ANZ Business Black Credit Card | Review & Apply Online

ANZ Business Black Credit Card

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Card features
Rewards program
Earn rate
Sign up bonus
Points earned
ANZ Business Black Credit Card
Earn up to 1.5 ANZ Reward Points per $1 you spend on eligible purchases (conditions apply).
Up to 55 days interest-free on purchases.
No additional cardholder fee.
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ANZ Rewards
ANZ Rewards
1 pt
per $1 spent

Pros & cons

What's good?

What's not so good?

Earn 1.5 ANZ Reward Points per $1 you spend on eligible purchases up to $10,000 then 1 ANZ Rewards point for spending thereafter within the statement period.
Earn 0.5 ANZ Reward points per $1 spent on taxation payments.
Apply for additional cardholder at no cost.
Feel secure with the complimentary insurances including Unauthorised Transactions Insurance and Transit Accident Insurance.
ANZ Falcon™ provides round-the-clock monitoring for suspicious transactions.
ANZ Global Business Concierge service.
ANZ Spend Insights.
Enable for Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
There is an annual rewards fee of $75. Total annual fee is $375 ($375* p.a. annual fee + $75 p.a. rewards fee).
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.8 out of 5.0 based on 4 reviews75% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Convenient, secure, easy points accumulation

Reviewed and recommended by Graeme on 12 Dec 2016

I love my business black credit card. I use it for most of my business transactions, and it is easy to accumulate points and the points system is very easy to use.

It makes buying things online very convenient, and gives me confidence that I have safe transactions online.

The fees are also very low, so I don’t even notice them. I have the bank automatically take money out of my main business account to pay the card so I don’t fall behind on payments.

Good, until annual fee is charged

Reviewed and recommended by Simon on 11 Dec 2016

This card has a good rewards program but has a high annual fee after the first year.

The travel insurance has rental car excess, which is handy for interstate travel, but be wary of Terms and Conditions.

Some of the American Express promotional offers have good savings.

The ANZ mobile apps are very basic. Don’t expect to see transactions until three days after your purchase. They seem designed to sell you ANZ products more than tell you about your existing one.

ANZ explained card features simply and clearly

Reviewed and recommended by Matilda on 06 Dec 2016

I would have to say that the ANZ Business Black Credit Card is a must-have. I got amazing customer service from ANZ, as they taught me all the valuable features of the card in simplistic ways.

It is also extremely convenient when purchasing, as it is just a touch to purchase items. I recommend everyone to get this card, as they will not regret it.

Bank not very flexible

Reviewed and not recommended by Sarah on 23 Sep 2016

I would rather have a card with interest-free periods and no fees so I could get things over a period of time interest free.

I would not choose to go with this bank again. They are not very flexible and I get charged every time I use it. A one-off fee would be much better. At least then you know how much extra you are going to have to pay. But like any credit card, the one bonus is you have that back-up there if you need it.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
ANZ Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances 1.81% 21.74% p.a.
Purchases 1.69% 20.24% p.a.


Annual fee
$375* p.a.
Cash advance fee
whichever is greater, $1.50 or 1.50%
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
$50 or 5%, whichever is lesser
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
Reward points expiry
Rewards program
ANZ Rewards
Sign up bonus
Spend required for bonus points

Earning points with this card

Frequent flyer points
1 pt per $1 spent
Overseas earn rate
3 pts per $1 spent
Points cap per month
Points cap per year
Points earned on ATO payments
0.5 pts per $1 spent
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Temporary residents are eligible
Age Pension, Disability Pension and Veteran's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Joint applications are not allowed
Overseas Pension and Widower's Pension are not acceptable.
Austudy, Foster Care Allowance and Youth Allowance are not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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