ANZ Low Rate

Worst Bank I have ever dealt with. They continuously change their policies in favour of the bank and no consideration towards their customers. Be careful if you open a rewards card, read their policy carefully as they make it hard for you to earn your rewards blacklisting you by the way you pay your bills.

This bank is a joke. They should deserve 0 star. When you close your credit card, they lock you out and you have no access to know what inccurring after that. If you are urgently need to know what you have to pay them to clear out balance( like applying fot a loan). Best luck you will have to ring them and waiting on the phone for age. I rang… Read more

them 4 times and still not knowing what else I have to pay them. You wont have access to your latest statement and have to wait for them to send in mail. Life can't wait ANZ!!!!

And worse, those idots they have on the call centre have no clue and not helpful at all. They will speak over you regardless how you tried to explain. They think they are the CEO of the company or something.

Go somewhere else. They will reduce the number of days you have to pay the balance(before interest incurred) and you are not accrued one point for a dollar you spent. The apps is also sucks

Go somewhere else, worst cresit card ever

STAY AWAY AT ALL COST

Credit card service is appalling – Been a customer for 25yrs. Used to be good but poor service now. Was trying to find annual fee cost and date for credit card. Don't try and find out anything re cc at the branch, gotta phone only. 1hr wait time to even get thru to them.Twice because line dropped first time. For $1 billion a year profit they could put more people on help desk. Closed the credit card. Take your Money elsewhere if you can. Show details

Perfect solution for an emergency-only credit card – I've had this card for over 2 years now and find the fees to be exceptionally low. Have used this card in the South Pacific and didn't incur any extra fees. Great card to have for an emergency backup and easy to set up with Apple Pay. Show details

Good balance transfer offer – I’ve got 0% for 18 months balance transfer offer without any fee. Took my balance from another bank over, only paid minimum each month. Great for cash flow. If you keep a balance each month, it’s one of the lowest rate on the market. Show details

Cannot increase above $1000 – I had been with ANZ credit card for long time, no bad credit. always paid balance in full within 2 or 3 weeks. I applied westpac and nab credit cards and got approved much much higher. ANZ won't increase and I got really upset and closed anz credit card. why should i pay yearly fee if cannot increase beyond 1k? Ridiculous system. Show details

useless card – no fee, no points, $1000 limit, no use That is what ANZ offered me after I got half $M mortgage from them. The card can be adopted in APPLE pay and the internet banking is alrite. Show details

Is suitable as not always pay card off by end of month. Can redirect rewards to pay done amount – Took card as back up. Advised beforehand of where I was going. Did get a warning of someone else trying to use card in another country and the the transaction was not processed. Have had card not be accepted if not advising bank of use before going overseas. Show details

Good basic card, with easy online access – I've had this card for years, and have found it to be a very good basic credit card. There are no bells and whistles, but the interest rate is reasonable, and you have access to control it online. ANZ as a bank are generally easy to deal with, and I've found that they're quick to fix any problems. Easy to read statement, and all fees and charges… Read more

are noted in writing. The only thing I didn't like about the credit card itself was the fact that it had an annual fee attached to the account. Other than that, easy and simple credit card that does the job it's meant to.

Great service – I have had my ANZ Low Rate Credit Card for well over 10 years and found ANZ to be extremely reliable and helpful with every transaction that I have made

Excellent for the elderly – Find this card easy to use online I have never had any trouble with the bank & the low rate suits us as we are pensioners & having this card for our pension to go in makes it easy to do our banking on line Show details

Basic No Frills – Great easy to use credit card. Basic card without lots of extras, which helps to just use it when needed for back up and emergency’s. Low rate and easy to understand fees Show details

Perfect for me – Great back up card with low rate no add frills, I have only used my Card about 4 times and only for emergency. I see it as if I can't afford it. I don't need it. Show details

Perfect for Online Buying – This card is a low rate, and a low credit Limit. I use it for online buying as I have no other accounts with ANZ. Never had any issues at all, and have had versions on the ANZ card for almost 20years now. Show details

fair enough – My mastercard was changed to this visa by my bank (Pain in the a...) but the rate is lower, no frills, no problems. My best advice: don't get a credit card! Get a temporary overdraft facility. Show details

Worst choice – I applied for credit card with excellent credit rating and was asked to send payslips which I did immediately. Then never received any response! No rejection no approval no acknowledgement whatsoever. I wrote to them repeatedly every day asking for a response and got none. The same thing happened to my Aunty and her husband. I think this is very… Read more

wrong considering that it is now listed on my credit file and will affect any other credit I will have to apply for now. Really bad customer relations ANZ and thanks for ruining my credit file.

Advertising lie – Clicked on a link promising an answer in 60 seconds after filling out an application online, only answer I received was fill out another form and upload pay slips, this is not what the advertising promised would happen and lying means I will now close my 5 other accounts with them, make sure I put as many bad reviews up as I can and report their false advertising for what it is.

Scam - As always by ANZ – ANZ messed up my CC account & i was paying for a wrong card for 3 months. when i complain about the msgs i was receiving from ANZ, then they realized they have linked a wrong. now i m trying to prove a point why i have to pay interest for something which i haven't done. stupid & dumb as hell. worst bank ever

Cheap & Great Customer Service – I have not looked back since getting my low rate mastercard with the ANZ. It's a no gimic, low interest rate card that has a minimal annual fee. When I need to call the customer service centre, I get nothing but the best of service and my concerns are dealt with quickly and easily - no fuss system ! Thank you ANZ.

The repo men – I recently transferred a credit card balance across to ANZ. First statement arrives annual fee as a purchase?? Off overseas on holidays mobile starts ringing, night & day. It's an ANZ recorded message. Your 2 days past your payment date. 7 days later there personally ringing me 24x7, to make an immediate payment!!! I arrive home. … Read more

Statement says $20 late payment fee.

In stark contrast St George vertigo didn't contact me or charge me a late payment fee.

Rang the ANZ compliance manager & told her your a disgrace.

And that these tactics deployed by your department to prompt people to pay & that in the next 6 weeks when my super is transferred into my bank account.

ANZ will take precedence as a creditor in getting payed out.

I said to her does that tell you something?

My concern is if your circumstances changed

Even though I have an A grade credit rating or you had income protection.

You would not receive any help or support from this bank.

The only thing you will receive is a Chinese accented lady ringing & ringing you until you answer.

Then it's extrapolating money commitments, receipt nos & times & dates at all costs.

There is no way I would recommend this Bank to my worst enemy.

I'd rather deal with the Mafia!!!

Does not honor commitments, does not apply common sense – I had underpaid a bill by $5 given an honest oversight. I called and they gave full commitment to waive it both the finance and interest charges. Told me they will take care of everything. I paid the outstanding $5 but in the next month's statement, the finance and interest charges were still not waived but instead compounded. Repeated calls… Read more

always ended with them committing to fix it but they never their commitments. Ended up, I had enough. Cancelled all 4 cards my wife and I had with them. Extremely unprofessional! I have so many credit cards but never such an experience.

They do not even check your credit background!!!!! – I am not happy that ANZ just given my husband a CREDIT CARD that he cannot even afford to pay if he spends them..I just don't understand how can they give a person a credit card especially when he is only a pensioner...Can you honestly answer me ANZ how on earth that you granted a pensioner a credit card?I called ANZ right away and ask them why… Read more

did they grant my husband a credit card...the person that I was talking to just simple told to me to talk to my husband about it and I did...so we had an argument about it knowing that my husband is a hard headed one...I will probably gonna ended up divorcing him after almost 19 years of marriage!!!!That's how disappointed I was!!!.Don't you check someone else's background if they can actually afford to have a credit card?If people cannot afford anything because they haven't got any money,that means that giving them a credit card will help them....NO!!NO!!NO!!!you are just making their lives even harder because credit card is an easy way to waste money...you are not really helping people,especially if they don't have jobs...you are helping them ruining their lives and you know it!!!!

Efficient Procedure – ** Pros ** The whole procedure from start to finish with an online application was efficient, fuss-free and confinient for someone with a busy schedule. Didn't need to provide documents or talk to anyone for follow ups. ** Cons ** Over 21% cash advance is pretty steep but I knew that before signing up, so I'm ok with. May be a con for others.… Read more

Didn't realise there was a autatoc annual fee charged once the card was activated until I received my first statement. Read documents carefully. Conscience, speed of procedure and no follow up with any forms/calls.

Excellent – What initally attracted me to this card is the low interest rate and the fact I am with the bank. It was very easy to apply for (online) and had an immediate answer (well within 60 seconds). The card itself is an ugly plain white, but you do have the option to go online after yo receive the card to change to whatever your heart desires. The card… Read more

arrived in 2 days after applying, which I thought was lignting fast and was able to use it immediately after phone activation, which itself was very simple and took less than two minutes. Easy to apply for, low interest rate ugly card

OK – im happy with the low interest rate. I was given a credit limit of $4000 which was more than i expected (and wanted) however it doesnt bother me because its only used for emergencies. I can track my credit card payments in my internet banking. Low interest rate for me who is not a regular credit card user. They have the option of 0% balance… Read more

transfers for 6 months which i dont need but its a great bonus. I can design my card to whatever print i like, the annual fee is $58 dollars however the interest rate is smaller saving you more money than having the opposite.

Terrible – My worst experience with a credit card application.I was given to understand that the limit approved is and would be on the strength of my application.Within a matter of 10 minutes the call centre staff contradict each other.One saying that the max limit is 15K the other saying that it depends on the strength of the application.A third was happy… Read more

to waive the application fees for their error but the crooks do not tell you that an enquiry is noted on your credit file even when you decide not to go ahead and that enquiry may affect your next credit outcome.FALSE ADVERTISING,lies and deception is the name of the game for ANZ. the 0 % Balance transfer combined with the instant approval ad on the internet grabbed my attention The instant approval did not happen and the limit approved came in well short.50 % of approval limits from CBA,Westpac,NAB,St George,AMEX etc as i have dealt with other institutions before

Good – As with my Visa this card was easy to use and so I ended up with a large amount owing and couldn't afford to repay the whole balance. This is where the cards are tricky when you're paying interest every month without really reducing your balance much. Much lower interest rate than many other cards. Is a good addition to having a Visa so you have… Read more

more payment options. Bigger limit on this card than my Visa so more savings on interest by using this instead. Annual fee was a bit dearer than on my Visa but still excellent value when you consider the lower annual interest rate.

OK – A good card however one may require a second non-amex card. The annual fee is also reasonable for a gold card. Can use it world wide. This is a gold card that offers travel insurance for those travelling overseas. This card is great if one is purchasing tickets for overseas travel using it. American express cards are not accepted by a number of… Read more

merchants which limits one option to earn maximum point from it. Some even charge higher merchant fees. This means that one has to have another card alongside one's amex just in case amex isn't accepted.

Good – The card is fine, I would like to see a replacement card automatically sent out every 6 months as my card gets a flogging. Every time i have a need to use it the motel or shop will accept it. On occasion i have been overdrawn and i have still been able make a purchase. I always fix my bill ASAP (Dont you?) I like this card only because it has a… Read more

competitave interest rate and its easy to manage online.

I have had AMEX and i would not recomend this card at all. The service is poor and not every outlet will accept AMEX, this helped to sway me to ANZ. I have used may cards in the past and this one is as good as any, better than most.

Good – I have had this card for 4 months now, and although the ANZ customer service is great, something has got to be done about the cash advance interest rate, and the annual fee. Although cash advance interest rates are high, you would think that for a "Low Rate Mastercard" the interest rate for cash advances would be closer to 16%. The annual… Read more

fee also needs to come down as well, its not in line with the words "Low Rate Mastercard."

I believe that if you have the money to pay for the annual fee, this card is great for those that are just starting out, or getting together their credit history.

I personally have opened up a Progress Saver with ANZ and I put $10 away each fortnight just so that I have some money for the Annual Fee when it's due on 21st September. The interest rate is currently 11.99% on purchases, and for ANZ that is amazing just look at the interest rates on their other cards and be horrified The interest rate is 19.99% on cash advances, which I think is a little too high. The annual fee is $58 - again there are some credit cards that have annual fee's that won't leave you much change from $100, ANZ need to work on their interest rates.

OK – the card is not a bad one if you intend to use it for purchases, the rate is not too high compared to other cards, but like so many others beware of the holiday period ending once you've done a balance transfer. for even a small amount you'd pay an arm and a leg, never actually paying off more than the minimum each month. good if you plan to keep… Read more

the used balance to a minimum. or pay off very soon for a balance transfer transaction to another card interest is surreal after the balance transfer period has run out

OK – Its a low rate credit card ,good for those who make a big purchase and pay it off over time