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0% p.a. for 25 months on
balance transfers

and $0 annual fee in First Year with an ANZ Low Rate credit card
(1.5% Balance Transfer Fee applies).disclaimer

Reverts to standard balance transfer rate, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for first year, $58 thereafter).disclaimer

Apply nowView rates & fees

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™

Rates and fees

The important numbersdisclaimer

Interest rate on purchases


Interest rate on cash advances


Interest rate on standard balance transfers


Interest free period on purchases

Up to 55 daysdisclaimer


Annual fee


Minimum credit limit


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 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

Just tap and go

Securely pay for purchases under $100 with ANZ Visa payWave ™ – simply tap and go with your card at participating merchants – no need to swipe, dip or enter a PIN.


More reasons to choose ANZ Low Rate

Get exclusive access to entertainment offers

Experience exclusive presales, offers, giveaways and benefits with Visa Offers + Perks. Head to to sign up and get started.


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.



Can I apply?

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

How to apply

Like the sound of this card?

Apply now

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.

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 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.

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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. Existing customers should review their credit contract for information regarding their account.

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The Annual Account Fee ("Annual Fee") for ANZ Low Rate is current as at  and 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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Mobile payments available on compatible devices and eligible ANZ cards. View the full list at

Terms and conditions apply to the use of Apple Pay and Google Pay.

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