ANZ Low Rate

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

• Lending Rate Type: Introductory
• Interest Rate: 0.00%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Additional Cards Additional Information: Up to 3 additional cardholders, (at no additional cost).

• Interest Free Additional Information: Up to 55 days interest free days on purchases

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Banking Additional Information: Access using ANZ Internet Banking or ANZ App

• Bill Payment

• Balance Transfers

• Fraud Protection Additional Information: The product includes fraud protection features.

• Cashback Offer Additional Information: $250 back to your new card when you spend $1,500 in the first 3 months from approval. T&Cs, eligibility criteria, fees and charges apply. The amount of the cashback offer (in AUD). Subject to terms, conditions and eligibility criteria, the product has a cashback offer for opening an account or by spending at a certain retailer.

• Cashback Offer Additional Information: ANZ has teamed up with Australia’s leading cashback program Cashrewards. Join Cashrewards for free to access cashback offers from more than 2,000 popular retailers and get more for your money!

• Instalment Plan

• Cashback Offer Additional Information: Earn $250 back to your new ANZ Low Rate credit card when you spend $1,500 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter). The offer is available to new ANZ home loan applicants who apply for a new ANZ credit card and new ANZ Home Loan in the one application and are approved for that new ANZ credit card.

• Interest Free Transfers Additional Information: 30-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.Superscript:5 T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

• Interest Free Transfers Additional Information: This offer applies to existing ANZ credit cards only. The offer is for a Promotional Plan balance transfer of 0% p.a. for 18 months, with a 3% Balance Transfer Fee. The balance transfer amount will be charged interest at the Promotional Plan annual percentage interest rate from the date the balance transfer is processed. At the end of the Promotional Plan period, the standard annual percentage rate for balance transfers will apply to any unpaid Promotional Plan balance. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Conditions apply

 Product Eligibility

• Min Age - 18. Additional Information: You must be 18 years of age or older to apply

• Residency Status - Australian Citizen, Australian Permanent Resident, New Zealand Citizen Or Have More Than 9 Months Left On A Valid Working Visa, Student Visa, Business Visa Or Investor Visa.

 Bank Fees and Charges

• Account Service (Periodic), Amount: 58.00.

• Cash Advance (Withdrawal), Amount: Not Listed.. Additional Information: Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. P1Y

• Overseas Transaction Fee (Purchase), Amount: Not Listed.. Additional Information: P1Y

• Late Payment (Event), Amount: 20.00. Additional Information: P1Y

• Over Limit (Event), Amount: 20.00. Additional Information: P1Y

• Instalment Plan Fee (Variable), Amount: 0.00. Additional Information: Instalment Plan fees are determined when a customer accepts an instalment plan.

• Balance Transfer Fee (Variable), Amount: 0.03. Additional Information: A Balance Transfer Fee may be charged when a customer does a balance transfer.

• Priority Fee (Event), Amount: 50.00. Additional Information: We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00

 Document Downloads

  personal-account-fees-charges.pdf (258.9 KB)
  anz-creditcards-conditions-of-use.pdf (347.7 KB)