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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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. This offer applies only once per eligible customer. 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. Offer only applies to balance transfers 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 and ANZ Personal Banking General Fees and Charges.
The balance transfer Promotional Plan annual percentage rate expires 30 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 30 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. 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.
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The 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, 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 428kB). Existing customers should review their credit contract for information regarding their account.
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The standard variable annual percentage interest rate is on purchases, on cash advances and on standard balance transfers for ANZ Low Rate, on purchases, on cash advances and on standard balance transfers for ANZ First, on purchases, on cash advances and on standard balance transfers for ANZ Platinum, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer Platinum, on purchases, on cash advances and on standard balance transfers for ANZ Frequent Flyer Black, on purchases, on cash advances and on standard balance transfers for ANZ Rewards, on purchases, on cash advances and on standard balance transfers for ANZ Rewards Platinum and on purchases, on cash advances and on standard balance transfers for ANZ Rewards Black, on purchases, on cash advances and on standard balance transfers for ANZ Rewards Travel Adventures. These rates are current as at and are subject to change.
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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.
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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.
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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 and Google Pay.
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