ANZ Low Rate Visa

stack of coins

Save on card fees and interest costs with our lowest purchase rate and annual fee


A good choice 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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loading product data(View current rates)

Our lowest purchase interest rate

Account fee - charged $17.50 half yearly

Account fee -
charged $17.50 half-yearly

Up to 55 days

Up to 55 days interest free on purchases


Save on interest and fees


Save on interest costs and annual card fees with our lowest purchase interest rate and annual card fee

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 - 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 Visa 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


Enjoy contactless payments - simply tap your card on the terminal when instructed. You can also pay using your compatible device with Apple Pay1 or goMoney Wallet2 (for personal ANZ Visa credit cards only) anywhere you can tap and pay. 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


Add or remove a temporary block on your card, manage your card PIN and report and replace lost or stolen cards via ANZ Internet Banking and goMoney with ANZ Card Manager



Visa’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 $35 p.a. (charged $17.50 half-yearly) $10 p.a. (charged $5 half-yearly)

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

Find a branch

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

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important info iconImportant information

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.

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

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

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

*Lending criteria, terms, conditions and fees apply. The ‘pay no annual card fee for one year offer’ is available for a limited time. After 12 months the standard annual fee will apply. Offer available for all new ANZ credit cards. 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 in conjunction with other credit card offers or package discounts. Personal ANZ Visa credit cards can be used in mobile wallets on compatible devices. Terms, conditions and eligibility criteria apply to the use of mobile wallets, see our Electronic Banking Conditions at for more information. ANZ Bank New Zealand Limited.

*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 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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