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ANZ Low Rate Credit Card

The ANZ Low Rate Credit Card offers great rates on Purchases and Balance Transfers in conjunction with a raft of features designed to make this a real contender as one of the top value credit cards in Australia.

The value story starts with the Purchase rate of 13.49% p.a. and continues with the low annual fee of just $58 p.a, plus.

Introductory offer: Purchase Rate of 0% p.a. for the first 6 months PLUS $100 cash back

Offer Conditions: Purchase Rate reverts to 12.49% p.a. at the end of the 6 month promotional rate period. The $100 cash back will be credited to your account 2 months after card activation.

The value continues with the features which are packed into this credit card including

MasterCard Global Service, which puts you in touch with a representative 24 hours a day, 365 days a year, worldwide emergency credit card replacement and access to a range of services - Secure Sentinel, eDine, ANZ Wine Club, MasterCard Applause and ANZ Car Rental Cover.

Not only is the ANZ Low Rate MasterCard a great value card it also comes fully featured with a focus on security, convenience and service.

  • Up to 55 days interest free - on purchases
  • Up to three additional credit cardholders - at no extra cost
  • Android Pay - with your Android device tap and pay at checkout
  • ANZ Falcon™ - delivering advanced, around-the-clock monitoring for suspicious transactions. You won't be liable for fraudulent transactions on your ANZ credit card account with ANZ’s Fraud Money Back Guarantee.
  • Worldwide emergency credit card replacement
  • MasterCard Applause - offers you exclusive tickets to theatre, dance, musicals and sporting events
  • ANZ’s Fraud Money Back Guarantee - gives you the security to shop online with more confidence – you won't be liable for fraudulent transactions on your ANZ credit card account
  • MasterCard PayPass - allows you to securely pay for purchases under $100 without swiping, signing, or entering a PIN
  • Priceless Sydney - entitles you to a number of complimentary gifts and experiences at merchants across Sydney as a MasterCard holder
  • Convenient ways to bank - ANZ Phone, Internet, or Mobile Banking
  • Design your own card - design your own card by simply loading your favorite image or choose from a library of images using ANZ designmycard
Credit Card Details
Provider ANZ
Prestige Level Standard
Credit Card Type MasterCard
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 12.49% p.a.
Cash Advance Rate 21.74% p.a.
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer 0% p.a. interest on Purchases for the first 6 months Plus $100 cash back.
Offer end date -
Rewards Program No
Rewards Points -
Acceptance Criteria
Age to Apply 18
Min. Income $15,000
Residency Australia
Temporary residents Yes, with a 457 Visa
Min. Credit Limit $1,000
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $58
Over Limit Fee $20
Duplicate Statement fee $0
Late Payment Fee $20
Min. Monthly Repayment % 2%
Max. Credit Limit -
Cash advance fee 2% of transaction value
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee $4
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.