ANZ Low Rate MasterCard

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Save on interest costs with a lower purchase interest rate than standard credit cards


Suitable if you don’t pay off your credit card in full every month

credit card

Ideal for consolidating other credit card debt

At a glance

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Our lowest purchase interest rate

$58 p.a.

Annual fee

Up to 55 days

Up to 55 days interest free on purchases


Special offer


Get $0 annual fee for the first 12 months on all new ANZ credit cards.*

Save on interest


Low interest rate means you could save in interest costs

Transfer your balance


Transfer your balance from another bank’s credit card to an ANZ Low Rate Mastercard and take advantage of our special offer - 1.99% p.a. for 12 months on the transferred balance.~ Find out more about balance transfers



You could set up regular payments from your ANZ Low Rate Mastercard for things like your phone and power bills or your gym membership to make the most of your interest free days


Easy to manage and pay via ANZ Internet Banking, ANZ goMoney, at ATMs, over the phone or at any ANZ branch – it’s your choice


Contactless technology - pay for purchases simply by tapping your card over any Contactless terminal. It’s quick, convenient and secure, as the card never leaves your hands. For purchases over NZ$80 you will need to enter your card PIN



MasterCard’s Zero Liability policy means you’re not liable for unauthorised transactions on your card, provided you haven’t contributed to the loss in any way and you notify us within a reasonable time if your card is lost or stolen #


ANZ’s fraud monitoring system identifies unusual purchasing activity on your account. If we suspect fraudulent activity, we’ll try to contact you to confirm the transaction. If we can’t contact you, we’ll make a decision on whether we need to block your account until we can reach you

Rates and fees

Interest rate on purchases Interest rate on cash advances Interest rate on balance transfers Interest free days on purchases Annual fee Joint or additional card
loading product data(View current rates) loading product data(View current rates) loading product data(View current rates) for 12 months~ Up to 55 days $58 p.a.(charged $29 half yearly) $18 p.a.

Easy ways to apply


Apply online

Apply now


By phone

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm
0800 269 277

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At any branch

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If you don't currently bank with ANZ, you'll need to provide:

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important info iconImportant information

* Offer ends 27 January 2017. After 12 months the standard annual fee will apply. Offer available for all new and approved ANZ credit card customers who open a new ANZ credit card. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer is only available once per customer (not available on multiple cards). Offer not available for existing commercial card relationships. All other fees will still apply.

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply to all credit cards. See Rates, fees and agreements for more information.

# Conditions and exceptions apply. For further details, see MasterCard Zero Liability and the ANZ credit card Conditions of Use.

~ Offer available for a limited time. Balance transfers can be made from non-ANZ Visa and MasterCard, American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from or any branch. After 12 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Low Rate MasterCard (currently 13.90% p.a. on purchases and 22.95% p.a. on cash advances) apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.

This material is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.


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