We found your Credit Card: ANZ Low Rate

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13.74% p.a. interest rate on purchases

Earn cashback from more than 2,000 popular retailers

Annual fee waived in the first year

0% p.a. balance transfer rate for 28 months

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The ANZ Low Rate Credit Card offers a practical solution for individuals looking to manage their expenses with lower interest costs.

While it doesn't come with elaborate rewards programs, its focus on affordability and simplicity makes it a popular choice for those prioritizing lower fees and interest rates.

Benefits of the ANZ Low Rate Credit Card

Below, we outline some of the key benefits of the card to help you decide if it suits your financial needs.

Low Purchase Interest Rate: one of the main features of the ANZ Low Rate Credit Card is its competitive purchase interest rate of 13.74% p.a. This lower rate can be beneficial for cardholders who may not be able to pay off their balance each month, helping reduce the overall interest charged on purchases.

0% Balance Transfer for 28 Months: for those carrying debt on other credit cards, the ANZ Low Rate Credit Card offers a 0% balance transfer rate for up to 28 months. This allows you to move your debt to this card and pay no interest during the promotional period. However, a 3% balance transfer fee applies, and the rate reverts to 21.99% p.a. after the promotional period.

First-Year Annual Fee Waiver: new cardholders benefit from a waiver of the $58 annual fee for the first year, making it an appealing choice if you're looking to minimize upfront costs. After the first year, the fee applies, but this initial waiver provides some relief while you explore the card's features.

Interest-Free Period on Purchases: cardholders can enjoy up to 55 days of interest-free purchases, provided the closing balance is paid in full by the due date. This benefit helps manage short-term cash flow, as you won’t incur interest on new purchases during this period.

This credit card's features are designed for those who value low interest and straightforward functionality without extra rewards.

Want to get an ANZ Low Rate Credit Card? Then tap the green button below and see how to apply for one!

HOW TO APPLY

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More About the ANZ Low Rate Credit Card

For those who value convenience, the card is compatible with various mobile payment platforms like Apple Pay and Google Pay, allowing for easy and secure transactions.

Cardholders also benefit from robust security features, including ANZ Falcon, a 24/7 anti-fraud monitoring system, and the ANZ Fraud Money Back Guarantee, ensuring that unauthorized transactions are handled quickly.

Another perk includes the ability to add up to three additional cardholders without extra fees, making it more accessible for families or joint users.

Despite not offering rewards programs, this card focuses on providing simple, practical solutions for individuals prioritizing lower costs and secure, everyday use.

More About ANZ Bank

ANZ (Australia and New Zealand Banking Group) is one of the largest banks in Australia, with a history dating back to 1835. Initially established as the Bank of Australasia, ANZ has grown into a major financial institution, offering a range of services that include personal and business banking, wealth management, and investment services.

The bank is known for its innovation in digital banking, with a strong online presence and mobile banking options, such as the ANZ App, which supports digital wallets and mobile payments.

ANZ operates in more than 30 markets worldwide, providing services to over 9 million customers and employing around 40,000 people globally. In addition to its traditional banking services, ANZ is involved in corporate finance, insurance, and international trade, catering to both individual and corporate clients.

While maintaining a strong digital footprint, ANZ remains a traditional bank with physical branches, continuing to adapt to the evolving financial landscape.

Why Choose the ANZ Low Rate Credit Card?

The ANZ Low Rate Credit Card is tailored for individuals seeking a simple, cost-effective option for everyday use. It is not a high-income or premium card but rather an entry-level option that focuses on affordability rather than perks.

It is especially suitable for people who might occasionally carry a balance, as its low purchase interest rate helps minimize interest charges.

The card is issued by a traditional bank, ANZ, meaning it offers the security and accessibility of a major financial institution, with both physical branches and a digital platform for mobile banking.

We would like to point out that the card does not specifically cater to individuals with negative credit, as a good credit rating is still a key requirement for approval.

However, it is more accessible to a wider range of applicants compared to premium cards that demand higher incomes or have more stringent eligibility criteria.

With no rewards but a simple cashback program, the main advantage lies in its straightforward, low-cost design, which may appeal to individuals who prefer a no-frills approach to managing their finances.

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