Credit Card Compare

ANZ Business Black vs NAB Business Card

Compare ANZ Business Black, NAB Business Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of ANZ Business Black vs NAB Business Card.
ANZ Business Black card
ANZ Business Black
NAB Business Card card
NAB Business Card

Card details

Overall
44Fair
Highest
35Basic
55 days interest-free40/100
Business37/100Highest22/100
Frequent flyer46/100
Low rate49/100
Rewards41/100
Sign-up bonus53/100
Velocity Points46/100

The basics

Card tierBlackStandard
Card typeVisaVisa
Credit ratingGoodGood
Rewards programANZ Rewards ProgramNone
Credit limit$5,000 – $50,000$5,000 – $100,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specifiedNot specified
ResidencyAustralian citizen or permanent residentAustralian citizen or permanent resident
Joint applicationNoNo
Temporary residentsNot eligibleEligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 55 daysHighestUp to 35 days
Minimum repayment2% of the closing balance or $25, whichever is greater2% of the closing balance or $25, whichever is greater

Rates & fees

Ongoing interest rates

Purchases20.24% p.a.16.50% p.a.Lowest
Cash advances21.74% p.a.16.50% p.a.Lowest

Fees

Annual fee$300 p.a.$108 p.a.Lowest
Monthly fee
Additional cardholder fee$75$0Lowest
Cash advance fee1.5% of the amount3% of the amount
Foreign transaction fee3%3%
Late payment fee$35$15Lowest

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

$

Earn rate

Everyday spend1.5 pts per $1 up to $10,000 per statement periodNone
Bonus categoriesNoneNone
Other purchasesNoneNone
Overseas spendNoneNone
ATO/governmentNoneNone
Reduced rate above monthly cap1 pt per $1 above $10,000 per statement periodNone
Points capUncapped
Points expiryPoints don't expire while your account is open and in order.
Estimated annual points204,000 ptsWorth $1,020

Sign-up bonus

Sign-up bonus150,000 points
Bonus spend required

Transfer partners

Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $133)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.5 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 0.75 pts per $1)

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
ANZNAB