ANZ Business Black Credit Card

• Earn up to 150,000 extra Business Reward Points. Earn 100,000 points when you spend $6,000 in the first 3 months, plus 50,000 more when you keep the card for 15 months.
• Earn 1.5 Reward Points per $1 spent on eligible purchases up to and including $10,000 per statement period.
• Receive complimentary Unauthorized Transactions Insurance, International Travel Insurance, and Transit Accident Insurance for overseas travel.

The basics

• Additional cardholders. You can add unlimited cardholders for free to share your account with staff. Points earned will accumulate under the main cardholder's account.
• Digital wallets. This card works with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. ANZ treats any transactions classed as gambling as cash advances.
• Integrations. Works with Xero, MYOB, and QuickBooks.

Rewards and benefits

• Complimentary travel insurance. Complimentary international travel insurance comes with the ANZ Business Black Credit Card. To activate the cover, the card must have been used to pay for travel costs related to your trip before you leave.
• Concierge. Get access to ANZ's concierge service. Available 24 / 7, cardholders can contact the concierge for help with things like getting travel recommendations, booking travel, shopping advice, arranging gifts, etc.
• Insurance. Cardholders get extended warranty protection, fraud protection, purchase protection insurance, and transport accident insurance.
• Rewards program. ANZ Business Black Credit Card cardholders can earn 1.5 ANZ Business Rewards Points per $1 spent on eligible purchases up to $10,000 per statement period. Balance transfers and cash advances are not eligible, but taxation payments are, albeit with a significantly reduced earn rate. However, being able to earn on ATO payments with the card means you can avoid the processing fees of using a third party to pay tax with There is an annual fee for the rewards program separate from the annual fee. ANZ Business Rewards Points can be transferred to Qantas Frequent Flyer, Velocity Frequent Flyer, Air New Zealand Airpoints, Cathay Asia Miles, and Singapore Airlines KrisFlyer.
• Sign up bonus. Get up to 150,000 ANZ Business Rewards Points with the ANZ Business Black Credit Card—100,000 points when you spend $6,000 in the first 3 months, plus 50,000 more for keeping the card for 15 months.

Rates and fees

• Annual fee. The card has a $300 annual fee, which could be worthwhile if the perks match your spending.
• Balance transfer. This credit card currently has no balance transfer offer. That's typical of business credit cards in Australia.
• Cash advance. Transactions classed as a cash advance will attract interest at 21.74% p.a. with interest accruing from the date they were made. As well as interest, there is a one-off cash advance fee for any cash advances made with this card.
• Foreign exchange fee. This card charges a 3% fee for transactions made online or overseas in a foreign currency.
• Interest-free period. This card offers an interest-free period of up to 55 days on purchases — except cash advances — if you have paid off your previous balance or made minimum required payments.
• Purchase rate. With no introductory offer on purchases, purchases made with this card will be charged interest at 20.24% p.a.