ANZ - Low Rate Credit Card
Balance Transfer offer
The ANZ Low Rate credit card has an initial 0% balance transfer rate for 28 months. It has a $0 annual fee in the first year ($58 thereafter), a purchase rate of 13.74% and up to 3 additional cardholders at no fee.
A first-year annual fee of $0 and a 0% p.a. balance transfer rate for 28 months.
Annual Fee
$0 for the first year reverts to $58 per year thereafter
Balance Transfer
0% for 28 months reverts to 21.99% p.a.
3% BT fee applies.
3% BT fee applies.
Purchase Rate
13.74% p.a.
Interest Free Period
up to 55 days
Details
Card Type
Visa
Minimum Repayment
2% or $25
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$1,000
Fees
Annual Fee
$0 for the first year
reverts to $58 per year thereafter
Late Payment Fee
$20
per statement
Cash Advance Fee
3% or $20
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 3
additional holders
Rates
Purchase Rate
13.74% p.a.
Cash Advance Rate
21.99% p.a.
Balance Transfer
Balance Transfer
0% for 28 months
reverts to 21.99% p.a.
3% BT fee applies.
3% BT fee applies.
Balance Transfer Limit
95%
of credit limit
Balance Transfer Fee
3%
per transaction
Overseas Spending
Foreign Currency Conversion Fee
3%
per transaction
Overseas ATM Withdrawal Fee
$5
per transaction
Eligibility
Minimum Age
18
years old
Temporary Residents
Yes
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
ANZ Low Rate card has been designed for individual customers who:
- Require a credit card facility (being a line of credit) to make purchases or perform other transactions.
- Are likely to carry a substantial balance frequently from month to month or value a low interest rate on purchases above other card benefits.
- Want a credit card facility with a credit limit of at least $1,000 or $6,000 having regard to card features and benefits.
- Can satisfactorily demonstrate they are able to afford to repay the credit card facility.
Visit ANZ to view Target Market Determination Effective From: 2023-12-04.
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