0% p.a. for 22 months on
balance transfers
and $0 Annual Account Fee in First Year with an ANZ Low Rate credit card (1.5% Balance Transfer Fee applies).disclaimer
balance transfers
Reverts to standard balance transfer rate, currently disclaimer In each subsequent year, standard Annual Account Fee (currently $58) applies.disclaimer Eligibility criteria, T&Cs, fees and charges apply.
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™
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
- 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
More reasons to choose ANZ Low Rate
Get exclusive access to entertainment offers
You’ll get complimentary membership to Visa Entertainment, giving you access to special offers, ticket pre-sales and movie screenings.
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 (PDF 64kB).
Not sure which credit card is right for you?
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. 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 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 (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).
The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 1.5% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The balance transfer Promotional Plan annual percentage rate expires 22 months after the date the credit card application is approved, and after the first 22 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 topThe 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 topFor 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 topInterest 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 (PDF 518kB). Existing customers should review their credit contract for information regarding their account.
Back to topThe Annual Account Fee for ANZ Low Rate is current as at and subject to change.
Back to topProvided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.
Back to topMobile 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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