ANZ Low Rate Visa (0% p.a. first 15 months on balance transfers. No Balance Transfer Fee. Reverts to standard balance transfer rate, currently 20.24% p.a.*)

Purchase Rate

12.49 %
p.a.
Cash Advance Rate
20.24% p.a.
Interest Free
Up to 55 days
Annual Fee
$58.00
Balance Transfer Rate
0% p.a.
for first 15 months
  • Get 0% p.a. first 15 months on balance transfers* with an ANZ Low Rate credit card and no Balance Transfer Fee.
  • *Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, T&Cs, fees and charges apply.
  • 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.
  • 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.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance
Terms & Conditions
Eligibility and How to Apply: -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 3 additional card holders at no extra cost. *No Balance Transfer Fee. Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, Terms and Conditions, fees and charges apply. Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card. 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 www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

* 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.

ANZ Low Rate Visa (0% p.a. first 15 months on balance transfers. No Balance Transfer Fee. Reverts to standard balance transfer rate, currently 20.24% p.a.*)

Purchase Rate 12.49 % p.a.
Cash Advance Rate 20.24% p.a.
Interest Free Up to 55 days
Annual Fee $58.00
Balance Transfer Rate 0 % p.a. for first 15 months

Top Features

  • Get 0% p.a. first 15 months on balance transfers* with an ANZ Low Rate credit card and no Balance Transfer Fee.
  • *Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, T&Cs, fees and charges apply.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $58.00
Minimum Repayment Greater of 2% or $25.00
Annual Fee First Year $58.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $20.00
Supplementary Card Fee $0.00
Duplicate Statement Fee -
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $20.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions

Eligibility and How to Apply: -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 3 additional card holders at no extra cost. *No Balance Transfer Fee. Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, Terms and Conditions, fees and charges apply. Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card. 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 www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

* 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.