The Finance Algorithm
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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 5 Oct 2026
Apply at ANZ ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
20.24%
Cash advance
21.74%
Interest-free days
44
Annual fee
$300
Foreign transaction fee
3.00%
Rewards
ANZ Rewards Points
ANZ Business Black

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 20.24%Every other institution's lowest, 13 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest business credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Business credit card purchase rateOngoing purchase rate, not introductory offers20.24%6.96%Greater Bank's Business Visa Credit Card13.49%of 14 institutions11th lowest of 14, level with one other

Rates

Every rate ANZ publishes for this credit card, 2 in all.

TypeApplies toTermBandRateComparisonConditions
Cash advanceRates are subject to change---21.74%--
PurchaseRates are subject to change---20.24%--

Fees

7 fees published, grouped by when they're charged.

While you hold it2

  • Account Service
    $300 a year
  • Rewards Fee
    $75 a year

When you make a transaction2

  • Cash Advance Fee

    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…

    1.50% of transaction
  • Overseas Transaction

    On the value of any International Transaction charged or credited to an ANZ Business One Facility.

    3.00% of transaction

If a payment is late or fails1

  • Late Payment Fee
    $35 1 days after it's due

When particular things happen2

  • Over Limit

    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.

    5.00% of transaction
  • Payment Dishonour
    $12

Features

Digital bankingUnlimited transactions44 interest-free daysApple PayGoogle PaySamsung PayFitbit PayGarmin PayANZ Rewards PointsUnauthorised Transactions InsuranceDomestic Travel InsuranceInternational Travel Insurance

Eligibility and limits

  • Available to businesses
  • Amount $5,000 to $50,000

Published by ANZ under the Consumer Data Right, last changed by them on 5 Oct 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.