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Using your ANZ Low Rate credit card

Welcome to ANZ Low Rate MasterCard®. The credit card with an ongoing low rate for everyday purchases.disclaimer




Getting the most out of your card

Here are some handy tips to help you get the most value from your ANZ Low Rate card.


More ways to pay using your phone

Pay securely and easily using your phone with Apple Pay® or Android Pay™ anywhere you can tap and pay.

Choose your own PIN

For your security, change your pre-chosen PIN for one that’s easy to remember by visiting us in branch or going to the PIN change screen at any ANZ ATM.


Set up recurring payments

Spend more time doing the things you want to do, by setting up recurring payments for your utilities, telecommunications and insurance service providers, to name a few. We've put together a list of popular service providers and their contact details.


Add an additional cardholder with no extra fee

By adding an additional cardholder, you can simplify and consolidate your household's everyday spending. Add up to three additional cardholders. Find out how to add additional cardholders.

Explore your benefits

Enjoy our lowest interest rate on purchases and shop with confidence with our extra security features.disclaimer


Priceless cities

Discover a unique collection of experiences curated exclusively for MasterCard cardholders.

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

Emergency information

We get it – accidents happen. Credit cards get lost, items get stolen. So we’ve compiled the most common emergency information in one place – just in case!

Claim on insurance

How to claim

Lost or stolen

Report lost or stolen card

Replacement card

Order a new card

Emergency numbers

View contact numbers

Getting started


ANZ Internet Banking

Log in or Register (for new customers)
Go to the Accounts menu and select Activate ANZ card


Call 1800 652 033 or
+61 3 8699 6996 from overseas anytime


Visit an ANZ branch
A staff member can help to activate it for you


ANZ Internet Banking 

Register for ANZ Internet Banking to manage your account.


Get the ANZ App for easy banking on your mobile phone or device.

Sign up for eStatements

Pay using your phone

Add your eligible ANZ card to your iOS device using Apple Pay via ANZ App or Android device using Android Pay.

Manage credit card payments

  • Log on to ANZ Internet Banking
  • Choose the linked account to pay your ANZ Credit Card from.
  • Choose to make a one off payment or recurring credit card payments.

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.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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