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0% p.a. for 30 months

on balance transfers with no balance transfer fee and $0 annual fee in First Year with a new ANZ Low Rate credit card. 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

Apply nowView rates & fees

It only takes around 5 minutes to apply.

ANZ Low Rate

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

ANZ Low Rate credit card with our low  standard interest rate on eligible purchasesdisclaimer

 ANZ Falcon™ gives you extra security and confidence when you shop  

Tap and go securely with ANZ Visa payWave™

Rates and fees

The important numbersdisclaimer

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Interest free period on purchases

Up to 55 daysdisclaimer

 

Annual fee

$58disclaimer

Promotional interest rate on balance transfers

Reverts to standard balance transfer rate, currently 20.24% p.a.

  

0% p.a. for 30 monthsdisclaimer

Minimum credit limit

$1,000

Additional cardholders
(at no additional cost)

Up to 3

Features and trade-offs

More than just a low purchase rate 

 Another way to pay in your wallet. ANZ Low Rate has our lowest interest rate on purchases.disclaimer It also comes with the security features and convenience that other ANZ credit cards offer. 

Features and trade-offs

Features

  • A low interest ratedisclaimer on purchases compared to all other ANZ cards
  • A low annual fee (but not our lowest annual fee compared to the ANZ First card)
  • Up to 55 days interest free on purchasesdisclaimer 

Trade-offs

  • Overseas transaction fees apply
  • No ANZ Rewards or Qantas Points benefits
  • No complimentary insurances

Secure and convenient shopping

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock transaction monitoring
  • You won't be liable for fraudulent transactions on your ANZ credit card with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement

Just tap and go

Securely pay for purchases under $100 with ANZ Visa payWave ™ – simply tap and go with your card at participating merchants – no need to swipe, dip or enter a PIN.

  

More reasons to choose ANZ Low Rate

Get exclusive access to entertainment offers

Experience exclusive presales, offers, giveaways and benefits with Visa Offers + Perks. Head to visa.com.au/offers to sign up and get started.

  

Enjoy max cashback offers

Join Cashrewards Max and link your ANZ Low Rate credit card to access higher cashback offers with a range of leading retailers.disclaimer

Easy Ways To Bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ card,disclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct.

   

Eligibility

Can I apply?

To apply for an ANZ Low Rate credit card, you need to:

  • Be 18 years of age or over, and
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa
  • Have a good credit rating. Find out more about Credit Reporting

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply.


Other ways to apply:  Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm.

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

Choose the card for you

Compare each card’s benefits, rates and fees – or, use our product selector tool to help you choose.

Compare credit cards Go to Product Selector

Want to check your application status?

Email us at anzcards@anz.com to request an update. Please include your credit card application reference number in the subject line of the email.

Email ANZ Credit Cards Team

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

™ 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.

 

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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.

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The 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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For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement of account in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing customers should review their credit contract for information regarding their account.

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The standard variable annual percentage interest rate is  on purchases,  on cash advances and  on standard balance transfers for ANZ Low Rate,  on purchases,  on cash advances and  on standard balance transfers for ANZ First,  on purchases,  on cash advances and   on standard balance transfers for ANZ Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Platinum,  on purchases,  on cash advances and  on standard balance transfers for ANZ Frequent Flyer Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Platinum and  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Black,  on purchases,  on cash advances and  on standard balance transfers for ANZ Rewards Travel Adventures. These rates are current as at  and are subject to change.

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments.

Terms and conditions apply to the use of Apple Pay and Google Pay.

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