ANZ Low Rate - Balance Transfer Exclusive Offer

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Terms and conditions apply

Balance transfer rate for 28 months with 2.5% balance transfer fee: 0% p.a.
Purchase rate: 13.74% p.a.
Annual fee for the first year ($58 p.a. thereafter): $0 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

Save with no annual fee for the first year and 0% p.a. interest on a balance transfer for the first 28 months, with a 2.5% balance transfer fee.

Finder Awards 2026 winner

New cardholders who apply for the ANZ Low Rate Credit Card via Finder can save with a $0 first-year annual fee and 0% p.a. interest on a balance transfer for the first 28 months, with a 2.5% balance transfer fee. This limited time offer is only available to new cardholders which will expire by 31 March 2026 and may be varied or withdrawn at any time without notice.

To give you an idea of the potential savings, if you wanted to transfer $5,000 and were currently being charged 20% interest, you could save $1,671.59 over 28 months. Keep in mind that a 21.99% p.a. interest rate applies after the 28-month introductory period. This is higher than the interest rate for purchases on this card, so it’s ideal to focus on paying off the balance transfer before then. The ANZ Low Rate Credit Card has a low 13.74% p.a. interest rate for purchases. Click 'Go to site' to see the full offer T&Cs.

Finder exclusive: 0% p.a. for 28 months on a balance transfer (with 2.5% balance transfer fee) and $0 first-year annual fee. Expires 31 March 2026. T&Cs apply.

Pros

0% p.a. interest on balance transfers for 28 months
$0 annual fee for the first year ($58 p.a. thereafter)
Ongoing low purchase interest rate of 13.74% p.a.

Cons

Balance transfer reverts to the high standard interest rate of 21.99% p.a. at the end of the introductory period
Charges a one-time 2.5% balance transfer fee

Details

Product details

Product Name	ANZ Low Rate - Balance Transfer Exclusive Offer
Balance transfer rate p.a.	0% for 28 months with 2.5% balance transfer fee, then 21.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	Purchase rate p.a.13.74%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$1,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Bonus points	N/A
Rewards points cap	N/A

Fees

Annual fee	$0 first year ($58 after)
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3.5%
Cash advance fee	3% of the transaction value or $3 (whichever is greater), capped at $20
Overseas cash advance fee	3% of the transaction value or $3 (whichever is greater), capped at $20
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$0
Number of additional cardholders	3

ANZ is a Finder Awards winner!

The ANZ Low Rate won Best Balance Transfer Credit Card in the 2026 Finder Awards.

Full list of 2026 winners

How to apply

You can apply for the ANZ Low Rate Credit Card via Finder in around 20 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

Limited time offer. To take advantage of the introductory offers, you must apply through Finder. This limited time offer is only available to new cardholders which will expire by 31 March 2026 and may be varied or withdrawn at any time without notice. This offer is not available through any other channel or in conjunction with any other offer, package or promotion, or when transferring from an existing ANZ credit card. You can see the full terms and conditions on ANZ's webpage.
Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have more than 12 months remaining on an eligible working or business visa.

Eligible balance transfer debt. You can transfer from $100 up to 95% of your available credit limit from credit and store card accounts not issued by ANZ.
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.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, contact information, marital status and number of dependents.
Proof of identification. You'll be asked to provide your Australian driver's licence number (if you have one).
Finances. Details of your income, expenses, assets and liabilities.
Employment. Your employer's address and if you are self-employed, you will need your accountant's name and contact number.
Balance transfer information. If you plan to transfer a balance, you will need to provide information about the cards / accounts from which you are transferring.

Go to ANZ's site More info

Card benefits

0% p.a. balance transfer offer. Apply through Finder for the ANZ Low Rate credit card and include your balance transfer in your request as part of the application to get a 0% p.a. interest rate on the balance transfer for 28 months, with a 2.5% balance transfer fee. Any unpaid balance at the end of the introductory period will revert to the standard balance transfer rate, currently 21.99% p.a. This limited time offer is only available to new cardholders and will expire by 31 March 2026 and may be varied or withdrawn at any time without notice. Note that the 28-month promotional period starts on the Letter of Offer date (when you get notified your application is approved). It may take another 3-15 business days after this date before your balance transfer is processed.
First-year annual fee waiver offer. Save with a $0 annual fee in the first year, which goes to $58 p.a. after that. This limited time offer is only available when you apply through Finder by 31 March 2026 and may be varied or withdrawn at any time without notice.

Low purchase interest rate. A variable rate of 13.74% p.a. on purchases means that you can save money each month compared to cards with higher purchase rates.
Mobile payment technology. You can link your card to Apple Pay, Google Pay and Samsung Pay to use your eligible device to tap and pay.
Visa Offers + Perks. With complimentary membership to Visa Offers + Perks, you can access exclusive offers on dining, entertainment, travel and more.
Security. ANZ Falcon offers 24/7 transaction monitoring. If your card is lost or stolen, you can request an emergency credit card replacement worldwide.

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 when you pay your closing balance in full by the due date on each statement. Note that this will be shown as the Adjusted Closing Balance if you have promotional balances from relevant balance transfer credit card plans, instalment plans and buy now pay later plans. The Adjusted Closing Balance is calculated as your closing balance less the sum of any relevant promotional plans.

Cash advances. If you use your card to make a cash advance (such as an ATM withdrawal), you'll be charged a 21.99% p.a. interest rate. A cash advance fee of 3% of the transaction value or $3 (whichever is greater), capped at $20 also applies for both domestic and international transactions, capped at $20.
Additional cardholders. You can request up to 3 additional cardholders at no extra cost.

Go to ANZ's site More info

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ANZ Low Rate Credit Card information PDF
2. ANZ Low Rate Credit Card TMD

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Richard Finder

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Potential client

March 15, 2026

Can I apply for this card if I don’t have any balances to transfer? Or is this offer only open to balance transfer clients only?

Sarah Megginson Finder

March 17, 2026

Yes you can apply for this card without a balance to transfer; this is simply one of the primary benefits of this card, but you’ll still benefit from the low interest rate ongoing.

Crckez

March 05, 2026

To apply for the balance transfer credit, do you need to be employed part-time/full- time.? Can you still be eligible if have an excellent credit score and have two streams of income that won’t change during the 28 months? E.g. government assistant, tac, etc?

Sarah Megginson Finder

March 09, 2026

ANZ will review your application and capacity to repay based on your income. You don’t necessarily need to be employed, but you do need to be able to demonstrate your capacity to make minimum repayments. It might be worth contacting ANZ and discussing your personal situation to see what the likelihood of approval is. Hope this helps.

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Johnny

April 12, 2025

Can I transfer an unsecured personal loan from another Australian bank to this credit card and still retain the 0% balance transfer benefit?

Richard Whitten Finder

April 13, 2025

Hi Johnny,

Reading the fine print in the terms and conditions it specifies balance transfers are for “Australian non-ANZ credit and store cards only”. So personal loan debts aren’t accepted.

Credit cards listed here may let you transfer personal loan debt to a credit card.

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April 08, 2025

I got the ANZ 0% interest for 25 months Promotion credit card 2 years ago. The promotional period ended on 22 March 2025. The next statement (for the period of 10 March- 10 April) is due on 4th of May. I have not made any new purchases – only the balance from a few months back remains on the account. If I pay before the statement is issued, would it incur any interest charges on the balance as it is past the 0% interest period? Or can this be paid off fully without incurring the interest charges?

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Richard Whitten Finder

April 08, 2025

Hi YN,

Once you’ve passed the 0% promotional offer on the balance transfer any unpaid balance is charged interest at a rate of 21.99%. This is quite a high rate. If you haven’t paid the balance off in full during the promotional period you should look at how much is left and try to pay it off soon.

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full profile

ANZ Low Rate – Balance Transfer Exclusive Offer

Pros

Cons

ANZ is a Finder Awards winner!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

Your reviews

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