The ANZ low interest rate credit card is called the ‘ANZ Low Rate MasterCard‘ and it offers you a genuine low interest rate of just 13.49% p.a., compare this card to other credit cards on the market and you will find a big difference in applied rates.

Low interest credit cards are for people who use credit but don’t always reduce the debt regularly. If you think of every percent of interest being charged to your balance, then a low rate credit card will offer greater savings by charging you less in interest.

To help you reduce your interest rate, ANZ Low Rate MasterCard offers you a convenient balance transfer feature. You can transfer your balance from other banks credit cards to a new credit card account with ANZ, ANZ will even organise the transfers for you.

At 2.9% p.a. for 12 month on all balance transfers, ANZ will help you get your credit card finances under control with a very low interest period.

ANZ’s low rate MasterCard is an all-purpose credit card has more to offer than just low interest. You’ll also have a low annual fee of just $58 per year.

Security is a big priority with ANZ, they offer a trademark credit cards security service called Falcon. With Falcon always monitoring your credit card transactions, any suspicious behavior is flagged and you will be notified of the transaction. If you have not approved the transaction that transaction will be stopped and your card may be cancelled for your protection from credit card fraud.

Falcon is a 24/7 monitoring service on your account so you’ll be safe with all purchases, which is handy since MasterCard is accepted in over 29 million location around the world.

Many credit cards offer a number of extra rewards that may sound appealing but often come at the expense of a higher interest rate. With the ANZ low rate MasterCard; this is not the case as you’re not going to be paying for rewards that you’re never going to use. This card is a straight up low interest line of credit.

So if your looking for a low interest credit card, give the ANZ Low Rate MasterCard some consideration, you may find its the perfect choice for your credit situation.

We all have one and we probably pay a fair amount every month to use one, yes it the incredibly convenient mobile phone. It is virtually an essential part of today’s life style to always be contactable with your mobile phone, yet you probably have been forced to lock yourself into a 2 year contract to join an Australian major phone network.

There is a mobile phone service with no locking contract and very cheap call rate. Its call Amaysim, Australia’s newest entrant into the mobile phone service business.

Amaysim is a real competitor with the lowest call rates on offer at 15c per min. Most other carriers cost around 30c per min.
There is no flag-fall fee with Amaysim so you half the cost of a quick phone call.
Amaysim uses the Optus network reaching over 93% of Australians, so mobile coverage wont be a problem.

You can even take your current mobile number with you.

So if you want to save a bit of cash on your mobile bill give Amaysim a look. It is the best mobile phone deal to hit Australia in a very long time.

10 Reasons to Switch

You can save money

With amaysim, our low rates mean you could slice a big chunk off your mobile bill. Check out our Savings Calculator to see how much you could save.

It’s easy to understand

Any standard call, any time, any day, any national network, made anywhere within Australia – all at one low rate. It’s that simple!

You don’t need to sign a minimum term contract

We’re not going to lock you in – we know you’ll want to stay because you love our service. That means no minimum term contracts, no strings attached.

You’ll get the best service

Our service team is here seven days a week – from 8am to 9pm weekdays and 10am to 6pm on weekends – to answer your call or email. But the thing is, most of our customers should never need to ring us – that’s what’s great about having a reliable mobile service with simple prices and no contracts.

We’re open and genuine

Our simple, transparent pricing means you can effortlessly see what you’re paying for and what you’re getting.

We make managing your account easy

With our easy-to-use ‘my amaysim’ service you can activate your SIM, check your balance, recharge your account, change your personal details or payment method, add an internet package and download invoices. Like everything else with amaysim, you’re in control.

We cover 96% of the population

Powered by Optus’ 3G dual band network, amaysim’s coverage includes 96% of the Australian population. Now that’s impressive!

You choose how to pay

Whether you decide to pre-pay your account or opt into post-paid (for approved customers), you’ll pay the same great rates. And if you change your mind, it’s simple to change the way you pay.

There’s no minimum spend

Whether you choose pre-paid or post-paid, you only pay for what you use. With no minimum spend, you can look forward to only paying for the calls you make.

This is only the beginning

We listen to our customers and concentrate on giving them what they want. So as an Amaysim customer, you’ll enjoy more innovation and more great offers as we continue to grow.

In this day and age, not all merchant transactions are conducted traditionally–face to face in a store. More and more people are purchasing items through the mail, the phone, and most frequently, through the internet. Cash and Cheques are not readily accepted when trying to purchase items through these non-traditional methods. Consumers are forced to use credit cards to buy online. However, using credit cards can lead to financial difficulties because some times people buy items on credit when they simply don’t have the cash to pay it off.

There is another method of payment is available—the debit card. There are benefits to using a debit card, not only on the internet, but in the supermarket or department store is you pay like a credit card buy you use your own money..

A debit card looks the same as a credit card, and it is as convenient to use as credit card. For instance, when making large purchases, most people do not want to carry too much cash in their pockets or purses; it is so much easier to just swipe a card. Another way to pay is by cheque, but when people try to use cheques for purchases, they must provide identification and some businesses will not even accept cheques any more. Plus writing out a cheque takes more time and holds up the check-out line. Another convenience of debit cards is enjoyed if individuals travel. If a person travels outside of Australia, cheques are not accepted after he or she leaves the country. Travelers must have traveler’s checks (which have to be purchased), cash, credit cards or debit cards. Cards are just so much handier than trying to keep track of traveler’s cheques or large amounts of cash. These convenience factors show how credit and debit cards are similar, but debit cards actually work much differently than credit cards. Actually, debit cards function more like cash or a cheque, but with the convenience of a credit card. Debit cards are the better choice.

Debit cards are associated directly to a bank account. When a buyer purchases an item with a debit card, the money for item is immediately deducted from the bank account of the buyer. In other words, the buyer is paying as he or she goes. This makes it easier to not over spend, and there are no interest charges. With a credit card, the purchase goes onto a statement to be paid at a later date. Credit cards give the false illusion of being able to purchase all sorts of items without having to worry about paying for them—until the statement comes. Then if the individual doesn’t have the money to cover the bill, he or she is stuck paying exorbitant interest charges of any where from 9% to 23%.

However, not all debit cards are equal. When comparing debit cards from different banks, look for a card that offers no transaction fees for using the debit card. Some debit cards charge for every transaction. Also look for a card that carries liability for stolen cards. No consumer wants to be stuck for the bill of a stolen card. Also compare overdraft fees. Some cards will not allow purchases to be made if there is not money in the account to cover the transaction. However, some cards will allow the purchase, and then charge hefty overdraft fees.

Overall, debit cards are a convenient and world-wide accepted way to pay for goods and services. There is no reason to wait any longer for a debit card. Apply now for a debit card and find out the benefits of using debit cards.