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ANZ Low Rate Visa

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

$0 annual card fee for 1 year

and pay 1.99% p.a on balances transferred for the first year


  • 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 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 Learn about balance transfers.
  • Convenience. 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.

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)


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.

Learn more

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

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 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.

Ways to apply

Apply online

Apply now

By phone

0800 269 277

Weekdays, 8am - 8.30pm
Weekends, 9am - 5pm

At any branch

Visit a branch

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

Find and compare ANZ credit cards

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. An ANZ Authorised Financial Adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

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.

$0 annual card fee offer: ANZ lending criteria, terms, conditions and fees apply. Offer available for a limited time. After 12 months the standard annual fee will apply (currently $35, charged $17.50 half-yearly). Offer available for new ANZ Low Rate Visa cards. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer only available once per customer (not available on multiple cards). Offer not available in conjunction with other credit card offers or package discounts.

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 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. 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.

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

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Google Pay is a trademark of Google LLC. Terms and conditions apply to Google Pay, see Google Pay for more information.

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