ANZ · Visa
ANZ Low Rate Visa
Mechanical fact card. Every figure on this page is sourced from ANZ's published Conditions of Use document; the small green/blue/amber chip next to each value links to the source.
Ingested 21 May 2026. 36-month freshness cap enforced.
Purchase APR
Not in T&C
Cash advance APR
Not in T&C
Interest-free days
Not in T&C
Fees & charges
| Annual fee | $0 A |
| Additional / supplementary card fee | $0 A |
| Foreign transaction fee | 1.30% A |
| Cash advance fee | Not in T&C |
| Cash advance fee % | Not in T&C |
| Late payment fee | $6 A |
| Over-limit fee | Not in T&C |
| Replacement card fee | $5 A |
| Statement copy fee | Not in T&C |
Interest mechanics
| Purchase interest rate (APR) | Not in T&C |
| Cash advance interest rate | Not in T&C |
| Balance transfer promo rate | Not in T&C |
| Balance transfer promo period | Not in T&C |
| Default / penalty rate | Not in T&C |
| Interest-free days | Not in T&C |
| Minimum repayment % | 3% A |
Rewards mechanics
Rewards mechanic A
Cashback Offers program (ANZ Loop) provides merchant-funded cashback for eligible transactions identified in goMoney; ANZ CashBack Visa cards also earn CashBack Rewards per a separate Programme Guide.
Earn rate A
Cashback Offers shall mean a cashback promotion displayed in goMoney where eligible customers may qualify for Cashback based on completing an Eligible Transaction(s). Cashback is paid by the merchant directly into the card account that the Eligible Transaction was made from via an Original Credit Transaction.
Partner programs A
Visa,ANZ Loop Cashback Offers,ANZ Airpoints Visa,ANZ CashBack Visa
Eligibility
| Minimum age | Not in T&C |
| Minimum annual income | Not in T&C |
| Residency / citizenship | Not in T&C |
| Employment status | Not in T&C |
| Credit limit range | Not in T&C |
Approval, credit limit, and pricing are determined by ANZ under CCCFA and the Responsible Lending Code. This page is informational only — not a pre-approval and not financial advice.
Your dispute and chargeback rights
External dispute resolution scheme A
banking_ombudsman
Closure & cooling-off
Closure rules A
We can cancel your ANZ credit card and card account if you haven't used your ANZ credit card and card account in some time, we've sent you a new ANZ credit card but you haven't activated it, we believe we'll suffer a loss if you continue to use your ANZ credit card or card account, you die or become insolvent, or you've broken these conditions of use. If we've cancelled your ANZ credit card or any additional cardholder's ANZ credit card, you must still pay any outstanding balance, and any interest or fees we charge on your outstanding balance.
Frequently asked questions
What is the annual fee on the ANZ Low Rate Visa?
ANZ Low Rate Visa has an annual fee of $0. This figure is sourced verbatim from the card's Conditions of Use PDF. Refer to ANZ's current Conditions of Use before applying — fees can change.
How do I dispute an unauthorised transaction on the ANZ Low Rate Visa?
Contact ANZ first, then escalate to the relevant external dispute resolution scheme (typically the Banking Ombudsman Scheme or FSCL). The Commerce Commission enforces CCCFA fair-dealing obligations.
How current is the information on this page?
Every figure on this page is sourced from ANZ's published Conditions of Use document. The T&C was ingested on 21 May 2026. We enforce a 36-month freshness cap; any fact older than that is excluded from rendering. Cross-check the issuer's current Conditions of Use before applying.
Is the ANZ Low Rate Visa "the best" credit card?
We don't rank credit cards on this site. Under FMA and CCCFA fair-dealing rules, "best for X" or "lowest rate guaranteed" claims require disclosed methodology that we don't publish. We list the facts; you compare what matters to your situation. If you need one-on-one advice, see a licensed Financial Advice Provider — we don't provide personalised advice.
Methodology & source-tier system
Every fact on this page carries a source-tier badge: Tier A = verbatim from the issuer's published Conditions of Use PDF; Tier B = issuer's live website; Tier C = our editorial registry (used when T&C ingest is pending); Tier D = third-party source.
We don't rank cards, don't publish "best for X" superlatives, and don't make approval claims. Approval decisions sit with the issuer under CCCFA and the Responsible Lending Code. For one-on-one advice, contact a licensed Financial Advice Provider.
Last snapshot generated Invalid Date. T&C ingest cycle: monthly. Source-document freshness cap: 36 months.