{"id":71675,"date":"2026-05-07T16:05:00","date_gmt":"2026-05-07T16:05:00","guid":{"rendered":"https:\/\/wivlox.com\/f9e01722-f865-4da7-aaf7-33fbdc9d9d23\/"},"modified":"2026-05-07T16:05:44","modified_gmt":"2026-05-07T16:05:44","slug":"f9e01722-f865-4da7-aaf7-33fbdc9d9d23","status":"publish","type":"post","link":"https:\/\/wivlox.com\/en_gb\/f9e01722-f865-4da7-aaf7-33fbdc9d9d23\/","title":{"rendered":"ANZ Low Rate \u2013 Credit Back Offer: 13.74% p.a. &#038; R400 Credit Back"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">ANZ<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Competitive 13.74% p.a. purchase rate, R400 cashback on qualifying spend, and an annual fee of just R58\u2014ideal for cost-savvy spenders.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/wivlox.com\/en_gb\/redirect\/?https:\/\/www.finder.com.au\/credit-cards\/instant-approval-credit-cards\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<p>The ANZ Low Rate \u2013 Credit Back Offer provides a competitive intro purchase rate of 13.74% p.a. and annual fee of just R58. As a standout reward, you can receive R400 credited to your account upon spending R5,000 on qualifying purchases within your first six months. This makes it a strong option for those seeking both affordability and rewards.<\/p>\n<h3>How to Apply Step by Step<\/h3>\n<ul>\n<li>Choose your preferred card application method (online is fastest)<\/li>\n<li>Confirm that you meet eligibility requirements: age, income, and residency<\/li>\n<li>Prepare identification and summary of income and expenses<\/li>\n<li>Fill in the application with accurate details and submit<\/li>\n<li>Wait for approval, which often arrives within 60 seconds<\/li>\n<\/ul>\n<h3>Pros of the ANZ Low Rate \u2013 Credit Back Offer<\/h3>\n<p>The low ongoing purchase rate helps you manage balances more affordably. Additionally, the R400 credit back on R5,000 spend boosts the card\u2019s overall value, especially if you use it for everyday purchases.<\/p>\n<p>Annual fees remain on the lower side, supporting budgeting without excessive monthly outgoings. The straightforward application can lead to instant approval, making the process very convenient.<\/p>\n<h3>Cons of the Offer<\/h3>\n<p>The cashback is conditional on high first six-month spend, so it may not suit low spenders. If you don\u2019t reach the qualifying amount, you miss the main reward.<\/p>\n<p>The 21.99% p.a. balance transfer rate after intro period is quite steep, so it\u2019s not ideal for long-term carried balances or large unpaid amounts.<\/p>\n<h3>Our Verdict<\/h3>\n<p>The ANZ Low Rate \u2013 Credit Back Offer delivers a nice blend of a competitive purchase rate, manageable annual fees, and a valuable cashback reward. It is best suited to disciplined spenders who can meet the initial spend requirement to unlock the credit back benefit. As an independent reviewer, I recommend it for those prioritising cost-efficiency and value in their credit card selection.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">ANZ<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Competitive 13.74% p.a. purchase rate, R400 cashback on qualifying spend, and an annual fee of just R58\u2014ideal for cost-savvy spenders.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/wivlox.com\/en_gb\/redirect\/?https:\/\/www.finder.com.au\/credit-cards\/instant-approval-credit-cards\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>ANZ Low Rate Credit Card offers 13.74% p.a. on purchases and R400 cashback on R5,000 spend in 6 months. Only R58 annual fee. See step-by-step how to apply and pros &#038; cons before making your choice.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ANZ Low Rate \u2013 Credit Back Offer: 13.74% p.a. &amp; R400 Credit Back - wivlox.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wivlox.com\/en_gb\/f9e01722-f865-4da7-aaf7-33fbdc9d9d23\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ANZ Low Rate \u2013 Credit Back Offer: 13.74% p.a. &amp; R400 Credit Back - wivlox.com\" \/>\n<meta property=\"og:description\" content=\"ANZ Low Rate Credit Card offers 13.74% p.a. on purchases and R400 cashback on R5,000 spend in 6 months. 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