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- Low Rate (Balance Transfer Offer)
ANZ Low Rate (Balance Transfer Offer)
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
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 p.a.
13.74%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $58 thereafter
ANZ Low Rate (Balance Transfer Offer)
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
13.74%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $58 thereafter
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."
Pros and Cons
For ANZ 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
$1,000
Maximum credit limit
$0
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
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
13.74%
Cash advance rate
21.99%
Cash advance fee
3%
Balance Transfer
Balance transfer rate
0%
Transfer limit
95%
of the approved credit limit
Balance transfer fee
3%
Overseas spending
Foreign exchange fee
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
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.More details