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 rewards fee per card linked to the account.
ANZ Business Black Card
- Bonus points
- 100,000
- Purchase rate
- 20.24% p.a.
- Reward points per $ spent
- 1.5
- Annual fee
- $300 p.a.
Our verdict
Offers 100,000 bonus points, with a $300 annual fee.
Pros
-
100,000 bonus ANZ Reward Points
-
Up to 1.5 ANZ Reward Points per $1 spent on eligible purchases
-
Access to the ANZ 24/7 Global Business Concierge service
Cons
-
$75 yearly rewards fee per card linked to the account
-
No introductory offers on purchases and balance transfers
Details
Product details
Product Name | ANZ Business Black |
Purchase rate p.a. | 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 | $5,000 |
Card type | Visa |
Eligibility
Available to temporary residents | No |
Joint application | No |
Rewards
Rewards program | ANZ Rewards Program |
Bonus points | 100,000 |
Rewards points per $ spent | 1.5 |
Rewards points cap | Uncapped |
Fees
Annual fee | Annual fee $300 |
Late payment fee | $35 |
Foreign currency conversion fee | 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 |
Your reviews
Amy Finder
Editor
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
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,
Elizabeth
Show more Show less
anthony
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!
Cheers,
Reggie
Show more Show less
Cono
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.
Regards,
Jhezelyn
Show more Show less
Chase
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.
Cheers,
Ash
Show more Show less
Chris
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.
Thanks,
Jonathan
David
July 02, 2023
Traveling to uk. Will hire car excess be covered by anz black card