{
  "snapshot_at": "2026-10-24T09:57:43Z",
  "brand": "ANZ",
  "brand_slug": "anz",
  "product_id": "9836ae54-5aa3-54cf-e1df-9c7aec8ddb08",
  "cdr_url": "https://api.anz/cds-au/v1/banking/products/9836ae54-5aa3-54cf-e1df-9c7aec8ddb08",
  "x_v": 7,
  "how_to_fetch": "curl -H 'x-v: 7' 'https://api.anz/cds-au/v1/banking/products/9836ae54-5aa3-54cf-e1df-9c7aec8ddb08'",
  "note": "Verbatim `data` object of the bank's CDR product detail response, as fetched. The live endpoint needs the x-v header shown in how_to_fetch and will not open in a browser.",
  "data": {
    "additionalInformation": {
      "eligibilityUri": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm#eligibility",
      "feesAndPricingUri": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm#rates",
      "overviewUri": "https://www.anz.com.au/business/products/credit-cards/business-black/?CID=af:obank:cm",
      "termsUri": "https://www.anz.com.au/business/help-support/terms-conditions/?section=SBS&CID=af:obank:cm"
    },
    "applicationUri": "https://www.anz.com.au/business/credit-cards/business-black/",
    "brand": "ANZ",
    "cardArt": [
      {
        "cardScheme": "VISA",
        "cardType": "CREDIT",
        "imageUri": "https://www.anz.com.au/content/dam/anzcomau/images/business/products/ANZ-Business-Black-Credit-Card_Product.png",
        "title": "ANZ Business Black"
      }
    ],
    "description": "A credit card facility for businesses where you can earn rewards on eligible transactions and receive domestic and international travel insurance",
    "isTailored": false,
    "lastUpdated": "2026-10-04T23:00:00.000Z",
    "name": "ANZ Business Black",
    "productCategory": "CRED_AND_CHRG_CARDS",
    "productId": "9836ae54-5aa3-54cf-e1df-9c7aec8ddb08",
    "bundles": [],
    "constraints": [
      {
        "additionalValue": "5000.00",
        "constraintType": "MIN_LIMIT"
      },
      {
        "additionalInfo": "Maximum Limit is only applicable when applying via GoBiz online application channel.",
        "additionalValue": "50000.00",
        "constraintType": "MAX_LIMIT"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "BUSINESS"
      }
    ],
    "features": [
      {
        "additionalInfo": "Any number of additional cards can be ordered",
        "featureType": "ADDITIONAL_CARDS"
      },
      {
        "additionalInfo": "Unlimited ANZ transactions available using ANZ Internet Banking, ANZ Phone Banking, ANZ ATMs, ANZ Business Visa Debit and EFTPOS. Also includes any deposit, withdrawal or transfer at ANZ branches, cheques drawn by you and any cheque or manual merchant slip deposited to your account.",
        "featureType": "UNLIMITED_TXNS"
      },
      {
        "additionalInfo": "Unauthorised Transactions Insurance protects your business against misuse for up to $37,500 per cardholder and $200,000 maximum for the total account, in any 12 month period.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/pdf/commercial-cards-anz-business-one-tsc.pdf",
        "additionalValue": "Unauthorised Transactions Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcom/documents/pdf/anz-business-black-travel-insurance-policy.pdf",
        "additionalValue": "Domestic Travel Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcom/documents/pdf/anz-business-black-travel-insurance-policy.pdf",
        "additionalValue": "International Travel Insurance",
        "featureType": "INSURANCE"
      },
      {
        "additionalInfo": "Up to 44 days interest free days on purchases",
        "additionalValue": "P44D",
        "featureType": "INTEREST_FREE"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Apple Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Google Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Samsung Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Fitbit Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/digital-wallets/",
        "additionalValue": "Garmin Pay",
        "featureType": "DIGITAL_WALLET"
      },
      {
        "additionalInfo": "Access using ANZ Internet Banking or ANZ App",
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/internet-banking/personal/?CID=af:obank:cm",
        "featureType": "DIGITAL_BANKING"
      },
      {
        "additionalInfoUri": "https://www.anz.com.au/ways-to-bank/more/bpay/?CID=af:obank:cm",
        "additionalValue": "BPAY",
        "featureType": "BILL_PAYMENT"
      },
      {
        "additionalInfo": "0.5 Reward Points per $1 spent on taxation payments (uncapped). 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period. 1.0 Reward Point per $1 spent on eligible purchases above $10,000 per statement period.",
        "additionalInfoUri": "https://www.anz.com.au/content/dam/anzcomau/pdf/anz-business-one-rewards-options-tcs.pdf",
        "additionalValue": "ANZ Rewards Points",
        "featureType": "LOYALTY_PROGRAM"
      },
      {
        "additionalInfo": "Earn up to 150,000 extra Points\nEarn 100,000 extra ANZ Business Rewards Points when you spend $6k on eligible purchases in the first 3 months from approval of your new card.  Plus earn an additional 50,000 bonus ANZ Business Rewards Points when you keep the card for over 15 months.\nT&Cs, eligibility criteria, fees and charges apply (including an Annual Fee, currently $300 plus a Rewards Fee, currently $75 per card per annum).  New cardholders only.  Offer not available to customers who have held an ANZ Qantas Business Rewards or ANZ Business Black card in the last 12 months.",
        "additionalInfoUri": "https://www.anz.com.au/business/credit-cards/business-black/",
        "additionalValue": "150000",
        "featureType": "BONUS_REWARDS"
      }
    ],
    "fees": [
      {
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "300.00"
        },
        "name": "Account Service"
      },
      {
        "additionalValue": "P1Y",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "PERIODIC",
        "fixedAmount": {
          "amount": "75.00"
        },
        "name": "Rewards Fee"
      },
      {
        "additionalInfo": "On the value of any International Transaction charged or credited to an ANZ Business One Facility.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "PURCHASE",
        "name": "Overseas Transaction",
        "rateBased": {
          "rate": "0.03",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalInfo": "A fee will be charged if the Closing Balance shown on a Statement of Account exceeds the Facility Limit. The Overlimit Fee will be the lesser of 5% of the overlimit amount and $50.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "EVENT",
        "name": "Over Limit",
        "rateBased": {
          "rate": "0.05",
          "rateType": "TRANSACTION"
        }
      },
      {
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "EVENT",
        "fixedAmount": {
          "amount": "12.00"
        },
        "name": "Payment Dishonour"
      },
      {
        "additionalInfo": "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. For Cash Advances made overseas at an ATM, bank or ANZ office, the 1.50% fee will be calculated with reference to the Cash Advance amount, any ATM operator fee plus any Overseas Transaction Fee charged on the Cash Advance.",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "rateBased",
        "feeType": "CASH_ADVANCE",
        "name": "Cash Advance Fee",
        "rateBased": {
          "rate": "0.015",
          "rateType": "TRANSACTION"
        }
      },
      {
        "additionalValue": "1",
        "currency": "AUD",
        "discounts": [],
        "feeMethodUType": "fixedAmount",
        "feeType": "LATE_PAYMENT",
        "fixedAmount": {
          "amount": "35.00"
        },
        "name": "Late Payment Fee"
      }
    ],
    "lendingRates": [
      {
        "additionalInfo": "Rates are subject to change",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "PURCHASE",
        "loanPurpose": "OTHER",
        "rate": "0.2024",
        "repaymentType": "OTHER",
        "tiers": []
      },
      {
        "additionalInfo": "Rates are subject to change",
        "applicabilityConditions": [],
        "applicationFrequency": "P1M",
        "applicationType": "PERIODIC",
        "calculationFrequency": "P1D",
        "interestPaymentDue": "IN_ARREARS",
        "lendingRateType": "CASH_ADVANCE",
        "loanPurpose": "OTHER",
        "rate": "0.2174",
        "repaymentType": "OTHER",
        "tiers": []
      }
    ]
  }
}