Not available for application via this website

ANZ Low Rate Credit Card (Credit back offer)

Get $250 back when you spend $1,500 on eligible purchases in the first 3 months from approval. T&Cs apply.
An annual fee of $58, which is relatively low.
Offers the option to repay eligible purchases in 3, 6, or 12-month instalments.

Pros and cons

Earn a $250 credit back when you meet the criteria.
Get a continuous low rate of 13.74% p.a. on purchases.
You can add up to 3 additional cardholders at no extra cost.
Offers 24/7 anti-fraud protection, keeping your transactions secure around the clock.
The starting credit limit is $1,000, helping you keep your spending in check
Compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

No rewards program, which is expected for a low-rate card focused on affordability
No purchase or travel insurance is included.

Additional cardholders. You can have up to 3 additional cards for friends and family for free. Bear in mind that it is the account holder who will be responsible for repayments and account management.
Digital wallets. The ANZ Low Rate card works with Apple Pay, Google Pay, and Samsung Pay plus wallets for other wearables.
Gambling transactions. ANZ does not block gambling-related transactions, but they will be charged the cash advance rate.

Complimentary travel insurance. This card does not come with complimentary travel insurance.
Concierge services. This card does not come with access to a concierge service.
Rewards points. This credit card does not have a rewards program, which is to be expected of a no-frills low-rate card.
Sign-up bonus. Apply, get approved, and receive $250 back when you spend $1,500 on eligible purchases within the first 3 months. Terms and conditions apply.

Annual fee. This card has a $58 annual fee, which will be charged on the anniversary of your card.
Balance transfers. This card doesn’t offer an introductory balance transfer, as it focuses on cashback. If you’re looking for a balance transfer, consider the ANZ Low Rate Credit Card (Balance Transfer offer), or you can also check other credit cards that offer balance transfer options.
Cash advances. If you use this card to make a cash advance, you will be charged interest starting immediately at the rate of 21.99% p.a. As well as interest, ANZ will apply a fee to process the cash advance.
Foreign exchange fee. Purchases made in a foreign currency will attract a 3% fee.
Interest-free period. Get up to 55 days interest-free on purchases (except for transactions classed as cash advances) when you have paid your previous balance in full.
Purchases rate. There is no introductory offer for purchases. Purchases made with the card will attract interest at 13.74% p.a. until they are paid off.