1. Interest free credit on purchases for up to 55 days.
2. 0% interest on balance transfers for 6 months. The request for the balance transfer has to be made at the time of application. You cannot transfer balance from an existing ANZ credit card.
3. Every $1 repayment made earns you a 1 reward point. You get reward points even when you make balance transfers or pay annual fees or interest payments. There is no time limit for the reward points, so you can keep on accumulating them and use it at your convenient time. This reward points can be used at a number of shopping outlets.
4. You enjoy a credit limit of $15000
5. Application forms are available online. You can expect a reply within a minute.
6. The ANZ Balance Visa Card is widely accepted all over the world.
7. You can have access to your account 24/7 through internet and phone banking
8. The transactions made online by you are secured and you are not liable to pay for any unauthorized purchases.

The annual fee for the ANZ balance visa card is $57. In addition to this, you pay $22 for a reward program fee.This card will be useful if you have a good credit habit and make all your repayments in time. For people who keep their finances under control, ANZ Balance Visa Card is worth a deal.

Want to learn more about the ANZ Balance Visa?

Australia has recently scene a decline in other major credit card offers. These include a drop in interest rates by St George, Comm Bank, Bankwest, and Aussie. The banks have felt the pressure from the Australian public to reduce their rates, after the Federal Reserve Bank dropped interest rates to a record low.

Will Interest Rates Get Lower? It is hard to predict wheter credit card rates will get lower, however competition within the credit card industry is fierce and the major providers are fighting for your business. In order to get the best low rate card for you, it is important to shop around and compare the offers available on the market. If you do your homework you are sure to find a  credit card deal that suites your needs.