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ANZ Low Rate

ANZ Low Rate

3.1 from 30 reviews

Best catd

This is the best card I have seen so far low interest rate dont pisg too much if you miss a payment and give some time to catch up which is good sometimes when you are struggling
Not much effect for credit rating very good card actually
Low interest
No fees at all
Waives annual fee some times
Very very good best card of all

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateMarch 2016
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses

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 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.

Customer Service
Rates and Fees
Online Experience

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

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2012
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses and Online Shopping

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

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJune 2017
Main Point of ContactOnline
Card / Account Used ForSpecial Purchases

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.

Customer Service
Rates and Fees
Online Experience
Card Start DateJuly 2017
Main Point of ContactBranch
Card / Account Used ForSpecial Purchases

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.

Customer Service
Rates and Fees
Online Experience
Main Point of ContactPhone
Card / Account Used ForOnline Shopping

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.

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateApril 2019
Main Point of ContactBranch
Card / Account Used ForOnline Shopping

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 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.


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

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.
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 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 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.
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.


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 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


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 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.


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 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

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Questions & Answers

Are there overseas transaction fees on purchases with this card?
3 answers
Yes . The overseas transaction fee varies from 1.5% to 3 % depending on the credit card types : Visa or MasterCard , AmexyesI’ve only used this card within Australia, but I’ve purchased plenty OS items online and just used PayPal. no extra fees.

Hi there. If you dont pay your minimum monthy re payent with the put a hold on your credit card ? Cheers
2 answers
Yes most possibly.If you don't pay minimum monthly repayment on the due date You would be charged a late payment fee and this can affect your credit scores


Low Rate
Card TypeVisa
Minimum Credit Limit$1,000
Minimum Income $15,000
Additional Cardholders 3
Additional Cardholder Fee $0 p.a.
Minimum Repayments2%
Rates & Fees
Purchase Rate12.49% p.a.
Cash Advance Fee2%
Late Payment Fee$20
Annual Fee$58
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$5
Interest Free Period 55 days
Cash Advance Rate21.74% p.a.
Release dateAug 2006

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