ANZ Low Rate MasterCard

ANZ Low Rate MasterCard

Low now, low later

Take control of your finances with our 2.99% p.a. interest for six months on balances transferred from another bank's credit card, plus a great on-going low rate of 13.90% p.a. on purchases.

A low ongoing interest rate for purchases – which could save you hundreds of dollars in interest each year (a different interest rate may apply for cash advances).

If you don't pay off your credit card balance in full each month, the ANZ Low Rate MasterCard could be the credit card for you.

With a purchase interest rate lower than most credit cards, the ANZ Low Rate MasterCard gives you the flexibility to make repayments that suit your budget.

An ANZ Low Rate MasterCard also has “ANZ Contactless” functionality. This means that you can make purchases under NZ$80 where you see a Contactless EFTPOS terminal, by simply tapping your card when instructed.

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Interest rate on purchases
Interest rate on cash advances
Interest rate on balance transfers    
2.99% p.a. for the first six months*
Interest free days on purchases
Up to 55 days
Annual fee
$58 p.a.
(charged $29 half yearly)
Additional card
$18 p.a.
(charged $9 half yearly)
  • Access your ANZ cheque or savings accounts through your credit card.
  • With a PIN on your card, you can access your accounts 24 hours a day at 350,000 ATMs around the world that display the Visa PLUS symbol (cash advance and currency conversion fees apply).

*Your interest rate will revert to the standard interest rate at the end of the first six months. Interest rates are subject to change.

Your ANZ credit card will be inactive when your receive it.

To activate your card:

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Call 0800 658 044 (international +64 9 522 3010)
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Call ANZ Phone Direct (0800 103 123)

When you apply for an ANZ credit card, we may ask you to provide proof of income and identification.

Proof of income

One of the following:

  • your most recent payslip or salary notice
  • copies of bank statements that show your pay or salary deposits
  • a letter from your employer confirming your income
  • an Inland Revenue Department (IRD) "summary of earnings" notice.

If you're self-employed, you must supply:

  • signed financial statements for the past two years
  • a signed personal Statement of Financial Position
  • your personal tax return.
Proof of identification

A copy of one or two items from List A. If you provide only one item from List A, you must also provide one item from List B.

List A

  • Current passport
  • New Zealand drivers licence
  • Photo credit card.

List B

  • Most recent bank statement
  • Debit card
  • Credit card
  • Community services card
  • Club or society card.

How to apply

For more information or to apply for an ANZ Low Rate MasterCard:

Apply online icon
Apply online
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Call 0800 ANZ CARDS (0800 269 277) 8am to 8pm, Monday to Friday and 9am to 4pm, Saturday
Enquire online icon
Enquire online
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Visit your nearest ANZ branch

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