To apply for an ANZ Low Rate credit card, you need to:
- Be 18 years of age or over
- Have a good credit rating. Find out more about Credit Reporting
- 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
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.
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.
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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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. 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 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
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).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