ANZ Low Rate

Credit & Charge CardsData Sharing Status

A credit card with a low ongoing interest rate for your everyday purchases

Purchase rate: 13.74%
Annual fee: $58.00

Interest Rates

Type	Rate	Comparison	Applies To
Purchase Rates are subject to change	13.74%	—	—
Cash advance Rates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers.	21.99%	—	—

Fees

Fee	Type	Amount
Account Service Charged yearly	Ongoing	$58.00
Overseas Transaction Fee We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged). Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. See your letter of offer for details (including how we calculate the fee and when it applies).	Purchase	3.5% of transaction
Over Limit Fee We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit. The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account. −$0.00 — You will not be charged an Overlimit Fee where ANZ provides you with an Informal Overlimit amount during the Statement Period and: - you hold an ANZ Access Basic Account; or - we determine that: (1) Your account was opened before 18 June 2012 and you have asked us to decline transactions (in most cases) that will take you over the credit limit; or (2) Your account was opened on or after 18 June 2012 and at the time the Informal Overlimit amount is provided you have not consented, or you have withdrawn your consent to being charged an Overlimit Fee (unless you are charged an Overlimit Fee in accordance with paragraph A in respect of an earlier Informal Overlimit amount).	Event

Fee

Type

Amount

Account Service

Charged yearly

Ongoing

$58.00

Overseas Transaction Fee

We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cash Advance Fee that may be charged). Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. See your letter of offer for details (including how we calculate the fee and when it applies).

Purchase

3.5% of transaction

Over Limit Fee

We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened before 18 June 2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit. The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account.

−$0.00 — You will not be charged an Overlimit Fee where ANZ provides you with an Informal Overlimit amount during the Statement Period and: - you hold an ANZ Access Basic Account; or - we determine that: (1) Your account was opened before 18 June 2012 and you have asked us to decline transactions (in most cases) that will take you over the credit limit; or (2) Your account was opened on or after 18 June 2012 and at the time the Informal Overlimit amount is provided you have not consented, or you have withdrawn your consent to being charged an Overlimit Fee (unless you are charged an Overlimit Fee in accordance with paragraph A in respect of an earlier Informal Overlimit amount).

Event

Features

Additional cards — up to 3: Up to 3 additional cardholders, (at no additional cost).
Interest-free period — 55 days: Up to 55 days interest free days on purchases.
Digital wallet — Apple Pay
Digital wallet — Google Pay
Digital wallet — Samsung Pay
Digital wallet — Fitbit Pay
Digital wallet — Garmin Pay

Eligibility

Minimum age — 18 yearsYou must be 18 years of age or older to apply
Residency status — be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa

Constraints

Minimum limit — $1,000.00

More Information

Published by ANZ under the Consumer Data Right · Last updated 22 May 2026 · Product ID 7c74f4ae-4965-08a0-c5c0-7bf2c677269b · View on CDR.gov.au