ANZ Low Rate Visa

Introducing our lowest purchase interest rate credit card, with up to 55 days interest free on purchases, and no annual card fee.

ANZ Visa Low Rate card

The important numbers

Apply using our online form

Balance transfer offer

Pay % p.a. for the first two years on balances transferred.

You can apply to move the outstanding balance from certain non-ANZ credit or store cards to an ANZ Low Rate Visa.

Rates, fees and conditions apply.


Interest rates, fees and minimum credit limit

Rate, fee or limit

Interest rate on purchases

% p.a.

Interest rate on cash advances

% p.a.

Interest rate on balance transfers

% p.a.

Interest free days on purchases

Up to 55 days 

Annual fee


Joint or additional card


Minimum credit limit


Find and compare ANZ credit cards

How to apply

From overseas: +64 4 470 3142

If you don't currently bank with ANZ

You'll need to provide:

  • Valid proof of identification.
  • Mail that has been addressed to your residential addressed (within the last 90 days).
  • Your last 90 days of bank statements.

Banking with ANZ

Manage your card online

Manage your card and payments online with ANZ Internet Banking and the ANZ goMoney app. Set up regular payments, temporarily block your card, manage your PIN, report a lost or stolen card, and more. 

Pay with your phone

Pay using your compatible device with Apple Pay or Google Pay™ anywhere you can tap and pay.

Credit card education

Credit cards come with some big responsibilities and it's a smart idea to wrap your head around how they work.

Credit card security

Important information

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. You must repay your balance in full by the due date each month to get the benefit of interest-free days on purchases. Other interest rates apply to purchase and cash advances. Read more about our Rates, fees and agreements.

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.