skip to log on skip to main content

0% P.A. FOR 15 MONTHS
WITH NO BALANCE TRANSFER FEEdisclaimer

Reverts to standard balance transfer rate, currently   disclaimer Eligibility criteria, T&Cs, fees and charges apply.

 

Apply now

It only takes five minutes to apply.

Enjoy a low interest rate on purchasesdisclaimer

Apply for an ANZ Low Rate credit card today and you’ll enjoy  on purchases our lowest rate in years.disclaimer

ANZ Low Rate - The highlights

  • Tap and pay with Apple Pay, and Google Pay™disclaimer
  • Shop securely with ANZ Falcon™ and ANZ Fraud Money Back Guaranteedisclaimer

It only takes five minutes to apply.


Important numbers

ANZ Low Rate promotional offer

0% p.a. for 15 months with no Balance Transfer Feedisclaimer

Reverts to standard balance transfer rate, currently disclaimer Eligibility criteria, T&Cs, fees and charges apply.

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

 

Annual account fee

$58

Minimum credit limit

$1,000

Additional cardholders
(at no additional cost)

Up to 3

Interest free period on purchases

Up to 55 daysdisclaimer

Eligibility

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

Not the right card for you?

Still not sure? We’ll help you find the ANZ credit card that could best suit your needs.

Compare credit cards

A credit card with low ongoing interest rate for your everyday purchases

Pay using your device

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).

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.

   

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply.

 

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

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.

™ 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.

For 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).

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 balance transfer Promotional Plan annual percentage rate expires 15 months after the date the credit card application is approved, and after the first 15 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

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

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.

Back to top

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

Back to top

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB). Existing customers should review their credit contract for information regarding their account.

Back to top