Black Credit Cards – Compare, Review and Apply
Updated: 13 Mar, 2025
Compare Black Credit Cards
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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 Kiwibank Business Low Rate Visa Credit Card | The Kiwibank Business Low Rate Visa Credit Card is a business credit card with a relatively low purchase rate of 12.50% and a relatively low annual fee of $25.00 per card charged as $6.25 per quarter. | 12.50% | N/A | N/A | $25.00 | 49 days |
 ANZ Visa Business Low Rate credit card | The ANZ Visa Business Low Rate Card is a low interest business credit card with a low purchase rate of 13.90% p.a. and an annual fee of $35.00. | 13.90% | N/A | 20.95% | $35.00 | 55 days |
 Westpac Hotpoints World MasterCard Credit Card | Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^. | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 44 days |
 BNZ Advantage Visa Platinum Credit Card | Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^. | 18.95% | N/A | 18.95% | $90.00 | 55 days |
 ASB Visa Business Rewards Credit Card | The ASB Visa Business Rewards Credit Card is a business rewards credit card that allows you to earn either True Rewards or Everyday Rewards. For True Rewards, you get 1 True Rewards Dollar for every $100 you spend with your ASB Visa Business Rewards Credit Card, and for Everyday Rewards, you earn 1 Everyday Rewards point for every $1 you spend on your card. | 19.95% | 0.00% | 22.95% | $70.00 | 50 days |
 ASB Visa Platinum Rewards Credit Card | Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^. | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days |
 ANZ Visa Purchasing Credit Card | The ANZ Visa Purchasing Credit Card is a standard business credit card that make it easier to manage frequent, low value business credit card transactions made by a large number of cardholders. | 20.95% | N/A | 20.95% | $35.00 | Monthly Direct Debit Payment |
 ASB Visa Business Credit Card | The ASB Visa Business Credit Card is a standard business credit card that allows you to have multiple cards for employee with set credit limits for each card. It charges an annual fee of $30.00 and purchase rate of 20.95%. | 20.95% | N/A | N/A | $30.00 | 50 days |
 ANZ Visa Business CashBack credit card | The ANZ Visa Business CashBack credit card is a rewards business credit card that offers $1 cash back for every $90 spent on eligible purchases using the ANZ Visa Business CashBack credit card. It charges $95.00 annual fee and has a purchase rate of 20.95%. | 20.95% | N/A | 20.95% | $95.00 | 55 days |
 ANZ Visa Corporate Credit Card | The ANZ Visa Corporate Credit Card is a standard business credit card that make it easier to manage your business expenses. It charges an annual fee of $35.00 and has a purchase rate and cash advance rate of 20.95%. | 20.95% | N/A | 20.95% | $35.00 | Up to 45 days |
^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.
Compare Black Credit Cards
Black credit cards are platinum cards that usually come in the colour black. These credit cards often come with extensive benefits such as travel lounge access, travel insurance, reward points, buyer protection and much more. You may also be interested in Gold credit cards and prestige credit cards.
After a Prestige credit card? Prestige credit cards are prestigious cards that usually come in black or gold. These credit cards often come with extensive benefits such as travel lounge access, travel insurance, reward points, buyer protection and much more. Visit our prestige credit cards page to view a list of prestige credit card
