Anz Low Rate Credit Card - 0% P.a. Balance Transfer Rate

Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate Credit Card Account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. A balance transfer fee of 1% of the balance being transferred will apply. It will be applied at the time the balance is transferred and form part of the Promotional Plan balance. This offer applies only once per eligible customer. ANZ will process the balance transfer requested and any applicable fees up to 95% of your available credit limit. The balance transfer must be requested at the time of applying for the credit card. Offer only applies to balance transfers requested at the time of applying for the credit card.

The ANZ Low Rate Annual Fee will be waived in the first year from the date you accept the letter of offer (“fee date”). The Annual Fee will be charged each subsequent year on or about your fee date. The Annual Fee is currently $58 (as at  ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 167kB).

The balance transfer Promotional Plan annual percentage rate expires 30 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 30 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is   for ANZ Low Rate as at  and is subject to change. Terms and conditions apply to balance transfers. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF 393kB).

The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

The Annual Fee for ANZ Low Rate is current as at  and subject to change.

The standard variable annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Low Rate,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ First,  on the purchases balance,  on the cash advances balance and   on the standard balance transfers balance for ANZ Platinum,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer Platinum,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Frequent Flyer Black,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Platinum and  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Black,  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance for ANZ Rewards Travel Adventures. These rates are current as at  and are subject to change.

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

For ANZ Rewards, a total annual fee of $80 applies which includes a $25 Annual Fee and a $55 Rewards Program Services Fee. For ANZ Rewards Platinum, a total annual fee of $95 applies, which includes a $40 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Travel Adventures, a total annual fee of $120 applies, which includes a $65 Annual Fee and a $55 Rewards Program Service Fee.  For Additional Cardholders on ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black and ANZ Rewards Travel Adventures, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account. These fees are current as at  and are subject to change. The fee information displayed on this page applies to new customers only.

Cashrewards is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.

The Annual Fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB).

Offer only available to new and approved credit card applicants who apply for an ANZ First Credit Card Account with the purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ First Credit Card Account for a period of 20 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases balance annual interest rate applicable to your Credit Card Account. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer. Your application must be approved and you must make at least one purchase on your new ANZ First credit card within 3 months of your Letter of Offer to be eligible for the $30 to be credited to your Credit Card Account. The $30 credit will be applied to the purchases balance within 3 months of your first purchase and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ First Credit Card Account before the $30 credit is processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $30 credit is processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

Offer only available to new and approved credit card applicants who apply for an ANZ Platinum Credit Card Account with the purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ Platinum Credit Card Account for a period of 25 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases annual interest rate applicable to your Credit Card Account.  For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer.  ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

ANZ will waive the overseas transaction fee on foreign currency transactions and transactions where the merchant or financial institution accepting the card is located outside Australia. This relates to purchases only, any cash related transactions may incur other fees. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) booklet.

ANZ Reward Points are earned and redeemed in accordance with the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB). Certain transactions and other items are not eligible to earn Reward Points, for details refer to the ANZ Rewards – Rewards Program Terms and Conditions booklet (PDF 123kB).

Offer available to new and approved applicants who apply for an ANZ Rewards Travel Adventures Credit Card Account. This is a limited time only offer which may be withdrawn or changed at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. Offer not available where you currently hold an ANZ Rewards, ANZ Rewards Platinum, ANZ Rewards Black or ANZ Rewards Travel Adventures credit card, or have closed, or qualified for bonus Reward Points or a credit back on, any of those ANZ Rewards credit cards within the previous 12 months. This offer applies only once per eligible customer. Your application must be approved and you must activate the card and make $1,000 worth of eligible purchases within 3 months of approval to receive the 40,000 bonus Reward Points. Eligible purchases means purchases which are eligible to earn ANZ Rewards Points. Certain transactions and other items are not eligible to earn ANZ Rewards Points.  For details refer to the ANZ Rewards - Rewards Program Terms and Conditions (PDF 123kB). The bonus Reward Points will be credited to your ANZ account within 3 months of the eligible spend criteria being met. If you transfer or cancel your new ANZ Rewards Travel Adventures Credit Card Account before the bonus Reward Points are processed to your account, you may become ineligible for this offer. If any repayments are overdue before the bonus Reward Points are processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Payments and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

Compared to if the account holder had paid their Closing Balance in full each month.

The information provided in the Minimum Repayment Warning is provided as a guide only. It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month. It shows how much interest the account holder could end up paying assuming the account holder makes no new transactions and fees and interest rates do not change.

Not all transactions (e.g., at ANZ cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details of which (if any) transactions are eligible for interest-free days.