ANZ Business Low Rate

Purchase Rate
12.99% p.a.
Cash Advance Rate
14.49% p.a.
Interest Free
Up to 0 days
Annual Fee
  • Save $100 with no Annual Card FeeSuperscript:1 for the first year on a new ANZ Business Low Rate credit card. Applications must be submitted and approved.
  • ANZ may terminate or withdraw this offer at any time without prior notice.
  • Interest rate on purchases currently 12.99% p.a.
  • Interest rate on cash advances currently 14.49% p.a.
  • Minimum credit limit $1,000.
  • View balances, transfer money and make payments simply and easily with the ANZ App.
  • Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $100.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2.00% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $35.00

Other Charges

Duplicate Statement Fee $14.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $50.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you. ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF 104kB) before acquiring the product. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions and Fees and charges apply. ANZ Commercial Card Terms and Conditions (PDF 1.5MB) and ANZ Commercial Cards Fees and Charges (PDF 84kB) apply. 1. Offer available to new and approved applicants who apply for a new ANZ Business Low Rate account. ANZ may terminate or withdraw this offer at any time without prior notice. The Annual Card Fee offer applies only once per eligible customer. The Annual Card Fee will be waived in the first year for customers who submit an application for a new ANZ Business Low Rate account. The Annual Card Fee waiver is applicable for one year subsequent to the date you accept the ANZ Commercial Card Terms and Conditions in respect of the new ANZ Business Low Rate account. In each subsequent year, the Annual Card Fee will be charged yearly in advance on the anniversary of the date the first Commercial Card is opened on the ANZ Business Low Rate account. The Annual Card Fee is currently $100 per annum but is subject to change. 2. For all applicable fees & charges please see the ANZ Commercial Cards Fees and Charges (PDF 84kB). 3. Standard variable interest rate as at Monday, 13 January 2020 and is subject to change. 4. Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud. 5. We are making changes to our complimentary insurances, including removal of certain covers effective 27 April 2022. Unauthorised Transactions Insurance and Transit Accident Insurance are part of a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit licence 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the ANZ Commercial Cards Terms and Conditions (PDF 456kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

* 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).

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