PAY 1.99% P.A.
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ANZ Low Rate Visa - a harder working credit card.

The ANZ Low Rate Visa offers you the best of both worlds with our lowest purchase rate and lowest annual fee rolled into one card. It could save you money, especially if you don’t pay off your credit card in full every month.
Apply now and for the first year, pay 1.99% p.a. on balances transferred and no annual card fee.

13.90 % p.a.
Our lowest purchase interest rate.
Save on interest costs.
Our lowest annual card fee.
Save on card fees.
See all interest rates and fees

Features and benefits

Balance Transfer

Transfer your balance from another bank’s credit card to an ANZ Low Rate Visa and take advantage of our special offer - 1.99% p.a. for the first year on that balance.~

It’s a great way to help you save even more on interest.


Set up regular payments from your card for everyday expenses.

Easy to manage - via ANZ goMoney, online, in person or over the phone.

Contactless payments - simply tap your card to pay where contactless payments are accepted.


Visa Zero Liability^ 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.

Now your phone really can do everything

You can now use your compatible iPhone or Android phone to tap and pay at contactless enabled terminals using Apple Pay or ANZ goMoney wallet. It’s a quick, secure and convenient way to pay. Available for personal ANZ Visa credit card and Visa Debit card holders.

Get Apple Pay with ANZ Low Rate Visa

A simple, secure and convenient way to make payments using your Apple devices in stores where contactless payments are accepted, only available through ANZ.

Find out more

Your smart phone just became your pay phone

Tap and pay for everyday items using goMoney Wallet on selected Android devices, where contactless payments are accepted. It's a quick, secure and convenient way to pay. Available for personal ANZ Visa credit card and Visa Debit card holders.

Find out more

Rates and fees

Annual fee
charged $17.50 half yearly
Interest rate on purchases
13.90% p.a.
Interest free days on purchases
Up to 55 days
Joint or additional card
$10 p.a.
charged $5 half yearly
Interest rate on cash advances
22.95% p.a.
Interest rate on balance transfers
1.99% p.a.
for 12 months

Easy ways to apply


Apply now


Call us on 0800 269 296
8am to 8pm, 7 days a week

At any ANZ branch

Find a branch

Find and compare ANZ credit cards

Important information

Interest rates are subject to change. Lending criteria, terms, conditions and fees apply to all credit cards. See Rates, fees and agreements for more information.

The ‘pay no annual card fee for one year offer’ is available for a limited time. After 12 months the standard annual fee will apply (currently $35, charged $17.50 half-yearly). Offer available for all new ANZ Low Rate Visa credit cards. Transfers from existing ANZ credit cards will not be eligible for this offer. Offer is only available once per customer (not available on multiple cards). Offer not available in conjunction with other credit card offers or package discounts.

~ Balance transfers can be made from non-ANZ Visa and MasterCard, 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 13.90% p.a. on purchases and 22.95% p.a. on cash advances) apply to new transactions and repayments will generally be applied to balance transfer amounts before new purchases.

^ Conditions and exceptions apply. For further details, see Visa Zero Liability and the ANZ Credit Card Conditions of Use.

Personal ANZ Visa credit cards can be used in mobile wallets on compatible devices. Terms, conditions and eligibility criteria apply to the use of mobile wallets, see our Electronic Banking Conditions at for more information.

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. If you wish to consult one of ANZ's financial advisers, please contact us on 0800 269 296.

ANZ Bank New Zealand Limited.