ANZ Low Rate MasterCard is ANZ's low interest rate credit card

Find out how much you can save when you apply for an ANZ Low Rate MasterCard with a low Balance Transfer introductory rate using the Balance Transfer Calculator

Rates, fees and features

• Low interest rate of 12.99% p.a. on purchases and 20.99% p.a. on cash advances
• $58 annual account fee
• Up to 55 days interest free credit on purchases
• Design your own Card



Design your card by simply loading your favorite image or choose from a library of images².

View ANZ Terms and Conditions, Fees and Charges

With ANZ's low interest rate credit card you will also enjoy:

• The flexibility to add up to 3 additional card holders to your account at no extra cost.
• Manage your credit card online or over the phone with our 24/7 Internet and Phone banking services. It's never been easier to manage your ANZ Low Rate MasterCard.
• Access to MasterCard cardholder services including
  • Global Network - immediate worldwide access to your funds wherever you go.
  • MasterCard applause™ - be entertained with exclusive tickets to theatre, dance, musicals and sporting events.
  • MasterCard Travel Exclusives - special offers and great deals, simply for being a MasterCard cardholder.
  • MasterCard SecureCode™ - protecting you against the unauthorised use of your MasterCard while shopping online at participating MasterCard SecureCode merchants.
  • MasterCard Global Service™ - putting you in touch with a representative - 24 hours a day, 365 days a year.

Optional Extras

ANZ Extras
As an ANZ cardholder, you have access to a range of exclusive products and services including eDine, ANZ Wine Club, ANZ Car Rental Cover & Secure Sentinel.

Once approved, you can expect to receive your credit card within five business days. Remember, you don't need to be an ANZ customer to apply for an ANZ Low Rate MasterCard.

Useful credit card tools

Terms and Conditions, Fees and Charges | Credit card Calculator | Compare Credit cards | Transfer Credit card balances | Managing my Card

Terms and conditions are available on application. Fees and charges apply.
Standard variable rate is 12.99% p.a. on purchases and 20.99% p.a. on cash advances as at Monday, 25 August 2008 and is subject to change.

¹Not applicable when you transfer and close an existing ANZ card account. The balance transfer must be completed at the time of applying for your new ANZ Low Rate MasterCard or at the time of activation of your new ANZ Low Rate MasterCard. Balance transfer rate reverts to the standard variable rate on your card after the first twelve months from the date of card approval and any balances that remain unpaid at the end of this period will become subject to the standard variable interest rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ.

²Subject to Designmycard Image Guidelines and Terms and Conditions.