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ANZ Business 55 Interest Free Days

Manage your business cash flow and save on costs with up to 55 interest-free days on purchases and a $0 annual fee in the first year.

The ANZ Business 55 Interest Free Days card is designed to improve business cash flow, simplify how you track company expenses and offer savings with up to 55 interest-free days.

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17.74% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($150 p.a. thereafter)

55 days

Interest free period

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Product NameANZ Business 55 Interest Free Days
Balance transfer revert rateCash Advance Rate (19.24% p.a.)
Purchase rate p.a.17.74%
Annual fee$0 for the first year ($150 thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate19.24% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee for the first year
  • Enjoy an interest-free period of up to 55 days.
  • Give employees their own cards with a predetermined spending limit to avoid overspending.
  • Request for an additional card at no extra cost.


  • This credit card does not offer any introductory rates on purchases and balance transfers.
  • You cannot earn rewards for your spending.
Bonus pointsN/A
Annual fee$0 for the first year ($150 thereafter)
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$35
Foreign currency conversion fee3%
Cash advance fee1.5% or $1.50, whichever is greater
Overseas cash advance fee1.5% or $1.50, whichever is greater
Additional cardholder fee$0

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The ANZ Business 55 Interest Free Days credit card is suited to small and medium businesses that want to manage their expenses under one account. You can manage your employee spending with additional cardholders and individual limits for each card.

How to apply

You can apply for the ANZ Business 55 Interest Free Days credit card online in 10 minutes. Before you apply, make sure you've met the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Eligible Australian business. This card is available to business entities (including sole trader, partnership, company, trust, association or co-operative) operating in Australia. The primary cardholder must be authorised to open an account on behalf of the organisation.
  • Residency. At least one director, partner or proprietor applying for the account must be a permanent Australian resident.

Card benefits

  • $0 annual fee in the first year. This card waives the annual fee for the first year. After the first year, the card's annual fee of $150 will apply. Please note that ANZ may withdraw this offer at any time.
  • Up to 55 interest-free days. If you pay your balance in full by the statement due date, you can improve your cash flow and save on interest costs with up to 55 interest-free days on purchases.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $150 annual fee. The annual fee is charged on the anniversary date of your account activation.
  • Purchase interest rate. Your purchases will be charged 17.74% p.a.

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  1. Default Gravatar
    January 24, 2015

    Can I withdrawn from an ATM from my business one credit card? If I can what is the daily limit?

    • Default Gravatar
      October 8, 2015


      If I pay off my monthly accounts payable statements with this card, Is this considered a cash advance?
      Is this included in the interest free days?
      Do I earn reward points?

      If so, is there a card which allows me to do this, which is not Amex? and earns me FF points.


    • Avatarfinder Customer Care
      October 13, 2015

      Hi Pemni,

      Thanks for your inquiry!

      Monthly accounts payable statements are generally considered cash advances but are dependent on the merchant/company you are transacting with. If they are considered purchases then they can be included on interest-free days. This account does not come with reward points earnings. You can compare frequent flyer cards and compare bonus points offers, flights, upgrades and lounge access. Select ‘Go to Site’ to head over to their website. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.



    • Avatarfinder Customer Care
      January 27, 2015

      Hi Annie,

      Thanks for your inquiry,

      Withdrawals from a ANZ Business One card are possible as it is a VISA card. The daily limit on withdrawals sums of money up to a limit of AUD $1000 – and more if you make special arrangements with ANZ.

      I hope this has helped.



  2. Default Gravatar
    November 24, 2014


    • Avatarfinder Customer Care
      November 25, 2014

      Hi Phillip,

      Thanks for your question.

      You’re charged interest on purchases because that is the way this card, and most credit cards work. You can take advantage of up to 55 days interest-free on purchases when you pay your balance back in full each month to help save on interest charges.

      I hope this has helped.



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