Card Features
Card Issuer
ANZLow Rate MasterCard
ANZ's lowest purchase rate card with a reasonable annual fee and up to 55 days interest free days on purchases, you can also design your own card by uploading a picture, ANZ Falcon security comes as standard and the MasterCard Applause program membership offers event promotions with Ticketmaster.
Rates & Fees
| Interest Rate | Balance Transfer | Annual Rate | Interest Free |
|---|---|---|---|
| 13.39%p.a. | 0%3 months | $58 | 55 days |
Key Features
- 0% on balance transfers and purchases for 3 months
- Low ongoing rate on purchases, just 13.39% p.a.
- Up to 55 days interest free on purchases
- ANZ Falcon security
- Mastercard Applause program membership
Pros & Cons
Pros
- 0% on balance transfers and purchases for 3 months
- Great low standard rate on purchases
- Customise the card to look how you like with your own image
Cons
- High cash advance rate
Review
Editors Review
Overall a great everyday spending card because of the low purchase rate, and reasonable annual fee
Similar Cards
| Product Name | Purchases | Balance Transfer | Annual Fee | |
|---|---|---|---|---|
|
|
12.99%p.a | 4.99%6 months | $59 |
|
|
13.24%p.a | 0.99%6 months | $55 |
Application Criteria
- You must be at least 18 Years of Age
- You must be a Permanent Resident or Australian Citizen
- You must have a Good Credit History
- You must earn the Minimum Income of $15,000 p.a.
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TweetTerms and Conditions
Terms and conditions are available on application. Fees and charges apply.
1. Offer available to new applicants who apply for an ANZ Low Rate MasterCard credit card by 12 June 2012. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. The interest free period excludes cash and cash equivalent transactions, balances transferred from existing ANZ credit cards and account fees. The interest rate reverts to the standard variable rates applicable on your card account after three months. Any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. Standard variable interest rate is 13.39% p.a. on purchases and 21.49% p.a. on cash advances as at Friday, 27 April 2012 and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).
2. All applications for credit are subject to ANZ's credit assessment criteria.
3. Standard variable interest rate is 13.24% p.a. on purchases and 21.49% p.a. on cash advances as at Tuesday, 15 November 2011 and is subject to change.
4. Subject to ANZ designmycard Image Guidelines. Terms and Conditions available at www.designmycard.com.au.
5. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.
ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.