Credit Card Compare

ANZ Low Rate - Credit Back Offer

13.74%
Purchase rate
$58
Annual fee
55 days
Interest-free

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ANZ Low Rate - Credit Back Offer card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

52Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free57
  • Balance transfer39
  • Cashback80
  • Low rate63
  • Rewards21

Customer reviews

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Pros & cons

What's good

  • The 13.74% p.a. purchase rate is below the 18.99% p.a. market median.
  • No fee to add an additional cardholder.

Worth noting

  • 3.5% foreign transaction fee on overseas spending, at the high end of the market.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Personal
Credit limit
$1,000 – $100,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
13.74% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$58 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
3.5%
Late payment fee
$20

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $25, whichever is greater

Balance transfers

Limit
Up to your available credit limit
Period
0 months
Promotional rate
21.99% p.a.
Revert rate
0.00% p.a.
Transfer fee
0%

While you carry a transferred balance you may not receive interest-free days on new purchases.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Sign-up cashback
$400
Spend required
$5,000 in 6 months

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTop 10% (6th of 191 cards)
Purchase rate13.74%Better than most (58th of 195 cards)
Annual fee$58 a yearBetter than most (76th of 199 cards)
Overseas fee3.50%Not as good as most cards (152nd of 199 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
ANZ