ANZ Low Rate Visa
ANZ Low Rate Visa
Introducing our lowest purchase interest rate credit card, with up to 55 days interest free on purchases, and no annual card fee.
Dynamic security code – another layer of fraud protection
Shop safer online using a dynamic security code instead of the security code on the back of your physical ANZ Visa card.
It’s available in your ANZ goMoney mobile app and updates every 12 hours, adding another layer of fraud protection from ANZ and Visa.
In goMoney, go to Services > Manage cards > select a Visa card > select Show card details.
Eligibility criteria and terms and conditions may apply.
The important numbers
Apply using our online form
Balance transfer offer
Pay 1.99% p.a. for the first two years on balances transferred.
You can apply to move the outstanding balance from certain non-ANZ credit or store cards to an ANZ Low Rate Visa.
Rates, fees and conditions apply2.
Benefits
Interest rates, fees and minimum credit limit
Rate, fee or limit | |
|---|---|
Interest rate on purchases | 13.90% p.a. |
Interest rate on cash advances | 20.95% p.a. |
Interest rate on balance transfers | 1.99% p.a.2 |
Interest-free days on purchases | Up to 55 days |
Annual fee | $0 |
Joint or additional card | $0 |
Minimum credit limit | $500 |
Find and compare ANZ credit cards
Check your eligibility
To apply for an ANZ credit card, you’ll need to:
- Be at least 18 years old
- Receive a regular income
- Have enough money left over, after your expenses, to meet your credit card repayments
- Be a New Zealand citizen, permanent resident or, if a non-resident, have a work visa issued for two years or longer with at least one year left.
If you’re a tertiary student, you’ll also need to:
- Have any income, student allowance or student loan credited to your ANZ account
- Be studying full-time at a government-recognised tertiary institution or a NZQA-approved language school with at least six months left on your course
- If you’re an international student, have at least six months left on your student visa.
Additional lending criteria may apply
We’ll discuss this with you during your application process.
How to apply
From overseas: +64 4 470 3142
Not an ANZ customer?
You’ll need to join ANZ first.
Join using the ANZ goMoney app by downloading it, then select Not a customer? Join ANZ > Join ANZ with a profile only. After that, you can apply for a credit card in the app or online.
Banking with ANZ
Manage your card online
Manage your card and payments online with ANZ Internet Banking and the ANZ goMoney app. Set up regular payments, temporarily block your card, manage your PIN, report a lost or stolen card, and more.
Pay with your device
Pay using your compatible device with Apple Pay3 or Google Pay™4 anywhere you can tap and pay.
Understanding credit cards
Credit cards can be convenient, but it’s important to manage this debt well. It’s a good idea to think about:
- What is a credit card
- How to avoid paying interest
- Tips to pay off your credit card
- Support if you face financial stress.
Credit card security
Important information
This is for information purposes only, talk to us for financial advice and see our advice statement (PDF 39.8KB).
Interest rates are subject to change. Lending criteria, terms and fees apply to all ANZ credit cards. You must repay your balance in full by the due date each month to get the benefit of interest-free days on purchases. Other interest rates apply to purchase and cash advances. Read more about our Rates, fees and agreements.
Eligibility criteria and terms and conditions apply to the ANZ goMoney app, ANZ Internet Banking, ANZ Phone Banking, Voice ID and Pay to Mobile. For details, see our ANZ Electronic Banking Conditions (PDF 138KB).
Conditions and exceptions apply. For further details, see Visa Zero Liability. Visa's Zero Liability policy covers ANZ Bank New Zealand Limited issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.
Balance transfer offer: Offer available for a limited time. Balance transfers can be made from most non-ANZ Visa or Mastercard cards (ASB, Bank Direct, BNZ, KiwiBank, TSB or Westpac), American Express, GE CreditLine (GEM), Q Card and Farmers Card. Full details are contained in the ANZ Credit Card Conditions of Use available from anz.co.nz or any branch. Other interest rates apply to purchases and cash advances. After two years, the standard purchase rate applies to any remaining balance transferred. Standard interest rates apply to new transactions (i.e. purchases and cash advances), and repayments will generally be applied to balance transfer amounts before new purchases.
Apple, the Apple logo, iPhone, iPad, Apple Pay and Touch ID are trademarks of Apple Inc. registered in the US and other countries and regions. App Store is a service mark of Apple Inc. Eligibility criteria and terms and conditions apply to Apple Pay. For more information see Apple Pay with ANZ.
Google Pay™ is a trademark of Google LLC. Terms and conditions apply (PDF 74KB) to Google Pay, see Google Pay for more information.