ANZ Business 55 Interest Free Days Credit Card
4.0
Highlights
- No annual fee for the initial year ($150 p.a. afterward).
- Enjoy up to 55 days interest-free on purchases by paying your account in full monthly.
- Benefit from complimentary additional cardholders.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
No
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
99
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
19.24% p.a.
Cash Advance Fee
$1.50
Cash Advance Fee Percentage
1.5%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
17.74% p.a.
Account fees
Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$150.00
Dishonour Fee
$12.00
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$35.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The Basics
- Additional cardholders. Add staff as cardholders, each with their own monthly spending cap, transaction limit, and merchant category controls so they can't use it at unauthoried suppliers/stores.
- Digital wallets. You can use this card with Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are not blocked as standard, but will be treated as cash advances.
- Integrations. Works with popular accounting packages, such as Xero, MYOB, and QuickBooks.
Rewards and benefits
- Complimentary travel insurance. Complimentary international travel insurance is not available with this card.
- Concierge services. Being a no-frills card, access to a 24 / 7 concierge service is not available.
- Insurances. This card comes with fraud protection and unauthorised transaction insurance against unauthorised card use up to the value of $37,500 per cardholder (with a maximum of $200,000 per annum).
- Rewards points. This credit card does not have a rewards program.
- Sign up bonus. There is no sign up bonus for this card at this time.
Rates and fees
- Annual fee. The first year is free, reverting to the ongoing annual fee of $150 p.a.
- Balance transfers. There is currently no balance transfer offer for this card.
- Cash advances. If you use this card for a cash advance, or a transaction classified as a cash equivalent, ANZ will immediately apply the 19.24% p.a. interest rate. In addition to the interest rate, ANZ will charge a one-off fee to process the cash advance.
- Foreign exchange fee. Purchases made while overseas or with online stores based overseas stores will incur a 3% foreign transaction fee.
- Interest-free period. You'll get up to 55 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
- Purchases. There is currently no introductory offer on purchases. Any purchases made with this card will attract interest at the rate of 17.74% p.a.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
This product has not been reviewed yet. Click here to write your review and help others make a better decision.
