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ANZ Low Rate Visa

Get up to $75 back on fuel at BP when you pay for your fuel using the bpme app 

See more information on this offer >

Apply now View rates and fees

 It only takes 10-15 minutes

Introducing our lowest purchase rate, lowest annual fee credit card

interest rate on purchases

$35 p.a.
annual fee, charged $17.50 half-yearly

Up to 55 days
interest free on purchases


Save on card fees
With our lowest annual fee you'll save on card fees.

Our lowest interest rate
If you’re not paying your balance off in full each month, it’s a great card to keep your interest costs down on purchases.

Consolidate debt
Ideal for consolidating other credit or store card debt.

Transfer your balance
Transfer your balance from another bank’s credit card to an ANZ Low Rate Visa and take advantage of our special offer -  for 12 months on the transferred balance.disclaimer More about balance transfers >

Set up regular payments from your ANZ Low Rate Visa for things like your phone and power bills or your gym membership to make the most of your interest free days.

Contactless payments
Simply tap your card on the terminal when instructed.  For purchases over NZ$80 you will need to enter your card PIN. As the card never leaves your hands, it’s the quick and secure way to pay for purchases.

Get up to $75 back on fuel at BP when you pay with your new ANZ Low Rate Visa using the BPMe app

Simply apply for an ANZ Low Rate Visa.

Visit the App Store or Google Play to download the BPMe app.

Once you’re approved and have received your new ANZ Low Rate Visa, add it to the BPMe app.

To get up to $75 back, pay for your fuel at BP using the BPMe app, within three months of opening your card.

See important information for more details on this offer >


Visa Zero Liability

Visa’s Zero Liabilitydisclaimer 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.

Fraud monitoring

ANZ’s fraud monitoring system helps to identify suspicious purchasing activity on your card 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.

Lost or stolen cards

If you have lost your credit card, you can cancel your card and order a replacement one if required in ANZ Internet Banking or goMoney (under 'Manage Cards') or by calling us. Find out more about lost and stolen cards >

Rates and fees


Interest rate on purchases

Interest rate on cash advances

Interest rate on balance transfers

 for 12 monthsdisclaimer


Interest free days on purchases

Up to 55 days

Annual fee

$35 p.a.   (charged $17.50 half yearly)

Joint or additional card

$10 p.a. (charged $5 half-yearly)

Banking with us

Pay with your phone

Pay using your compatible device with Apple Paydisclaimer or goMoney Walletdisclaimer disclaimer(for personal ANZ Visa credit and ANZ Visa Debit cards only) anywhere you can tap and pay. For purchases over NZ$80 you may need to enter your card PIN.

Payment convenience

Easy to manage and make payments to your credit card via ANZ Internet BankingANZ goMoney, at ATMs, over the phone or at any ANZ branch – it’s your choice.

Manage your card online

Temporarily block your card, manage your card PIN and report and replace lost or stolen cards with ANZ Card Manager.

Easy ways to apply

Apply online

Apply now

By phone

Weekdays, 8am - 8.30pm

Weekends, 9am - 5pm

0800 269 277

At any branch

Find a branch

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

Mail that has been addressed to your residential address (within the last three months).

Find and compare ANZ credit cards

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

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.

BP fuel offer: Fuel purchases of up to $75 must be made within 3 months of card opening (can be made across multiple transactions). ANZ lending criteria, terms, conditions and fees apply. Offer available for new ANZ Low Rate Visa cards; once per customer and card account only. Offer not available on transfers from existing ANZ credit cards or if you have or have had an ANZ credit card within the last 6 months or in conjunction with any package discounts. To get up to $75 fuel credit back, you must download the BPMe app, load your new ANZ Low Rate Visa in the app and use BPMe to pay for up to $75 worth of fuel at participating BPs. Up to a maximum of $75 per customer in total, will be credited back to your new ANZ Low Rate Visa within a month of the qualifying purchase(s). BPMe terms and conditions apply. See for more details.

Balance transfer offer: 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 Visa (currently  on purchases and   on cash advances) apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.

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Conditions and exceptions apply. For further details, see Visa Zero Liability and the ANZ Credit Card Conditions of Use.

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Terms and conditions apply to Apple Pay, see for more information.

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ANZ goMoney Wallet eligibility criteria and terms and conditions apply. ANZ goMoney Wallet is available for use on selected Android phones. See for more information.

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Android™ and Google Play are registered trademarks of Google Inc. ANZ goMoney Wallet eligibility criteria, terms and conditions apply. See for more information.

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