ANZ Low Rate

credit card

Low Rate is a credit card from ANZ, as the bank publishes it in its product data. Its purchase rate is 13.74% and its card fee $58 a year. It ranks 37th of 52 issuers for a personal card by lowest purchase rate; and 2nd of 22 issuers for a personal card by the length of its balance transfer offer.

What the feed states

Purchase rate

13.74%

Cash advance rate

23.49%

Interest-free days

up to 55

Card fee

$58 a year (Account Service)

Cash advance fee

3.5%

Late payment fee

$20

Balance transfer offer

0.00% for 26 months (3% fee, then 23.49%)

Other balance transfer offer

0.00% for 26 months, 3% fee

Balance transfer rate otherwise

23.49%

Cashback offer

$400

Digital wallets

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Instalment plans

offered

Additional cardholders

up to 3

Credit limit

from $1,000

Minimum age

18

Scheme

Visa

Conditions and offers

• 0.00% on balance transfers for 26 months, 3% transfer fee, then 23.49% (the balance transfer rate)
• balance transfers from non-ANZ cards only, requested when you apply
• for new cards only
• 3.5% overseas transaction fee
• cash advance fee 3.5%, minimum $4, maximum $50
• Australian or New Zealand citizen, permanent resident, or more than 12 months left on a visa
• no annual fee in the first year with the balance transfer offer; $58 after
• 26-month promotional period starts when the letter of offer is issued, not when the transfer is processed

About this card

A credit card with a low ongoing interest rate for your everyday purchases

Data

• ANZ's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-27.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/anz.json: this issuer's cards as JSON; ANZ's page lists them.
• The bank last updated this record on 2026-10-27; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at ANZ

• Business 55 Interest Free Days credit card, 17.74%, $150 a year
• Business Black credit card, 20.24%, $300 a year
• Business Low Rate credit card, 12.99%, $100 a year
• First credit card, 22.49%, $30 a year
• Frequent Flyer Black credit card, 22.49%, $370 a year
• Frequent Flyer Platinum credit card, 22.49%, $240 a year
• Platinum credit card, 22.49%, $87 a year
• Qantas Business Rewards credit card, 20.24%, $300 a year
• Rewards Black credit card, 22.49%, $320 a year
• Rewards Platinum credit card, 22.49%, $94 a year