ANZ Low Rate
ANZ Low Rate is issued by ANZ. Every figure below is one ANZ publishes, with the date it was read.
The facts
What stands out
ANZ's Consumer Credit Cards Fees and Charges schedule states a $58 annual fee for ANZ Low Rate, a $20 late payment fee, and an overseas transaction fee of 3.5% of an overseas transaction.
The standard annual interest rate on purchases is 13.74% p.a. and the standard rate on cash advances and standard balance transfers is 23.49% p.a., as published on ANZ's Low Rate page.
ANZ publish current variable rates of 23.49% p.a. for cash advances and standard balance transfers.
ANZ states that on and from 28 October 2026 the Cash Advance Fee will increase from 3% to 3.5%, the minimum fee from $3 to $4, and the maximum fee from $20 to $50.
Up to three additional cardholders can be added at no cost.
Stated as facts from ANZ's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
13.74%
$58 a year to hold · Up to 55 interest-free days
Go to ANZ Low Rate
Back to all credit cardsChecked 5 October 2026