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ANZ Visa Business card

An ANZ Visa Business card helps make your business easier to manage. It could save you hours on administration and improve your cash flow – giving you more time and flexibility to progress your business.

Three card options

You can choose the benefits that best suit your business:

  • AirpointsTM Rewards - Earn Airpoints DollarsTM for purchases you and your employees make on your Visa Business Card account. Earn 1 Airpoints Dollar for every $75 spent on eligible purchasesdisclaimer, or 1 Airpoints Dollar for every $50 spent directly with Air New Zealand (for the first $25,000 spent directly with Air New Zealand per business per annum)disclaimerFind out more.
  • CashBack Rewards -  Be rewarded for your business spending - receive up to 1% cash back on all eligible purchasesdisclaimer with your credit card during a 12-month period (you only need to spend $5,000 per year to qualify for a CashBack Reward)disclaimer.
  • Low Rate - Make the most of a lower interest rate and you could save money on interest costs

Features and benefits

  • Improved cash flow - with up to 55 interest free days on purchases (or up to 44 interest free days on purchases with the Airpoints Rewards option)disclaimer.
  • Control over expenditure - you can have up to 9 cards on an account with the ability for each card to be assigned an individual spend limit.
  • Protection against unauthorised use - with complimentary Liability Waiver Insurancedisclaimer.
  • Easy reporting and analysis - ANZ Internet Banking or ANZ Direct Online reporting options give you clear visibility of your spend and will help you to track and analyse your business expenditure. ANZ can also support the transfer of data to some third party accountancy platforms.
  • Extended warranty insurance - when you purchase goods for your business using your ANZ Visa Business Card, the original manufacturer’s warranty on those goods is either doubled or extended by up to 12 months (up to a total warranty period of 48 months)disclaimer.

Interest rates and fees

  Airpoints CashBack Low Rate
Interest rate on purchases

Interest rate on cash advances

Annual fee $145 p.a.  
$95 p.a.  
$35 p.a.  
Joint or additional card $10 p.a.  
$10 p.a.  
$10 p.a.  
Interest rate on balance transfersdisclaimer 1.99% p.a.
for 24 months 
1.99% p.a.
for 24 months
1.99% p.a.
for 24 months

Apply for an ANZ Visa Business card

Apply online

Apply for a Visa Business Card


For more information


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ANZ Business Start-up Package

If you’re in your first two years of business, you could apply for an ANZ Business Start-up Package and save on fees on an ANZ Business Current Account and an ANZ Business Flexible Facility for the first 12 monthsdisclaimer.

Learn more


A copy of the Bank's General Disclosure Statement  under the Reserve Bank of New Zealand Act 1989 is available on this website or on request from any ANZ branch, free of charge.

AirpointsTM Programme and Airpoints for Business Programme terms and conditions apply. Visit for details.

Interest rates are subject to change.

ANZ Visa Business Conditions of Use apply to the use of the Card, a copy of which, along with details of fees, is available by calling 0800 269 249, at any branch or on our website under Terms and Conditions.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

Eligible purchases do not include cash advances, balance transfers, interest, fees, government charges including tax payments and child support payments, the purchase of cash substitutes (such as travellers cheques), gambling transactions, transactions resulting from returned purchases or disputed transactions.


For the first $25,000 spend per annum after which earn rates is 1 Airpoints Dollar per $75 of spend. To get the higher Airpoints Dollar earn rate purchases must be made direct from Air New Zealand via or the Air New Zealand Contact Centre. See the ANZ Airpoints Visa Guide (PDF 574kB) for more information.


Minimum spend of $5,000 per year is required to qualify for a CashBack Reward. The CashBack Reward is calculated with two earning tiers in place - 0.5% for Annual Spend $5,000-$9,999; 1% for Annual Spend $10,000+. The CashBack Reward will be automatically paid to your credit card account 12 months after the first purchase is made on your card account. For further details, please refer to section 26 of the ANZ Visa Business Conditions of Use within the ANZ Visa Business Credit Card Guide.


Liability Waiver Insurance is brokered by JLT Specialty Ltd and underwritten by Lloyds of London. Terms, conditions and exclusions apply. For details, including how to make a claim, refer to the Visa Business Credit Card Guide - Conditions of Use in Section 28.


Extended Warranty cover is provided by American Home Assurance Company (New Zealand branch) (AHAC), a member of American International Group, Inc. Terms, conditions and exclusions apply, for full details please refer to ANZ Visa Business Credit Card Guide - Conditions of Use in Section 27.


Package details are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities.


Balance transfer offer:  Offer available for a limited time. Balance transfers can be made from most non-ANZ Visa or Mastercards (ASB, Bank Direct, BNZ, KiwiBank, TSB or Westpac), American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from or any branch. After 24 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Low Rate Visa apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.


Package eligibility and terms and conditions apply. Package details are subject to change. Lending criteria, terms and conditions and fees apply to all lending facilities. Service fees may apply. See for full details.