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Low Rate credit cards

Good news. Low rate credit card standard interest rates on purchases are now even lower than before.

A credit card with a low ongoing interest rate for your everyday purchasesdisclaimer plus Overseas Travel and Medical Insurancedisclaimer.

OFFER

Enjoy $250 back to a new ANZ Low Rate Platinum credit card when you spend $500 on eligible purchases in the first 60 days of approvaldisclaimer

The important numbersdisclaimer

Annual account fee

$99

Interest rate on purchases

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Interest rate on cash advances

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Interest rate on standard balance transfers

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PLUS

Complimentary insurance for your travel and purchases

(eligibility criteria apply, including using your eligible card to make the purchase)

For overseas travel:

For travel within Australia:

For your purchases:

PLUS

24/7 Personal Concierge

A Personal Concierge, accessible 24 hours a day

A credit card with a low ongoing interest rate for your everyday purchases.disclaimer

OFFER

Enjoy $100 back to a new ANZ Low Rate credit card when you spend $500 on eligible purchases in the first 60 days of approvaldisclaimer

The important numbersdisclaimer

Annual account fee

$58

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Interest rate on promotional balance transfers

Spend $500 on eligible purchases in the first 60 days.
Eligibility criteria, terms and conditions, fees and charges apply.disclaimer

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

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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 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 - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof 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.

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Offer available to new and approved applicants who apply for an ANZ Low Rate Platinum card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or when transferring from an existing ANZ credit card. This offer applies only once per eligible customer. Your application must be approved and you must make $500 worth of eligible purchases (transactions which do not qualify as a purchase are described in the ANZ Credit Cards Conditions of Use (PDF 328kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes) within 60 days of approval to receive the $250 Back. The $250 will be credited to your account within two months of the eligible spend criteria being met. It will be applied to the purchases balance and it does not constitute a payment under your contract with ANZ. If the account is transferred, cancelled or not in good order before the $250 is processed, you may become ineligible for this offer.

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Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the Premium Cards - insurances booklet (PDF 366kB).

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

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Offer available to new and approved applicants who apply for an ANZ Low Rate card account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or when transferring from an existing ANZ credit card. This offer applies only once per eligible customer. Your application must be approved and you must make $500 worth of eligible purchases (transactions which do not qualify as a purchase are described in the ANZ Credit Cards Conditions of Use (PDF 328kB), for example fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes) within 60 days of approval to receive the $100 Back. The $100 will be credited to your account within two months of the eligible spend criteria being met. It will be applied to the purchases balance and it does not constitute a payment under your contract with ANZ. If the account is transferred, cancelled or not in good order before the $100 is processed, you may become ineligible for this offer.

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Qantas Points and Bonus Qantas Points accrue in accordance with and subject to the ANZ Frequent Flyer Reward Terms and Conditions booklet (please call 13 13 14 for a copy). Purchases which are not eligible to earn Points are described in the ANZ Frequent Flyer Reward Terms and Conditions booklet, e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes, will not earn Points. Account Holder must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership of the Qantas Frequent Flyer program is subject to the Terms and Conditions of the Qantas Frequent Flyer program. Earn rates and earn rate bands are subject to change. Existing customers should call 13 13 14 for information regarding their account.

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Reward Points accrue in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB) (please call 13 13 14 for a copy). Purchases which are not eligible to earn Rewards Points are described in the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 87kB), e.g. fees, cash, cash equivalent transactions, balance transfers, premiums paid for ANZ Credit Card Insurance and transactions for gambling or gaming purposes will not earn Reward Points.

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