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ANZ Low Rate Credit Card

The ANZ Low Rate Credit Card offers 0% p.a. balance transfer rate for a 26 month promo period, or $250 back to your new card. Ongoing benefits include a low ongoing interest rate.


Updated 14 April 2025


Fact checked and verified. Updated 14 April 2025
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Expert Review

As the name suggests, the ANZ Low Rate credit card is ANZ's low interest rate product. Featuring a competitive Purchase interest rate of 13.74% p.a., which is ANZ's lowest, and including up to 55 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% lowest purchase rates. Further, the product has a $58 annual fee. As a result, this card ranks among the lowest 25% annual fee products.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no additional cardholder fees.

This ANZ Low Rate credit card currently features a choice of two introductory offers.

Offer 1: Balance Transfer and $0 Annual Fee in first year.
For a limited time the ANZ Low Rate credit card has a special 0% p.a. Balance Transfer offer for 26 months. Of note, there is also a 3% p.a. Balance Transfer fee which should be considered when evaluating the overall benefit of this offer. In addition, the product also has a $0 annual fee in first year, which is a saving of $58. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.
Offer 2: $250 back to your new card.
For a limited time the ANZ Low Rate credit card has a $250 back to your new card offer. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
A credit card with a low ongoing interest rate for your everyday purchases."
- ANZ
Rewards

•

No rewards program

Fees
Account Fees

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$58 annual account fee

Additional Cardholder Fees

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No additional cardholder fee

•

Up to 3 additional cardholders

Transaction Fees

•

3.00% international transaction fee

Other fees may apply.

Rates

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13.74% p.a. variable purchase rate

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21.99% p.a. variable cash advance rate

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Up to 55 interest free days on purchases

Offers
Balance Transfer Offer

0% p.a. balance transfer rate for a
26 monthpromo period (3.00% BT fee applies), reverts to 21.99% p.a.

$0annual fee in first year

0% p.a. for 26 months on balance transfers plus $0 annual fee in first year. 3% balance transfer fee applies. 26 month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently 21.99% p.a. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).
Credit Back Offer

$250back to your new card

Get $250 back to your new ANZ Low Rate credit card when you spend $1,500 in the first 3 months from approval. T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $58).
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the ANZ website.

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