Important disclosure

ANZ Banking Group Limited

ANZ Low Rate (Balance Transfer Offer)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

0% p.a. for 28 months on balance transfers with 3% balance transfer fee and $0 annual fee in first year.*

*28 month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently 21.99% p.a. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

Purchase Rate

13.74%

p.a

Balance Transfer Rate

0%

p.a

RateCity says

“Thrifty cardholders may keep costs down with this low rate credit card that charges no annual fee in the first year, and currently $58 thereafter.”

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

13.74%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$0

for 12 months then $58 thereafter

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More detailsmore-details

Australian Credit Licence 234527Fees & charges apply

Pros and cons

For Low Rate (Balance Transfer Offer)

Benefits

  • Lower than average ongoing variable purchase rate
  • $0 annual fee in the first 12 months and $58 p.a thereafter.
  • 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 (Balance Transfer Offer)

Details

Card Level

Standard

Card Type

Visa

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

$0

for 12 months then $58 thereafter

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

13.74%

p.a

Cash advance rate

21.99%

Cash advance fee

3%

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

95%

of the approved credit limit

Balance Transfer Fee

3%

Overseas spending

Foreign Exchange Fee

3% on Visa

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
Specials
  • Balance Transfer 0% p.a. for 28 months on balance transfers with 3% balance transfer fee and $0 annual fee in first year.*
    *28 month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promotional period, currently 21.99% p.a. T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

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.