ANZ Business Black Credit Card

My monthly spend: 
$5,000
 
offer
card features
rewards program
earn rate
sign up bonus
your earnings
ANZ Business Black Credit Card
APPLY BY 31 dec 17
4 reviews
1.5 ANZ Reward Points per $1 you spend on eligible purchases. (Excluding taxation payments) up to $10,000 in the statement period.
1 ANZ Reward Point per $1 you spend on eligible purchases (excluding taxation payments) over $10,000 in the statement period.
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ANZ Rewards
ANZ Rewards
1 pt
per $1 spent capped
-

Pros & cons

What's good?

What's not so good?

1.5 ANZ Reward Points per $1 you spend on eligible purchases. (Excluding taxation payments) up to $10,000 in the statement period.
1 ANZ Reward Point per $1 you spend on eligible purchases (excluding taxation payments) over $10,000 in the statement period.
$0 p.a. annual fee and $0 rewards fee for the first year.
0.5 ANZ Reward points per $1 spent on taxation payments.
Complimentary overseas and transit insurance (conditions apply).
ANZ Global Business Concierge service.
ANZ Spend Insights.
You can use Apple Pay, Android Pay and ANZ Mobile Pay.
A very high second year annual fee of $300 p.a.
An additional cardholder fee of $150 p.a.

Eligibility criteria, T&Cs, fees and charges apply. Offer for applications received before 31 December 2017.

User reviews

3.8 out of 5.0 based on 4 reviews75% of reviewers would recommend this card.

Rates and fees
Rewards
Customer service
Convenience
Trust
Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

Convenient, secure, easy points accumulation

Reviewed and recommended by Graeme on 12 Dec 2016

I love my business black credit card. I use it for most of my business transactions, and it is easy to accumulate points and the points system is very easy to use.

It makes buying things online very convenient, and gives me confidence that I have safe transactions online.

The fees are also very low, so I don’t even notice them. I have the bank automatically take money out of my main business account to pay the card so I don’t fall behind on payments.

Good, until annual fee is charged

Reviewed and recommended by Simon on 11 Dec 2016

This card has a good rewards program but has a high annual fee after the first year.

The travel insurance has rental car excess, which is handy for interstate travel, but be wary of Terms and Conditions.

Some of the American Express promotional offers have good savings.

The ANZ mobile apps are very basic. Don’t expect to see transactions until three days after your purchase. They seem designed to sell you ANZ products more than tell you about your existing one.

ANZ explained card features simply and clearly

Reviewed and recommended by Matilda on 06 Dec 2016

I would have to say that the ANZ Business Black Credit Card is a must-have. I got amazing customer service from ANZ, as they taught me all the valuable features of the card in simplistic ways.

It is also extremely convenient when purchasing, as it is just a touch to purchase items. I recommend everyone to get this card, as they will not regret it.

Bank not very flexible

Reviewed and not recommended by Sarah on 23 Sep 2016

I would rather have a card with interest-free periods and no fees so I could get things over a period of time interest free.

I would not choose to go with this bank again. They are not very flexible and I get charged every time I use it. A one-off fee would be much better. At least then you know how much extra you are going to have to pay. But like any credit card, the one bonus is you have that back-up there if you need it.

Basic details

About this card

Card setup
Single
Card tier
Black
Card type
Visa
Card use
Business
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
ANZ Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$150 p.a.

Credit limits

Minimum credit limit
$10,000
Maximum credit limit
N/A

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances 1.81% 21.74% p.a.
Purchases 1.69% 20.24% p.a.

Fees

Annual fee
$0 p.a.
Annual fee 2nd year
$300 p.a.
Cash advance fee
1.50%
Dishonour fee
$12
Duplicate statement fee
$0
Foreign exchange fee
0%
Late payment fee
$35
Over limit fee
$20
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$0
Overseas emergency card replacement fee
$0
Transaction verification fee
$0

Rewards

Cool stuff you can get with your points

Disclaimer: Does not include taxes, fees, or charges. Accurate as of 25th January 2016.

Rewards program basics

First purchase bonus
N/A
Reward points expiry
N/A
Rewards program
ANZ Rewards
Sign up bonus
N/A
Spend required for bonus points

Earning points with this card

ATO payment earns rewards
0.5 pts per $1 spent
Frequent flyer points
1 pt per $1 spent
Overseas earn rate
3 pts per $1 spent
Points cap per month
10,000
Points cap per year
120,000
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
Yes

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are eligible
Age Pension, Disability Pension and Veteran's Pension are acceptable.
Overseas Pension and Widower's Pension are not acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Austudy, Foster Care Allowance and Youth Allowance are not acceptable.
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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