Connecting to better
ANZ Business Black
Bonus Point
Interest Rates
150000
20.24
Reward Point
1.5
Annual fee
$375
Pros.
Earn up to 150,000 bonus ANZ Reward Points
Get up to 1.5 ANZ Reward Points for every $1 spent on eligible purchases
Enjoy access to the ANZ 24/7 Global Business Concierge service
Cons.
$75 annual rewards fee for each card linked to the account
No introductory offers on purchases or balance transfers
The ANZ Business Black is a premium credit card designed for business owners, offering unlimited rewards, complimentary international travel insurance, and access to ANZ Global Business Concierge. You can redeem ANZ Reward Points for gift cards, retail products, and more, or transfer them to programs like Velocity Frequent Flyer, Air New Zealand Airpoints, Cathay Pacific Asia Miles, and Singapore Airlines KrisFlyer. The card also provides data feeds for Xero, MYOB, and Intuit QuickBooks, the ability to add extra cards for employees, and monthly statement breakdowns by cardholder. Just be sure to account for the annual rewards fee for each card linked to the account.
Details
Product Details
Product Name
ANZ Business Black
Balance transfer rate p.a.
N/A
Balance transfer limit
N/A
Purchase rate p.a.
20.24
Interest-free days
Up to 55 dayson purchases
Cash advance rate p.a.
1.5% or $1.50, whichever is greater
Min credit limit
$5,000
Card type
Visa
Fees & Charges
Annual fee
$375
Minimum monthly repayment
N/A
Late payment fee
$35
Foreign currency conversion fee
3%
Cash advance fee
1.5% or $1.50, whichever is greater
Overseas cash advance fee
1.5% or $1.50, whichever is greater
Additional cardholder fee
$0
Number of additional cardholders
0
Eligibility
Available to temporary residents
No
Minimum income
N/A
Joint application
No
Rewards
Rewards program
1.5
Bonus points
150000
Rewards points per $ spent
1.5
Rewards points cap
150,000
How to Apply
You can apply for the ANZ Business Black Card online in about 20 minutes via ANZ GoBiz. To use this option, you'll need to link your accounting software (Xero, MYOB, or Intuit QuickBooks). Alternatively, you can request a callback through the ANZ website. Before applying, make sure you and your business meet the eligibility criteria and have the necessary information ready to complete the application:
Eligibility Criteria
New Cardholder: To be eligible for the reward points offer, you must not currently hold or have held an ANZ Qantas Business Rewards or ANZ Business Black card within the last 12 months.
ABN and ACN: You must have a valid Australian Business Number (ABN) and Australian Company Number (ACN) to apply.
Business Use: The card must be used for business purposes. The applicant must be authorised to open an account on behalf of the business.
Residency: At least one director, partner, or proprietor applying for the account must be a permanent Australian resident.
Age: You must be at least 18 years old.
ANZ GoBiz Application Requirements: If applying through ANZ GoBiz, you need to have been operating under the same ABN or ACN for at least 6 months, have 6 months of reconciled financial data in Australian dollars, and be registered for GST if your business turnover is at least $75,000 annually. Your annual turnover should not exceed $10 million.
Required Documents
Personal Information: You’ll need to provide personal details for each applicant, including any additional cardholders. This includes your full name, date of birth, address, contact information, and proof of identity.
Business Details: This includes the business name, address, and contact details.
Financial Information: You may need to provide information about your ongoing expenses, assets, liabilities, and any other sources of income.
Card benefits
You can apply for the ANZ Business Black Card online in about 20 minutes via ANZ GoBiz. To use this option, you'll need to link your accounting software (Xero, MYOB, or Intuit QuickBooks). Alternatively, you can request a callback through the ANZ website. Before applying, make sure you and your business meet the eligibility criteria and have the necessary information ready to complete the application:
Eligibility Criteria
New Cardholder: To be eligible for the reward points offer, you must not currently hold or have held an ANZ Qantas Business Rewards or ANZ Business Black card within the last 12 months.
ABN and ACN: You must have a valid Australian Business Number (ABN) and Australian Company Number (ACN) to apply.
Business Use: The card must be used for business purposes. The applicant must be authorised to open an account on behalf of the business.
Residency: At least one director, partner, or proprietor applying for the account must be a permanent Australian resident.
Age: You must be at least 18 years old.
ANZ GoBiz Application Requirements: If applying through ANZ GoBiz, you need to have been operating under the same ABN or ACN for at least 6 months, have 6 months of reconciled financial data in Australian dollars, and be registered for GST if your business turnover is at least $75,000 annually. Your annual turnover should not exceed $10 million.
Required Documents
Personal Information: You’ll need to provide personal details for each applicant, including any additional cardholders. This includes your full name, date of birth, address, contact information, and proof of identity.
Business Details: This includes the business name, address, and contact details.
Financial Information: You may need to provide information about your ongoing expenses, assets, liabilities, and any other sources of income.
Rates & fees
Annual Fee: This card comes with a $300 annual fee, plus a $75 annual rewards fee for each card linked to the account.
Purchase Interest Rate: The interest rate on purchases is 20.24% p.a.
Interest-Free Days: Enjoy up to 55 interest-free days on purchases when you pay the full balance on your statement by the due date.
Cash Advances: Cash advances, such as ATM withdrawals, will incur an interest rate of 21.74% p.a.
Minimum Credit Limit: The minimum credit limit for this card is $5,000.