Exclusive Offer

ANZ Low Rate Credit Card – Exclusive Offer

No longer available

This Finder exclusive offer expired on 30 September 2020. You can compare the current range of ANZ credit cards here.

0% p.a.

Balance transfer rate

for 25 months with 1.5% balance transfer fee

12.49% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($58 p.a. thereafter)

55 days

Interest free period

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Product NameANZ Low Rate - Exclusive Offer - DISCONTINUED
Balance transfer rate0% p.a. for 25 months with 1.5% balance transfer fee
Balance transfer revert rateBalance Transfer Revert Rate (20.24%)
Balance transfer limit95% of available limit
Purchase rate12.49% p.a.
Annual fee$0 annual fee for the first year ($58 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% p.a. on balance transfers for up to 25 months
  • $0 annual fee for the first year ($58 p.a. thereafter)
  • Ongoing low purchase interest rate of 12.49% p.a.


  • Charges a 1.5% balance transfer fee
  • Balance transfer reverts to the high interest rate of 20.24% p.a. at the end of the introductory period
  • Does not offer purchase or travel insurance
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($58 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee2% or $4, whichever is greater
Overseas cash advance feeThe greater of 2% of the amount or $4.00
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of additional cardholders3

How to apply

You can apply for the ANZ Low Rate credit card via finder.com.au in around 5 minutes and receive a response within 60 seconds. Before you apply, make sure you meet the following eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
  • Credit history. You must have a good credit score and history. You can get your credit score and comprehensive credit report for free through Finder.

Card benefits

  • Balance transfer offer. When you apply through Finder before 30 September 2020, you can enjoy 0% p.a. on balance transfers for the first 25 months with a one-time 1.5% balance transfer fee. Any unpaid balance at the end of the introductory period will revert to the variable balance transfer rate of 20.24% p.a.
  • First year annual fee waiver. Save with a $0 annual fee for the first year ($58 p.a. in subsequent years). This offer is only available when you apply through Finder and is valid until 30 September 2020.

Rates & fees

  • Annual fee. Outside of any promotions, this credit card charges a competitive annual fee of $58.
  • Up to 55 days interest-free. Receive up to 55 days interest-free on purchases made with the ANZ Low Rate Credit Card when you pay your statement balance in full.

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