ANZ Business Black
Data last updated 27 July 2026
20.24%
Purchase rate
$300
Annual fee
150,000
Bonus points
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CardIQ
44Fair
Fair
Overall score, out of 100 · How this works
- 55 days interest-free40
- Business37
- Frequent flyer46
- Rewards41
- Sign-up bonus53
- Velocity Points46
Customer reviews
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Pros & cons
What's good
- 150,000 bonus points to start, worth around $750 at our 0.5c-per-point valuation.
- Complimentary concierge service.
- Points transfer to 4 frequent flyer programs, including Air New Zealand Airpoints, Cathay (Asia Miles) and Singapore Airlines KrisFlyer.
Worth noting
- The $300 annual fee is toward the top of the market (the median is $70).
- The 20.24% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- The 1.5-point rate on everyday spend applies only to the first $10,000 spent each statement period, then drops to 1 point per $1.
- 3% foreign transaction fee on overseas spending.
Card details
The basics
- Additional cardholder fee
- $75 p.a.
- Card tier
- Black
- Card type
- Visa
- Card use
- Business
- Credit limit
- $5,000 – $50,000
- Credit rating
- Good
- Rewards program
- ANZ Rewards Program
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.74% p.a.
- Purchases
- 20.24% p.a.
Fees
- Additional cardholder fee
- $75
- Annual fee
- $300 p.a.
- Cash advance fee
- 1.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $35
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1.5 pts per $1 up to $10,000 per statement period
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- 1 pt per $1 above $10,000 per statement period
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- 150,000 points
Transfer partners
- Air New Zealand Airpoints
- 200 pts → 1 pt (≈ 1 pt per $133)
- Cathay (Asia Miles)
- 3 pts → 1 pt (≈ 0.5 pts per $1)
- Singapore Airlines KrisFlyer
- 3 pts → 1 pt (≈ 0.5 pts per $1)
- Velocity Frequent Flyer
- 2 pts → 1 pt (≈ 0.75 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
- Denpasar
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts.
- London
- Flying Qatar Airways via Doha, using transferred Velocity points. Economy 80,000 pts.
- Los Angeles
- Flying United Airlines non-stop, using transferred Velocity points. Economy 48,000 pts, Premium Economy 73,500 pts, Business 102,000 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred Velocity points. Economy 29,000 pts, Premium Economy 57,500 pts, Business 74,000 pts.
- Tokyo
- Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.
FeatureThis cardWhere it ranks
Interest-free days55 daysTied for best (1st of 37 cards)
Overseas fee3.00%Top 25% (7th of 39 cards)
Rewards value$270 a yearMiddle of the market (13th of 21 cards)
Purchase rate20.24%Not as good as most cards (28th of 34 cards)
Annual fee$300 a yearNot as good as most cards (33rd of 39 cards)
Sign-up bonus$750Among the weakest we track (9th of 10 cards)
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- ANZ
- Program
- ANZ Rewards