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0% P.A.
FOR THE FIRST 16 MONTHS
ON BALANCE TRANSFERSdisclaimer

2% Balance Transfer Fee applies

Reverts to standard balance transfer rate, currently  disclaimer

ANZ Low Rate

Apply now    View rates & fees

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

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

$58

Promotional interest rate on balance transfers

Reverts to standard balance transfer rate, currently  disclaimer

0% p.a. (first 16 months)disclaimer

(2% Balance Transfer fee)

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 monitoring for suspicious transactions
  • You won't be liable for fraudulent transactions on your ANZ credit card account 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

ANZ goMoney® gives you a great way to bank on your iPhone or Android. Plus Apple Pay®, Android Pay™ and ANZ Mobile 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).

Protection for your ANZ credit card

ANZ Credit Card Insurance could help you stay on top of your credit card minimum monthly repayments if you experience an unexpected redundancy, illness or injury.disclaimer See ANZ Credit Card Insurance for details including what is covered and the cost. Eligibility criteria apply.

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 or have $50,000 in Australian Authorised Deposit-taking Institution (ADI) accounts 

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, Sat and Sun 10am to 6pm (AEST)

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 the first 16 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate, currently disclaimer

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 goMoney® is provided by and is a trademark of ANZ.

™ 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.

ANZ's colour blue is a trademark of ANZ.

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

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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.

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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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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).

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

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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. 

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..

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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.

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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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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 only available to new and approved credit card applicants who apply for an 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. 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 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 (PDF 328kB). ANZ reserves the right to withdraw this offer at any time.

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