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ANZ Low Rate Visa (0% p.a. first 22 months on BT with 1.5% BT fee applies. Reverts to standard balance transfer rate, currently 20.24% p.a.*)

Purchase Rate
12.49% p.a.
Cash Advance Rate
20.24% p.a.
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Interest Free
Up to 55 days
Annual Fee
$58.00
Balance Transfer Rate
0% p.a. for first 22 months
  • Get 0% p.a. for 22 months on balance transfers and $0 Annual Account Fee in First Year with an ANZ Low Rate credit card (1.5% Balance Transfer Fee applies).
  • *Reverts to standard balance transfer rate, currently 20.24% p.a. In each subsequent year, standard Annual Account Fee (currently $58) applies. 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.
  • $0 annual fee for the first year - $58 thereafter
  • 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.
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Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$58.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $58.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Other Charges

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. 0% P.A. for 22 months on balance transfers and $0 Annual Account Fee in First Year with an ANZ Low Rate credit card (1.5% Balance Transfer Fee applies) Reverts to standard balance transfer rate, currently 20.24% p.a.² In each subsequent year, standard Annual Account Fee (currently $58) applies.¹ Eligibility criteria, T&Cs, 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.

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