ANZ Low Rate

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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is 21.74% p.a. 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.

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

For all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).

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).

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

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..

ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). 

This advice is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before you purchase ANZ Credit Card Insurance you should consider whether the advice is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read and consider the ANZ Financial Services Guide and the ANZ Credit Card Insurance Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

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

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.

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 Westfield Gift Card. The Westfield Gift Card will be mailed to the mailing address provided at the time of application for the ANZ Low Rate Platinum credit card account within three months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Low Rate Platinum credit card account before receiving the Westfield Gift Card, you may become ineligible for the Westfield Gift Card. Some retailers may choose not to accept Westfield Gift Cards. Westfield Gift Card terms and conditions apply and are issued by Westfield Gift Cards Pty Ltd ACN 113171663.