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Our lowest purchase rate, lowest annual fee credit card.

The new 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 you’ll pay no annual fee for the first year.

13.90 % p.a.
Save on interest costs.
Our lowest purchase rate.
$35 p.a.
Save on card fees.
Our lowest annual fee.
See all interest rates and fees

Features and benefits

Balance transfer offer

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 12 months on that balance.~

It’s a great way to help you save even more on interest and pay off existing credit card debt faster.


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.


Be protected against unauthorised use of your card with round-the-clock fraud monitoring and Visa Zero Liability.^

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 compatible Apple devices in stores where contactless payments are accepted, only available through ANZ. Available for personal ANZ Visa credit card and Visa Debit card holders.

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
$35 p.a.
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
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

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Important information

Lending criteria, terms, conditions and fees apply.

The $0 annual fee for one year offer is available for a limited time. All other fees still apply. After 12 months the standard annual fee will apply (currently $35p.a., 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).

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.

~ Offer available for a limited time. 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.

^ Provided you haven’t contributed to the loss in any way, or failed to notify us that your card has been stolen within a reasonable time. and complied with our ANZ Credit Card Conditions of Use. If using a mobile wallet, you’ll also need to comply with the terms and conditions that apply to mobile wallets. ANZ’s monitoring system looks at any unusual activity on your account. If we suspect fraudulent activity, we’ll try to contact you to confirm the transaction. If we can’t contact you, we’ll make a decision on whether we need to block your account until we can reach you.

Interest rates are subject to change. See Rates, Fees and Agreements 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.