In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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ANZ Business Low Rate
Terms and conditions apply
Purchase rate
12.99% p.a.
Annual fee for the first year ($100 p.a. thereafter)
$0 p.a.

Our verdict

Offers a $0 annual fee in the first year and a 12.99% purchase rate, but no interest-free days for purchases.

The ANZ Business Low Rate Credit Card has the bank’s lowest annual fee and purchase interest rate in its business card range. Its 12.99% p.a. interest rate for purchases is at the low end of the scale for business credit cards in Australia. But unlike many other cards, it doesn't offer interest-free days on purchases. So, it's typically more suited to small and medium businesses that carry a balance from month-to-month.


  • $0 annual fee for the first year ($100 p.a. thereafter)
  • A low interest rate of 12.99% p.a. on purchases
  • Unauthorised Transactions Insurance, which protects your business against misuse of your cards


  • There is no interest-free period, so your spending attracts interest straight away
  • No extra perks like rewards or airport lounge passes

In this guide

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

The ANZ Business Low Rate Credit Card gives you a way to manage business spending, with additional cards for employees, customisable spend limits and unauthorised transaction insurance. It also offers 24/7 account monitoring and worldwide emergency card replacement. While the first-year annual fee waiver saves you $100 p.a. on the annual fee that applies from the second year, it's important to consider how much value you'll get from this card's other features to justify the costs.


Product details

Product Name ANZ Business Low Rate
Purchase rate p.a. 12.99%
Interest-free period
Cash advance rate p.a. 14.49%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Bonus points N/A


Annual fee $0 first year ($100 after)
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
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 Low Rate credit card online in around 20 minutes through ANZ GoBiz. For this option, you need to connect your accounting software (Xero, MYOB or Intuit QuickBooks) to the platform.

Alternatively, you can request a callback through the ANZ website or call 1800 032 481 between 8am and 6pm (AEST), Monday to Friday. Before you apply, make sure you and your business meet 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

  • First year annual fee waiver. The ANZ Business Low Rate Credit Card offers a $0 annual fee in the first year. After the first 12 months, an annual fee of $100 will apply each year on the anniversary of your account opening. Please note that ANZ may withdraw this offer at any time.
  • Low purchase interest rate. Your purchases will attract a 12.99% p.a. interest rate from the date they are made.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $100 p.a.
  • Cash advance interest rate. This card charges a low cash advance rate of 14.49% p.a.

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