ANZ
ANZ Business Black
A credit card facility for businesses where you can earn rewards on eligible transactions and receive domestic and international travel insurance
Credit cardsBank updated 16 Mar 2026
At a glance
- Purchase rate
- 20.24%
- Cash advance
- 21.74%
- Interest-free days
- 55
- Annual fee
- $300
- Foreign transaction fee
- 3.00%
- Rewards
- ANZ Rewards Points
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceRates are subject to change | — | — | — | 21.74% | — | — |
| PurchaseRates are subject to change | — | — | — | 20.24% | — | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 1.50% of transaction | — | A fee will be charged for each Cash Advance, except where it is obtained through an ANZ ATM. The fee will be the greater of $1.50 and 1.50% of the Cash Advance amount plus any ATM operator fee. For C… |
| Over Limit | Event | 5.00% of transaction | — | A fee will be charged if the Closing Balance shown on a Statement of Account exceeds the Facility Limit. The Overlimit Fee will be the lesser of 5% of the overlimit amount and $50. |
| Payment Dishonour | Event | $12 | — | — |
| Late Payment Fee | Late payment | $35 | 1 days after due | — |
| Account Service | Periodic | $300 | Every 1 yr | — |
| Rewards Fee | Periodic | $75 | Every 1 yr | — |
| Overseas Transaction | Purchase | 3.00% of transaction | — | On the value of any International Transaction charged or credited to an ANZ Business One Facility. |
§ 03 — Features
Digital bankingUnlimited transactions55 interest-free daysApple PayGoogle PaySamsung PayFitbit PayGarmin PayANZ Rewards PointsUnauthorised Transactions InsuranceDomestic Travel InsuranceInternational Travel Insurance
§ 04 — Eligibility & limits
- · Available to businesses
- · Amount $5,000 to $50,000
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 16 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.