At a glance
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 44
- Annual fee
- $320
- Foreign transaction fee
- 3.50%
- Rewards
- ANZ Rewards Points
- Balance transfer
- 0.00% for 18 mo
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 22.49% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 50th lowest of 51 |
| Rewards cardOngoing purchase rate on a card that earns points | 22.49% | 12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card | 20.99%of 25 institutions | 18th lowest of 25, level with 2 others |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 44 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 37th longest of 42, level with 4 others |
Rates
Every rate ANZ publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferRates are subject to change | - | - | - | 23.49% | - | - |
| Balance transferBalance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing… | - | 18 mo intro | - | 0.00% | - | - |
| Cash advanceRates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers. | - | - | - | 23.49% | - | - |
| PurchaseRates are subject to change | - | - | - | 22.49% | - | - |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Sept 2026 | Balance transfer | 21.99% | 23.49% | up 1.50 |
| 29 Sept 2026 | Cash advance | 21.99% | 23.49% | up 1.50 |
| 29 Sept 2026 | Purchase | 20.99% | 22.49% | up 1.50 |
Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.
Fees
11 fees published, grouped by when they're charged.
While you hold it4
- Account Service Fee
Annual service fee for the credit card account
$320 a year - Additional Cardholder Account Service
Annual service fee for each additional cardholder
$10 a year - Additional Cardholder Rewards Program
Annual service fee for each additional cardholder's membership of the Rewards program
$55 a year - Rewards Program
Annual service fee for membership of the Rewards program
$55 a year
When you make a transaction2
- Cash Advance Fee
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 a…
3.50% of transaction - Overseas Transaction Fee
We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cas…
3.50% of transaction
If a payment is late or fails1
- Late Payment Fee
We charge a Late Payment Fee if you don’t pay the “Minimum Monthly Payment” plus any amount “Payable Immediately” shown on your statement by the “Due Date” shown on that statement. Late Payment Fees… Late Payment Fees are not charged if you hold an ANZ Access Basic Account
$20 1 days after it's due
When particular things happen3
- Balance Transfer Fee
We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer.
3.00% of transaction - Overlimit Fee
We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened… The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.
$20 - Priority Fee
We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.
$50
Other fees1
- Instalment Plan Fee
We may charge an Instalment Plan Fee on any promotional Instalment Plan offers you accept in the future. Details of the fee will be set out in the terms of the offer (and may for example be for a fix…
Varies
Features
Eligibility and limits
- Minimum age 18
- Residency: be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- Amount from $15,000, no maximum
- You are not eligible for this offer if you currently hold or have held an ANZ Rewards credit or ANZ Frequent Flyer card in the last 24 months and meet all other offer eligibility criteria.
Compare it with others
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.