To apply for an ANZ Low Rate credit card, you need to:
- Be 18 years of age or over, and
- Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa
- Have a good credit rating. Find out more about Credit Reporting
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
- Details of your living expenses, such as regular bills
- ANZ account number or Customer Registration Number (if you have one)
- Your email address
It only takes around 5 minutes to apply.
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.
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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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 and ANZ Personal Banking General Fees and Charges.
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 25 months after the date the credit card application is approved, and after the first 25 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
The 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
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. Existing customers should review their credit contract for information regarding their account.Back to top
The Annual Account Fee ("Annual 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