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Our verdict

Offers 100,000 bonus points, with a $300 annual fee.

Finder Awards winner

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 $5,000 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.

Keep in mind that this card comes with a $300 annual fee, plus, there's a $75 annual rewards fee for each card linked to the account – so make sure you factor that cost in if you want to get additional cards for employees.

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

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.

Details

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	$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	$300
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

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Congratulations, ANZ!

The ANZ Business Black has been named the Best Business Rewards Credit Card in the 2024 Finder Credit Card Awards, a title it also won in 2023. It scored highly for its bonus points and $0 first-year annual fee offers during the 12-month period we analysed. It also earns a competitive 1.5 ANZ Rewards Points per $1 on eligible spending up to $10,000 per statement period, 1 point per $1 after that and 0.5 points per $1 for tax payments.

Full list of 2024 winners

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

New cardholder. To take advantage of the bonus points offer, you must not currently hold or have held an ANZ Qantas Business Rewards and/or an ANZ Business Black within the last 12 months.
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.
Residency. At least one director, partner or proprietor applying for the account must be a permanent Australian resident.
Age. You must be at least 18 years old.
ANZ GoBiz online application requirements. If you're applying through ANZ GoBiz, you need to have been operating under the same ABN or ACN for at least 6 months, have at least 6 months of reconciled financial data in Australian dollars and be registered for GST if your business turnover is at least $75,000 per annum. Your annual turnover also can't be over $10 million.

Required documents

Personal information. You'll need to provide personal details for each person applying for the account, including additional cardholders. This includes your full name, date of birth, address, contact details and proof of identity.
Business details. This includes the business name, address and contact details.
Finances. You may be asked to provide details about your ongoing expenses, assets, liabilities and any other forms of income.

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).
ANZ Rewards. You'll earn 1.5 ANZ Reward Points per $1 on eligible purchases up to $10,000 per statement period, and 1 point per $1 after that. For taxation payments, you'll earn 0.5 ANZ Reward Points per $1 spent.

Additional cardholders. You can add additional cards for employees, with custom monthly spending caps and controls over different merchant categories. Additional cardholders will also earn points per $1 for the account, but there is a yearly $75 rewards fee per card.
Complimentary international travel insurance. This card offers complimentary international travel insurance, including cover for emergency medical and dental expenses, cancellation, loss or damage to personal and business items, rental vehicle excess in Australia insurance and more. As with any insurance policy, make sure you read the policy document for full details.
Transit accident insurance. If you're in an accident during a journey purchased with the card, you, your spouse and any dependent children will be covered under the transit accident insurance policy.
Security. This account offers ANZ Falcon fraud monitoring, as well as Unauthorised Transaction Insurance for up to $37,500 per cardholder and $200,000 p.a. for the account.
Mobile payment technology. You can link your account to Apple Pay, Google Pay, and Samsung Pay to use your eligible smartphone or device to make contactless payments. You can also use your fitness tracker to make tap and pay with Fitbit Pay and Garmin Pay.
ANZ Global Business Concierge service. This 24/7 concierge service is available in 12 languages and can help organise business travel bookings, priority dining reservations, priority access to special events and even advice on where to entertain clients.
Accounting data feeds. The ANZ Business Black Credit Card can be linked to Xero, MYOB, QuickBooks and other popular accounting software services, so you have a data feed directly to your accounting service.

Rates & fees

Annual fee. This card has a $300 annual fee.
Purchase interest rate. A 20.24% p.a. interest rate applies to purchases.

Interest-free days. This card offers up to 55 interest-free days on purchases if you pay the total amount owing on your statement by the due date.
Cash advances. Cash advances, such as ATM withdrawals, will accrue interest at 21.74% p.a.
Minimum credit limit. There is a minimum credit limit of $5,000.

ANZ Business Black information PDF

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Amy Finder

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David

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,

Elizabeth

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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

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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

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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

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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

ANZ Business Black Card

Pros

Cons

Congratulations, ANZ!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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