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.

Low rates, plus a reasonably low annual fee ($58) made this a less intimidating and probably fairly solid choice for my first credit card. But while it is a good basic credit card, it does not accumulate points, and it lacks the travel benefits other cards offer by charging international transaction fees and not offering the free travel insurance included with other cards. A good basic, first credit card.

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.

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.

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.

I rely on this card for months when I am struggling, as I do not always pay my card in full at the end of every month the fact that it is the low-interest rate on purchases, gives me the reassurance that I made the right choice, other features are usual

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

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.

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

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

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

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.

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.

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.

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.

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.

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

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