ANZ Low Rate

More than just a low rate on purchases.

ANZ Low Rate

Current offer

0% p.a. first 16 months on balance transfers (+2% Balance Transfer Fee).1

Apply now

60 second response

You pay, you get

Rates and fees2

loading product data(View current rates) interest rate on purchases3

loading product data(View current rates) interest rate on cash advances3

$1000 minimum 
credit limit

$58 annual fee

Rewards and benefits

Feature 1
Up to 55 interest free days4 on purchases
Feature 1
Global Network – immediate worldwide access to your funds
Feature 1
MasterCard Global Service™ – putting you in touch with a representative – 24 hours a day, 365 days a year
Feature 1

Shop with extra security and confidence

ANZ Falcon
ANZ Falcon™ provides advanced, around-the-clock monitoring for suspicious transactions.

ANZ’s Fraud Money Back Guarantee gives you the security to shop online with more confidence – you won't be liable for fraudulent transactions on your ANZ credit card account6.

Get extra convenience

ANZ goMoneyTM
ANZ goMoneyTM App
Provides you with a great way to bank on your iPhone or Android. Anytime. Anywhere5.
ANZ MasterCard PayPassTM
ANZ MasterCard PayPassTM
Contactless payment feature allows you to securely pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.
Convenient ways to bank
Convenient ways to bank
ANZ Phone, Internet, or Mobile Banking, or personalised service at any ANZ branch in Australia.
Additional features

Save money on entertainment deals

  • Join eDine® to discover new restaurants and dine out with special offers and discounts7.

How to apply

Call ANZ direct
Call 13 33 33, Monday to Friday, 8am to 8pm (AEST), Saturday & Sunday, 10am to 6pm (AEST)

Once approved, you may expect to receive your credit card within five business days. You don’t need to be an ANZ customer to apply for ANZ Low Rate credit card.

  • You are over 18 years of age
  • You have a good credit rating
  • You are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ Credit Card account. If you require a Platinum credit card account or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000

Considering ANZ Low Rate Platinum?

ANZ Low Rate Platinum

For an extra $41 p.a., ANZ Low Rate Platinum gives you access to a range of benefits such as overseas travel and medical insurance8.

Apply now

Important information

Terms and conditions are available on application. Fees and charges apply.

View ANZ terms, conditions, fees and charges.

1. Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate credit card account with the balance transfer by 30 June 2015. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is loading product data(View current rates) for ANZ Low Rate as at loading product data(View current rates) and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. ANZ reserves the right to withdraw this offer at any time.

2. All applications for credit are subject to ANZ's credit assessment criteria.

3. Standard annual percentage interest rate is loading product data(View current rates) on purchases and loading product data(View current rates) on cash advances as at loading product data(View current rates) and is subject to change.

4. Interest free  periods on the purchases do not apply if you do not pay your Closing Balance ( or, if applicable, your 'Closing Balance' less Instalment Plan and Buy Now Pay later plan balances) shown on each statement of account in full by the applicable due date . Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

5. ANZ goMoney™ for Android™ is only available in Google Play™. ANZ goMoney™ for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Temporary service disruptions may occur.

6. Provided you do not contribute to the loss and have notified ANZ within a reasonable period of time of any suspected fraud or misuse of the card.

7. Terms and Conditions apply to eDine.

8. The Overseas travel and medical insurance master policy, the Transport accident cover master policy and Rental excess cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth), The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - insurances booklet PDF 356kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof of that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

ANZ goMoney™ is provided by and is a trademark of ANZ.

TM ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. FalconTM is a trademark of Fair Isaac Corporation.

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