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ANZ

0% p.a. balance transfer rate for a 30-month promotional period

ANZ Low Rate Card (Balance Transfer offer)

Balance transfer

0% for 30 months

Purchase rate

13.74%

Annual fee

$0 1st year

The ANZ Low Rate credit card offers a low 13.74% interest rate on purchases and a low $58 annual fee (waived in the first year). Plus, 0% p.a. balance transfer offer for 30 months. Just keep in mind that a balance transfer fee of 3% will apply.

HIGHLIGHTS

The ANZ Low Rate credit card has the following to offer:

0% p.a. balance transfer rate for a 30-month promotional period/
$0 Annual Fee in the first year.
3% balance transfer fee.

The 30-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).

Main features

Rate type

Rate %

Duration

Purchases

13.74% p.a.

Fees

Fee type	Fee %	Min fee $
Cash advances	21.99%	$4

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee Thereafter	$0 $58	1st year per year
Monthly fee	-	-

MORE INFORMATION

The ANZ low rate card has an ongoing purchase rate of 13.74% p.a. The card also comes with a relatively low annual fee of $58, which is actually waived for new cardholders in the first year. Just be sure to set up automatic monthly repayments or you'll have to pay a $20 late payment fee.

If you need to clear some lingering credit card debt, you can take advantage of a 30-month balance transfer period with 0% p.a. interest (a balance transfer fee of 3% of the balance being transferred will apply). Just bear in mind that once the balance transfer period is up, any remaining balance will be subject to an interest rate of 21.99% p.a.

If you are travelling overseas you can use your low rate card wherever Mastercard is accepted. You will have to pay a 3.00% foreign currency conversion on all purchases made using your ANZ Low Rate card overseas.

TERMS & CONDITIONS

Offer only available to new and approved credit card applicants who apply for an ANZ Low Rate Credit Card Account with the balance transfer. This is a limited time only offer which may be withdrawn or changed at any time without notice.

The ANZ Low Rate Annual Fee will be waived in the first year from the date you accept the letter of offer (“fee date”). The Annual Fee will be charged each subsequent year on or about your fee date. The Annual Fee is currently $58 (as at today's date ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges.

The balance transfer Promotional Plan annual percentage rate expires 30-months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 30 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is 21.99% p.a. for ANZ Low Rate as at today's date and is subject to change. Terms and conditions apply to balance transfers. Terms and conditions apply.

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