ANZLow Rate Visa
4527 9701 3467 0541
VALID THRU 04/30CASEY BROOKS
Balance Transfer · New Zealand
ANZ Low Rate Visa
4.6 / 5 editorial rating
Best for: a long, low-rate balance transfer and no-fee overseas spending
Annual feeNo annual fee
IssuerANZ
NetworkVisa
Purchase APR13.90% p.a.
Foreign transaction fee0%
Credit neededNZ citizen or permanent resi…
Pros
- Two-year low rate on balance transfers
- No annual fee
- No currency conversion charge
Cons
- No rewards
- Cash advances cost 20.95% p.a.
- The balance transfer offer is for a limited time
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The ANZ Low Rate Visa has no annual fee, a 13.90% p.a. purchase rate and no currency conversion charge. A limited-time offer gives 1.99% p.a. for two years on balance transfers.
ANZ Low Rate Visa at a glance
| Issuer | ANZ |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | None |
| Welcome bonus | See issuer for the current offer |
| Intro APR | 1.99% p.a. for the first two years on balance transfers (limited-time offer) |
| Regular APR | 13.90% p.a. |
| Foreign transaction fee | 0% |
| Credit needed | NZ citizen or permanent resident, or a work visa issued for 2+ years with 1+ year left; NZ$500 minimum credit limit |
| Best for | A long, low-rate balance transfer and no-fee overseas spending |
Key features
- 13.90% p.a. on purchases; 20.95% p.a. on cash advances
- 1.99% p.a. for the first two years on balances transferred from most non-ANZ cards (limited-time offer)
- Up to 55 interest-free days on purchases
- 0% currency conversion charge on foreign currency transactions
- No annual fee and no additional card fee
Pros
- Two-year low rate on balance transfers
- No annual fee
- No currency conversion charge
Cons
- No rewards
- Cash advances cost 20.95% p.a.
- The balance transfer offer is for a limited time
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
ANZLow Rate Visa 4527 9701 3467 0541 VALID THRU 04/30CASEY BROOKS ANZ Low Rate VisaA long, low-rate balance transfer and no-fee overseas spending |
None | None | 1.99% p.a. for the first two years on balance transfers (lim… | 0% | NZ citizen or permanent reside… | |
ASBVisa Flex 4738 8385 9693 4496 VALID THRU 04/29CASEY BROOKS ASB Visa FlexThe lowest purchase rate, with no account fee and no offshore margin |
None | None | None | 0% (no Offshore Service Ma… | Aged 18 or over, NZ citizen or… | |
ASBVisa Light 4217 1332 4539 9683 VALID THRU 02/31MORGAN LEE ASB Visa LightSpreading a large purchase at 0% for six months, with no account fee |
None | None | 0% p.a. for 6 months on any single eligible purchase of NZ$1… | 0% from 15 September 2026… | Aged 18 or over, NZ citizen or… | |
ANZ Airpoints Visa PlatinumAirpoints earners who travel overseas and want no currency conversion charge |
NZ$150/yr | 1 Airpoints Dollar per NZ$110 on eligible purchases, with no earning l… | None | 0% | NZ$8,000 minimum credit limit;… |
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