skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

0% P.A. FOR 15 MONTHS
WITH NO BALANCE TRANSFER FEEdisclaimer

Reverts to standard balance transfer rate, currently 21.74% p.a.disclaimer Eligibility criteria, T&Cs, fees and charges apply.

Apply nowView rates & fees

It only takes around 5 minutes to apply. Get a response in 60 seconds.

ANZ Low Rate

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

Low rate credit card standard interest rates on purchases are now even lower than beforedisclaimer

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

ANZ MasterCard® PayPass™  lets you securely tap and go 

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 account fee

$58disclaimer

Minimum credit limit

$1,000

Additional cardholders
(at no additional cost)

Up to 3

Features and benefits

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. 

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

You can securely tap and go for purchases under $100 with ANZ MasterCard® PayPass™ – no need to swipe, dip or enter a PIN at participating merchants.

More reasons to choose ANZ Low Rate

Priceless Cities

Discover a unique collection of experiences curated exclusively for MasterCard cardholders.

Easy ways to bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus Apple Pay®, and Android Pay™ let you use your compatible Apple® or Android™ 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 (PDF 64kB).

Eligibility

Can I apply?

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

  • Be 18 years of age or over 
  • Have a good credit rating 
  • Be a permanent Australian resident, earning a minimum annual income of $15,000 
  • Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $15,000 

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

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply and you get a response in 60 seconds.


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.

Looking for more choices?

A credit card with a low ongoing interest ratedisclaimer for your everyday purchases plus Overseas Travel and Medical Insurancedisclaimer

OFFER

0% p.a. for 15 months with no Balance Transfer Feedisclaimer Reverts to standard balance transfer rate, currently 21.74% p.a.disclaimer Eligibility criteria, T&Cs, fees and charges apply.

Not sure which credit card is right for you?

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

™ 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.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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 at www.anz.com 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, or ANZ Low Rate Platinum 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. 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. The balance transfer Promotional Plan annual percentage rate expires 15 months after the date the credit card application is approved, and after the first 15 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 and  for ANZ Low Rate Platinum 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.

Back to top

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

Back to top

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the '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 (PDF 468kB).

Back to top

The Annual Account Fee for ANZ Low Rate is current as at  and subject to change.

Back to top

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

Back to top

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.

Terms and conditions apply to the use of Android Pay.

Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android, Android Pay and the Android Logo are trademarks of Google Inc..

Back to top

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.

Back to top

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 Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 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 Allianz 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 relevant policy booklet before you make any decision to acquire it.

Back to top