ANZ Low Rate

More than just a low rate on purchases.

ANZ Low Rate

Current offer

0% p.a. on balances transferred from non-ANZ cards for the first 12 months then unpaid balance reverts to the standard annual percentage interest rate on balance transfers, currently loading product data(View current rates)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
  • Join ANZ Wine Club and save on great Australian wine

How to apply

Call ANZ direct
Call 13 33 33, Monday to Friday, 8am to 8pm (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.

Eligibility
  • 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
  • View ANZ terms, conditions, fees and charges
Important information

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

1. Offer only available to applicants who apply for the balance transfer by 30 June 2014. Offer available in respect of balances transferred from non-ANZ accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. For credit card applicants the balance transfer must be requested at the time of applying for, or activating, the credit card. For credit card applicants, the Promotional Plan annual percentage interest rate expires 12 months after the date the credit card application is approved, and any amounts forming part of the relevant Promotional Plan balance at that time will be allocated to the standard balance transfers balance of the credit card account. The standard annual percentage interest rate is loading product data(View current rates) on purchases and standard balance transfers and loading product data(View current rates) on cash advances for ANZ Low Rate as at loading product data(View current rates) and is subject to change.  Terms and conditions apply to balance transfers (please call 13 13 14 for a copy). Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.

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.

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

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

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 insurance.

Apply now