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ANZ

ANZ Low Rate

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Balance Transfer

0% p.a. for 30 months on balance transfers with no Balance Transfer Fee and $0 Annual Fee in First Year with an ANZ Low Rate credit card. *New card. Reverts to Std. BT Rate, currently 20.24% p.a. after first 30 months. T&Cs, elig crit, fees & charges apply, (inc. Ann. Fee, currently $58, after 1st yr).

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RateCity Says: A credit card that charges a low purchase rate and no annual fee so thrifty cardholders can keep costs down.

Purchase Rate

Purchase Rate

12.49

% p.a

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 30 months then 20.24%

Annual Fee

Annual Fee

$0

for 12 months then $58

Max Free Days

Max Free Days

55

Late Payment Fee

$20

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Purchase Rate

Purchase Rate

12.49

% p.a

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 30 months then 20.24%

Annual Fee

Annual Fee

$0

for 12 months then $58

Max Free Days

Max Free Days

55

Late Payment Fee

$20

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Quick credit card review

For Low Rate

These are the benefits of this credit card.

  • Lower than average ongoing purchase rate
  • Reduced $0 annual fee in the first 12 months and $58 p.a thereafter.
  • Lower than average annual fee
  • Apple Pay, Google Pay and Samsung Pay available
  • Free supplementary cards

These are the drawbacks of this credit card.

  • No reward program

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Credit card overview

For Low Rate

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Details

Card Level

Standard

Card Type

Visa

Interest Free Days

Interest Free Days

55

Minimum monthly repayment

2% or $25

Minimum credit limit

$1k

Maximum credit limit

No set max

Free supplementary cards

Number free supplementary

3

Instant Approval

Fees

Annual Fee

Annual Fee

$0

for 12 months then $58

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$20

Over limit fee

$20

Duplicate statement fee

$0

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Electronic Wallet Service

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Important Rates

Rates

Purchase Rate

Purchase Rate

12.49

% p.a

Cash advance rate

20.24%

Cash advance fee

2% or $4

Balance Transfer

Balance Transfer Rate

Balance Transfer Rate

0

% p.a

for 30 months then 20.24%

Transfer Limit

95%

of the approved credit limit

Balance Transfer Fee

$0

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Overseas spending

Foreign Exchange Fee

3% on Visa

Overseas charges

Overseas charges

$6

Estimated ATM Cost

$15

for AU $300 withdrawal

Rewards

Program name

Rewards Available

Eligibility

Minimum age

18

Minimum income

$0

Eligibility conditions

A non-permanent resident with more than 9 months remaining on your Visa

Residency

Australia Citizen, Permanent Resident, Business Long Stay Visa, Temporary Visa 12 Months Valid, 457 Visa holder

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Perks

  • FREE SUPPLEMENTARY CARDS
Specials
  • Balance Transfer 0% p.a. for 30 months on balance transfers with no Balance Transfer Fee and $0 Annual Fee in First Year with an ANZ Low Rate credit card. *New card. Reverts to Std. BT Rate, currently 20.24% p.a. after first 30 months. T&Cs, elig crit, fees & charges apply, (inc. Ann. Fee, currently $58, after 1st yr).

Target Market Determination

Visit ANZ to view Target Market Determination.

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