ANZ Business Black

credit card

Business Black is a credit card from ANZ, as the bank publishes it in its product data. Its purchase rate is 20.24% and its card fee $300 a year. It ranks 9th of 9 issuers for a business card with a rewards programme, by annual fee.

What the feed states

Purchase rate

20.24%

Cash advance rate

21.74%

Interest-free days

up to 44

Card fee

$300 a year (Account Service)

Cash advance fee

1.5%

Late payment fee

$35

Rewards programme

ANZ Rewards Points

Sign-up offer

Earn 200,000 extra ANZ Business Reward Points when you spend $10,000 on eligible purchases in the first 3 months from approval. New cardholders only.

Complimentary insurance

Unauthorised Transactions Insurance; Domestic Travel Insurance; International Travel Insurance

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Additional cardholders

offered

Credit limit

$5,000 to $50,000

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: 200,000 extra Business Reward Points for $10,000 spent in 3 months, per the bank's card page; the feed says up to 150,000
• credit limit $5,000 to $50,000
• rewards programme fee $75 a year on top of the card fee
• 3.0% overseas transaction fee
• cash advance fee 1.5% or $1.50, whichever is greater; none at ANZ ATMs in Australia
• 1.5 points per $1 up to $10,000 a statement period, then 1.0 uncapped
• bonus offer for new cardholders only; not if you held an ANZ Qantas Business Rewards or Business Black card in the last 12 months
• $75 rewards fee charged for each card, including additional cards

About this card

A credit card facility for businesses where you can earn rewards on eligible transactions and receive domestic and international travel insurance

Data

• ANZ's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• /au/finance/credit-cards/v1/brands/anz.json: this issuer's cards as JSON; ANZ's page lists them.
• The bank last updated this record on 2026-10-04; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at ANZ

• Business 55 Interest Free Days credit card, 17.74%, $150 a year
• Business Low Rate credit card, 12.99%, $100 a year
• First credit card, 22.49%, $30 a year
• Frequent Flyer Black credit card, 22.49%, $370 a year
• Frequent Flyer Platinum credit card, 22.49%, $240 a year
• Low Rate credit card, 13.74%, $58 a year
• Platinum credit card, 22.49%, $87 a year
• Qantas Business Rewards credit card, 20.24%, $300 a year
• Rewards Black credit card, 22.49%, $320 a year
• Rewards Platinum credit card, 22.49%, $94 a year