ANZ
ANZ Low Rate
A credit card with a low ongoing interest rate for your everyday purchases
Credit cardsBank updated 31 Aug 2026
At a glance
- Purchase rate
- 13.74%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Annual fee
- $58
- Foreign transaction fee
- 3.50%
- Balance transfer
- 21.99%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferRates are subject to change | — | — | — | 21.99% | — | — |
| 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. | — | — | — | 21.99% | — | — |
| PurchaseRates are subject to change | — | — | — | 13.74% | — | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | Additional Info 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. Tran… For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. |
| Balance Transfer Fee | Event | 3.00% of transaction | — | 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. |
| Overlimit Fee | Event | $20 | — | 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… You will not be charged an Overlimit Fee where ANZ provides you with an Informal Overlimit amount during the Statement Period and: - you hold an ANZ Access Basic Account; or - we determine that: (1)… |
| Priority Fee | Event | $50 | — | We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. |
| Late Payment Fee | Late payment | $20 | 1 days after due | 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 |
| Instalment Plan Fee | Other | Varies | — | https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf |
| Account Service | Periodic | $58 | Every 1 yr | — |
| Overseas Transaction Fee | Purchase | 3.50% of transaction | — | 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… |
§ 03 — Features
Digital bankingFraud protectionBalance transfersInstalment plans55 interest-free days3 additional cardsApple PayGoogle PaySamsung PayFitbit PayGarmin Pay
§ 04 — Eligibility & 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 $1,000 to no maximum
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ under the Consumer Data Right, last changed by them on 31 Aug 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.