*Not available when you transfer from an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ Low Rate MasterCard. The balance transfer interest rate reverts to the standard variable interest rate applicable to purchases on your card after six 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. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Terms and conditions apply to balance transfers (please call 13 22 73 for a copy).