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Benefits
Save on card fees
With no annual fee you'll save on card fees.
Our lowest interest rate
Could help keep interest costs down on purchases when the outstanding balance isn't paid off in full each month.
Consolidate debt
Could be used for consolidating other credit or store card debt.
Balance transfer
You can apply to move the outstanding balance from certain non-ANZ credit or store cards to an ANZ Low Rate Visa, and pay a low interest rate on the balance transferred for a fixed period of time. Our balance transfer rate offer is currently on balances transferred for the first two yearsdisclaimer , but can change.
Convenience
Set up regular payments from your ANZ Low Rate Visa for things like your phone and power bills or your gym membership and you could make the most of your interest free days. Plus you can also decrease your credit card limit via the ANZ goMoney app. Eligibility criteria applies. Find out more.
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.
Our lowest purchase rate credit card, with no annual fee
Interest rates, fees and minimum credit limit
Interest rate on purchases |
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Interest rate on cash advances |
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Interest rate on balance transfers |
Interest free days on purchases | Up to 55 days |
Annual fee | $0 |
Joint or additional card | $0 |
Minimum credit limit | $500 |
Security
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.
Banking with ANZ
Pay with your phone
Pay using your compatible device with Apple Paydisclaimer or Google Pay™disclaimer(for personal ANZ Visa credit and ANZ Visa Debit cards only) anywhere you can tap and pay.
Payment convenience
Easy to manage and make payments to your credit card via ANZ Internet Banking, ANZ 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.
Ways to apply
If you don't currently bank with ANZ, you'll need to provide:
- Valid proof of identification
See examples of acceptable forms of identification (PDF 28kB) - Mail that has been addressed to your residental address (within the last three months).
Our financial advice provider statement has some important information you should know about ANZ and our financial advice services. Please take the time to read it.
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.
Eligibility criteria and terms and conditions apply to ANZ Internet Banking, ANZ goMoney and ANZ Phone Banking. See our Electronic Banking Conditions (PDF 129kB) for more information.
Balance transfer offer: Offer available for a limited time. Balance transfers can be made from most non-ANZ Visa or Mastercards (ASB, Bank Direct, BNZ, KiwiBank, TSB or Westpac), American Express, GE CreditLine, Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. After 24 months our standard purchase interest rate will apply to any remaining balance transfer amount. Standard interest rates for ANZ Low Rate Visa apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.
ReturnConditions and exceptions apply. For further details, see Visa Zero Liability. Visa's Zero Liability policy covers ANZ Bank New Zealand Limited issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.
ReturnTerms and conditions apply to Apple Pay, see anz.co.nz/applepay for more information.
ReturnGoogle Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.
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