Scenario
Business credit cards — supplementary-card mechanics for NZ SMEs
Business credit cards are issued to a registered NZ business entity (NZBN required). Typical features: multiple supplementary cards with per-card spending limits, expense-tracking exports, and business-tier rewards programs. The snapshot below shortlists cards classified as business.
Snapshot generated Invalid Date · 3 matching cards · Mechanical only — not financial advice.
Illustrative — 3 supplementary cards, $50/year each
On a business card with a $150 primary annual fee + $50 per supplementary, three additional staff cards add $150 — so the total annual cost is $300. Per-card spending limits (set by the primary cardholder) cap exposure. The per-card review surfaces the supplementary-card fee from each issuer's Conditions of Use.
Illustrative example — not an offer, not a quote. Per-card cost calculator on each review page uses the actual purchase APR for that card.
Shortlist from the current snapshot
| Card | Annual fee | Supplementary card | Purchase APR | Rewards mechanic | |
|---|---|---|---|---|---|
| ANZ Business One Rewards Visa ANZ | — | — | — | Two reward options available: (1) Airpoints Dollars earned on eligible purchases credited monthly to Airpoints for Business Account; (2) CashBack Rewards at $1 per $90 spent on eligible purchases, credited annually to the card account. | View → |
| ASB Business Platinum Mastercard ASB Bank | — | — | — | — | View → |
| BNZ Business Mastercard BNZ | — | — | — | — | View → |
What to look for
- ✓ Supplementary-card fee per additional card
- ✓ Per-card spending limits — most issuers allow the primary cardholder to set these
- ✓ Expense-tracking export — CSV / Xero / Hubdoc integrations vary by issuer
- ✓ CCCFA coverage — most small-business cards remain CCCFA-covered; large corporate facilities aren't
Frequently asked questions
Do I need a registered company to apply?
You need an NZ Business Number (NZBN) — sole traders qualify with their NZBN. The application typically requires personal guarantees from directors / sole trader.
Are business-card rewards GST-relevant?
Possibly — depends on whether the rewards are treated as a discount on the underlying spend (no GST impact) or as separate consideration. Consult an accountant.
Can I claim the annual fee as a business expense?
Generally yes if the card is used predominantly for business. Apportionment may apply if used for both personal and business spend.
Methodology
Worked examples on this page are illustrative (marked data-illustrative). Card-specific figures are mechanical pulls from the snapshot — every fact carries a source-tier chip. Approval, credit limit, and pricing decisions sit with each issuer under CCCFA and the Responsible Lending Code.