The ANZ Low Rate MasterCard comes at the right time for everyone. As the name implies, it is a low rate interest card offering consumers special rates that nowadays are difficult to come by. It does not splash premium benefits but the simple individual looking to spend much and payback less should have a good time. If you're one prone to carry over balance from previous months, this credit card is undoubtedly created for you.

Interest rates on purchase transactions is highly competitive and one of the lowest out there. You get to enjoy up to 55 interest free days on purchases.

Balance transfers concluded at the time of application or card activation are included in the intro period during which no interest is charged. This intro offers lasts throughout a 6 month period. Balance transfers from other ANZ credit cards are not applicable.

Cardholders will have to pay a $58 annual account fee. This card charges one of the lowest annual fees in comparison with other ANZ cards but there is no rewards program. You can opt to share the joy of low rates by issuing supplementary cards to those they care about. The annual fee covers up to 3 additional cards at no extra cost. The card comes with a special feature allowing you customize the card by uploading your favourite photo. Applicants who wouldn't like a personal image may choose one from the standard library.

Account access is made easier through the phone or internet. Checking available balance via the internet is done through a secure and encrypted channel for maximum online protection. Additional benefits from MasterCard include online protection including secure numbers for added security when purchasing online. Fraud protection, emergency card replacement,

ANZ Low Rate MasterCard is the right credit card for individuals looking to receive the flexibilities of purchasing at low interest rates. A 2% minimum payment requirement implies you wouldn’t have sleepless nights as you spend. ANZ promises to give a response within 60 seconds so what are you waiting for? If low interest rates are your thing then it's advised you consolidate larger purchases on a credit card of this standing.