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The ANZ Low Rate credit card charges just 12.49% p.a. — the lowest ongoing purchase rate from any major Australian bank. At $58/yr, it is built for people who occasionally carry a balance and want to minimise interest charges.
ANZ Credit Cards at a Glance
RewardsANZ Rewards Black
180,000 bonus pts, 1.5 pts/$1, $375/yr. Highest sign-up bonus in Australia.
Qantas PointsANZ Frequent Flyer Black
Up to 130k Qantas pts, 1 pt/$1, $425/yr. Direct Qantas earn + Status Credits.
CashbackANZ Cashback World
1% uncapped cashback on everything. $95/yr. No categories to track.
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Why the ANZ Low Rate credit card Stands Out
✓ What makes it worth it:
- 12.49% p.a. — lowest major bank rate in Australia
- 0% balance transfer for 28 months available
- $58 annual fee — reasonable for a low-rate card
- Up to 55 interest-free days
- Simple card — no complex rewards to manage
✗ What to consider:
- No rewards or points program
- No complimentary insurance
- 3% foreign transaction fee
- No sign-up bonus
Verdict: Who Should Get This Card?
The ANZ Low Rate is the right choice if you sometimes carry a balance and want to pay the least interest possible. The 0% balance transfer offer is also strong. If you never carry a balance, a no-fee card saves you the $58/yr.
Ready to apply? Go directly to ANZ:
✓ Official ANZ website • ✓ Secure application • ✓ Takes 5-10 minutes
Is 12.49% really the lowest rate available? ▼
Among the Big 4 and major banks, yes. Some smaller lenders offer lower rates but with stricter approval criteria.
Can I transfer a balance to this card? ▼
Yes — ANZ offers 0% for up to 28 months on balance transfers with a 2% transfer fee.
Is there a minimum income requirement? ▼
ANZ requires $15,000 minimum gross annual income for this card.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the ANZ website before applying.
