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.

Delivering 5-star value 4 years in a row

Our ANZ Low Rate Visa has been awarded Canstar’s 5-Star Rating for Outstanding Value for the fourth year in a row. It all comes down to:

  • Our lowest interest rate
  • No annual card fee
  • Up to 55 days interest-free on purchases
  • Secure contactless payments
  • 24/7 fraud monitoring
  • Friendly and helpful customer service.

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

Check your eligibility

To apply for an ANZ credit card, you’ll need to:

  • Be at least 18 years old
  • Receive a regular income
  • Have enough money left over, after your expenses, to meet your credit card repayments
  • Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.

If you’re a tertiary student, you’ll also need to:

  • Have any income, student allowance or student loan credited to your ANZ account
  • Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
  • If you’re an international student, have at least six months left on your student visa.

Additional lending criteria may apply

We’ll discuss this with you during your application process.

How to apply

From overseas: +64 4 470 3142

Not an ANZ customer?

You’ll need to join ANZ first. 

Join using the ANZ goMoney app by downloading it, then select Not a customer? Join ANZ > Join ANZ with a profile only. After that, you can apply for a credit card in the app or online.

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 device

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

Understanding credit cards

Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:

  • What is a credit card
  • How to avoid paying interest
  • Tips to pay off your credit card
  • Support if you face financial stress. 

Credit card security

Important information

This is for information purposes only, talk to us for financial advice and see our advice statement (PDF 39.8KB).

Interest rates are subject to change. Lending criteria, terms 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 138KB) for more information.