ANZ No Annual Fee Credit Cards
ANZ Credit Cards Overview
The selection of ANZ credit cards available should provide almost every customer with a great option to suit his or her specific financial needs. From low rate cards for those wanting to save money on credit card costs, through to 0% interest rate offers, and even Platinum cards with all the perks and extra service you’d expect, there’s an ANZ credit card to suit what you’re looking for.
ANZ Low Rate MasterCard
The ANZ Low Rate MasterCard is easily one of the best ANZ credit cards available. Not only can customers benefit from a low annual fee of just $58 per year, but the low purchase interest rate of 13.24% means you’re paying less interest on your credit card balances as compared to many other lenders.
Of course, if you’re already paying very high interest charges on your outstanding credit card balances with other banks, you could save plenty of money by selecting the balance transfer option.
At an ultra low 0% rate of interest rate for balance transfers for the first six months, you could save huge amounts on those interest charges. Simply transfer the balances from your other credit cards over to your ANZ Low Rate MasterCard and you’ll pay 0% interest for six months on the balances you bring over.
Once the 0% interest rate expires, any balance amount you have remaining will then attract the standard purchase interest rate of 13.24%. In order to really benefit from this credit card, try to make sure you repay as much as you can off the balances you transfer over before the low rate expires.
ANZ Balance Visa
The ANZ Balance Visa is the most unique of the ANZ credit cards. It’s the only card in Australia that rewards you for repaying your credit card. You can earn reward points for every dollar you pay off your balances.
This card can be ideal for anyone who is struggling to repay credit card debt, as you can benefit from the great 0% rate of interest rate for balance transfers for six months. Simply apply for the balance transfer option when you apply and you can transfer the balances from your old high interest credit cards over to your new card.
You’ll pay no interest at all on those balances for the first six months. Each time you make a repayment to your card, you’ll also know your money is going directly towards repaying your credit card debt and not wasted on expensive interest charges. This is a great way to finally get that credit card debt under control.
Of course, you’ll also be accumulating rewards points every time you make a payment, so you’re rewarded in more ways than one.
Once the initial six month 0% balance transfer rate expires, your rate will revert to the standard purchase rate of 14.24%. To get the most benefit out of this card, make sure you repay as much of the transferred balance amount as you can before the 0% interest rate ends.
If you can repay your balance in full, and then keep paying off any purchases you charge each month before the due date, you’ll benefit from a maximum of 55 days interest free.
Effectively, you could pay for your purchases at the beginning of the statement cycle and then spend a maximum of days repaying the amount you spent without incurring any interest charges. You’ll still be earning rewards points each time you make a payment and you could be paying no interest at all.
Your rewards won’t expire, so you can save them up to redeem on plenty of great items, merchandise, gift vouchers, shopping vouchers and much more.
ANZ Credit Cards rewards programs also include discounts on car hire, as well as an online entertainment program that allows members to benefit from discounts on hotels, dining, entertainment and various lifestyle attractions. There’s plenty to choose from.
Whether you’re looking for a way to save money on interest charges, or reduce your credit card balances, or find a great Platinum card offering perks and extra levels of service, or just find a great value credit card, ANZ credit cards have plenty of excellent offers to suit your specific financial needs. Shop around and find one that suits you.
