ANZ Low Rate MasterCard

The ANZ low rate credit card provides ANZs lowest ongoing rate on purchases. Current special offer of 0% on purchases and balance transfer. Overall a good package for a low rate card from a trusted bank. Offer Ends 12 June 2012

	ANZ Low Rate Credit Card Key Features
	0% p.a. on purchases for the first 3 months (reverts to low purchase rate) 0% p.a. on balance transfers for the first 3 months Purchase rate of 13.39% p.a. and cash advance rate of 21.49% p.a. Up to 55 days interest free credit on purchases Low annual credit card fee of $58 MasterCard Applause™ & MasterCard Global Service™ ANZ Falcon™ - provides around the clock monitoring for suspicious transactions. Flexibility to add up to three additonal cardholders add no additional costs

	Credit Card Application Criteria
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $15,000 p.a.

Terms and Conditions
Terms and conditions are available on application. Fees and charges apply.

1. Offer available to new and approved applicants who apply for an ANZ Low Rate MasterCard credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The interest-free period commences from the date of approval and applies to purchases and non-ANZ balances transferred to your new credit card. 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 from the date the card is approved and 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. Balance transfers must be completed at the time of applying for or at the time of activating your new credit card. 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 13.39% p.a. on purchases and 21.49% p.a. on cash advances as at Friday, 27 April 2012 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. .

™ 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.