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Balance transfer offers

If you have debt on a non-ANZ credit card or store card, you may be able to take advantage of our balance transfer offers and transfer it onto an ANZ personal credit card account (subject to approval).

Low Interest Rate credit card offer

  • Low ongoing interest ratedisclaimer for your everyday purchases
  • ANZ Falcon™ provides round-the-clock transaction monitoring


0% p.a. for 30 months on balance transfers with no balance transfer fee and $0 annual fee in First Year.disclaimer

Reverts to standard balance transfer rate, currently disclaimer after 30 months. T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $58 thereafter).disclaimer


Things to consider

Balance Transfer Fees

Some promotional balance transfer offers may attract a one-off Balance Transfer Fee. Please refer to the terms and conditions of your promotional balance transfer offer for details. 


How is a Balance Transfer Fee calculated?

The Balance Transfer Fee will be calculated as a percentage of the balance being transferred to your ANZ credit card account. When this fee applies, it’ll be identified in the terms and conditions relating to the promotional balance transfer offer.


Find out how to apply for a balance transfer

New approved account holders:

Existing ANZ credit card customers: 

Learn more about balance transfers or find more details, including the documents and information you’ll need, on our How to make a balance transfer page.


Not what your looking for

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Standard annual percentage interest rate for ANZ Low Rate Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.


The standard annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.


Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate credit card account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice. 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. This offer applies only once per eligible customer. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card. Offer only applies to balance transfers requested at the time of applying for the credit card.

The ANZ Low Rate Annual Account Fee (“Annual Fee”) will be waived in the first year from the date you accept the letter of offer (“First Year”). The Annual Fee will be charged on the first statement of account after the end of the First Year and annually thereafter. The Annual Fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

The balance transfer Promotional Plan annual percentage rate expires 30 months after the date the credit card application is approved, and after the first 30 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ Low Rate as at  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.