $100. The company liability and transit accident insurance that comes with this card really complete the package – but it’s important to make sure all employees using the card are aware of the rules and important conditions of cover. If you’re looking for interest free days ANZ has other great business credit card options.
Pros
- Low standard purchase rate
- Low annual fee
- Control cardholder spending by setting a spending cap
- Company Liability and Transit Accident Insurance
Cons
- No interest free days
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 Question
Something you need to know about this card? Ask a our credit card expert a question.
Ask a questionShowing one question (showing the latest 10 Q&As)
I have a anz credit card from Australia can I pay it off in nz
Hi Vicky, yes you can pay off through internet banking, say BPAY, how you would have paid it when you where in Australia.
Vicky
18 February 2018Roland
19 February 2018