In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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ANZ Business Black Card

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ANZ Business Black
Terms and conditions apply
Bonus points
Purchase rate
20.24% p.a.
Reward points per $ spent
Annual fee for the first year ($300 p.a. thereafter)
$0 p.a.

Our verdict

Offers 100,000 bonus points and a waived annual fee in the first year, which goes to $300 per year after that.

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The ANZ Business Black Credit Card is suited to businesses that want to earn rewards as they manage their spending, with a minimum credit limit of $10,000 and up to 1.5 ANZ Reward Points per $1 on eligible spending. To give you an idea of the value of ANZ Reward Points, the 100,000 bonus points on offer would be enough for at least $400 in digital gift cards or 50,000 Qantas Points. This makes it one of the few cards that offers point transfers to Qantas Frequent Flyer.


  • 100,000 bonus ANZ Reward Points
  • $0 annual fee for the first year
  • Up to 1.5 ANZ Reward Points per $1 spent on eligible purchases
  • Access to the ANZ 24/7 Global Business Concierge service


  • $300 annual fee after the first year
  • $75 yearly rewards fee per card linked to the account
  • No introductory offers on purchases and balance transfers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The ANZ Business Black is a premium credit card that offers business owners uncapped rewards, complimentary international travel insurance and ANZ Global Business Concierge. You can redeem ANZ Reward Points for gift cards, retail items and more. Or transfer points to Qantas Frequent Flyer, Velocity Frequent Flyer, Air New Zealand Airpoints, Cathay Pacific Asia Miles and Singapore Airlines KrisFlyer. This card also offers data feeds for Xero, MYOB and QuickBooks, additional cards for employees and monthly statement breakdowns by cardholder. Just remember to factor in the yearly account and additional cardholder fees after the first year.


Product details

Product Name ANZ Business Black
Purchase rate p.a. 20.24%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.74%
Min credit limit $10,000
Card type Visa


Available to temporary residents No
Joint application No


Rewards program ANZ Rewards Program
Bonus points 100,000
Rewards points per $ spent 1.5


Annual fee $0 first year ($300 after)
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

How to apply

You can apply for the ANZ Business Black Card online in around 20 minutes through ANZ GoBiz. For this option, you need to connect your accounting software (Xero, MYOB or Intuit QuickBooks).

Alternatively, you can request a callback through the ANZ website. Before you apply, make sure you and your business meet the eligibility requirements and have the necessary information to complete the application:

Eligibility criteria

  • ABN and ACN. You must have a valid Australian Business Number (ABN) and Australian Company Number (ACN) to apply.
  • Business use. You must agree to use the card for business purposes. The person applying must also be authorised to open an account on behalf of the business.

Card benefits

  • 100,000 bonus ANZ Reward Points. You'll get 100,000 bonus points when you apply for an ANZ Business Black Card as a new customer and spend $6,000 on eligible purchases in the first 3 months from card approval. Your bonus points will be credited to your account within 3 months of meeting the spend requirement. Eligible purchases include most everyday business spending but excludes transactions such as cash advances, banking fees and government charges (other than payments to the Australian Taxation Office).
  • First-year annual fee waiver. In the first year, you'll save $300 on the card's annual fee and $75 per card on the annual rewards fee. After the first year, these fees will be charged on the anniversary of your account opening each year. Note that ANZ may withdraw this introductory offer at any time.

Rates & fees

  • Annual fee. Outside of any promotions, this card has a $300 p.a. annual fee.
  • Purchase interest rate. A 20.24% p.a. interest rate applies to purchases.

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July 02, 2023

Traveling to uk. Will hire car excess be covered by anz black card


Elizabeth Barry Finder

July 12, 2023

Hi David,

Thanks for your question.

Rental vehicle excess insurance is included in the overseas travel insurance provided by the card. You can take a look at the policy information booklet here to see what is and isn’t covered.

Hope this helps,


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February 12, 2019

looking at my december statement i notice a Loyalty Fee charged at $225.00 . Looking at your fees on this site there is no mention of this fee. yes there is a card fee but no loyalty fee. what is a loyalty fee?


John Basanes Finder

February 14, 2019

Hi Anthony,

Thank you for reaching out to finder.

I checked on the rates and fees for ANZ Business Black card and it does not indicate a Loyalty fee. The closest I could see is the Rewards fee which is at $75 per year per card. You may also want to check with ANZ directly on the breakdown of the loyalty fee which is being charged to you for further clarification. Hope this helps!



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August 28, 2018

Why Business Black credit card does not start with Points Bonus like the personal Black Card that will let you earn 65,000 points?


Jhezelyn Finder

August 28, 2018

Hello Cono,

Thank you for your comment.

Credit cards have different issuers and different rewards system. This is the reason why you get to compare which credit card product will suit you well. So basically, the bonus points as introductory offer of credit card products will depend on its rewards system.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.



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April 17, 2018

Hi are we able to earn points for COD bulk diesel deliveries?


Ash Munoz

April 17, 2018

Hi Chase,

Thank you for visiting finder.

You will be able to earn points on eligible purchases if you are going to us your ANZ Business Black Card in paying for the bulk diesel delivery. Earning points does not apply to cash transactions.

You may earn 1.5 ANZ points for every dollar spent on eligible purchase up to $10,000 every statement. For succeeding purchases, that is $10,001 and up, you will be earning 1 ANZ point for every dollar spent.

I hope this helps.

Let us know if there is anything else that we may assist you with.



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February 20, 2018

why since have we not been awarded Qantas FF points since sept 2017?

We operate our business as a sole trader and only use the ANZ FF Black visa card for business as usual.?


Jonathan Choi Finder

February 20, 2018

Hi Chris, thanks for your inquiry.

Please contact ANZ credit card support directly to resolve this frequent flyer points issue.

1800 033 844, 24 hours a day, 7 days a week.



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