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ANZ Low Rate (0% p.a. first 16 months on
balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*)

ANZ Low Rate (0% p.a. first 16 months on
balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*)

Purchase Rate
12.49 %
p.a.




Cash Advance Rate 21.74% p.a.
Interest Free Up to 55 days
Annual Fee$58
Balance Transfer Rate 0% p.a.for first 16 months

  • 0% p.a. first 16 months on balance transfers with a 2% Balance Transfer Fee. Reverts to standard balance transfer rate, currently 21.74% p.a.*
  • Simply transfer your non-ANZ credit, charge or store card balances to an ANZ Low Rate.
  • Offer ongoing until further notice.
  • Low ongoing interest rate of 12.49% p.a. on purchases.
  • Up to 55 days interest free credit on purchases.
  • $58 annual fee.
  • MasterCard acceptance at over 34 million locations worldwide.
  • Apple Pay® and Android Pay™ let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $58 Minimum Repayment Greater of 2% or $25
Annual Fee First Year $58 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $20
Supplementary Card Fee $0    
Duplicate Statement Fee Overseas ATM Balance Fee $0
Transaction Verification Fee Overseas ATM Withdrawal Fee $4
Over Limit Fee $20 Overseas Emergency Card Replacement Fee $0

Visit the issuer's website for additional information. Go to site

Terms & Conditions
3 additional card holders at no extra cost. *2% Balance Transfer Fee applies. Reverts to standard balance transfer rate, currently 21.74% p.a. Eligibility criteria, Terms and Conditions, fees and charges apply. Apple Pay® and Android Pay™ let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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