Important disclosure
ANZ Low Rate (Credit Back Offer)
special
Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $58
Purchase Rate
Purchase Rate
13.74%
p.a
Balance Transfer Rate
Balance Transfer Rate
21.99%
p.a
RateCity Says
“As well as the competitive purchase rate, this credit card offers you the chance to get credit back on your eligible spending as an introductory offer.”
Purchase Rate
13.74%
p.a
Balance Transfer Rate
21.99%
p.a
Annual Fee
$58
Pros and cons
For Low Rate (Credit Back Offer)
Benefits
- Lower than average ongoing variable purchase rate
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No reward program
ANZ Rate Credit card overview
For Low Rate (Credit Back Offer)
Details
Card Level Standard | Card Type Visa |
Interest Free Days Interest Free Days 55 | Minimum monthly repayment 2% or $25 |
Minimum credit limit $1k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit ANZ Banking Group Limited to view Target Market Determination. |
Fees
Annual Fee Annual Fee $58 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $20 |
Over limit fee $20 | Duplicate statement fee $0 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 13.74% p.a |
Cash advance rate 21.99% p.a |
Cash advance fee 3% |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 21.99% p.a |
Transfer Limit 95% of the approved credit limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions A non-permanent resident with more than 9 months remaining on your Visa |
Residency |
Perks
- FREE SUPPLEMENTARY CARDS
- Other Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.T&Cs, eligibility and spend criteria, fees and charges apply (including an annual fee, currently $58
Other Restrictions
The Estimated ATM Cost when accessing money overseas is $18. T&Cs apply.
How to apply
If you'd like to apply for this product or just get more information, follow the application process on ANZ.
