60 secs response- Up to 3 free additional cardholders
- Visa PayWave
- Low $30 annual fee
- 0% p.a. for 18 months on balance transfers
- ANZ's Fraud Money Back guarantee covering any fraudulent losses
- Selection of extras, including Purchase Protection Insurance and Extended Warranty Insurance
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
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ANZ Credit Cards
ANZ First Credit Card
Updated 5 August 2020
This offer with the ANZ First Visa card has a great 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies), reverts to 20.24% p.a. With a low annual fee of $30, the ANZ First card is intended by ANZ to be their customer's first card. It has a few significant features, designed for sensible use. With Apple Pay®, Google Pay™ and Samsung Pay™, you can use your compatible device to tap and pay using your ANZ First card.
Purchase Rate (p.a)
20.24%
Balance Transfer (p.a)
0% for 18 months
2% balance transfer fee applies.
Reverts to 20.24% p.a.
Annual Fee (p.a)
$30
Pros and cons
- A one-off 2% fee applies to balance transfers
- High purchase and cash advance rate
Creditcard.com.au review
Editor Review
ANZ First Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The ANZ First Credit Card
With its 0% balance transfer offer and low ongoing annual fee, the ANZ First Credit Card could be the perfect option if you’re looking for a way to save money while paying down existing credit card debt. Giving you a whopping 18 months at 0% on balance transfers, this card completes its offering with a handy selection of extras, including Purchase Protection Insurance and Extended Warranty Insurance.
What we love...
Giving you plenty of breathing space while you work on clearing existing credit card debt, the ANZ First Credit Card is a great little money-saver. With its awesome balance transfer offer, this card allows you to transfer the balance from your current credit card, so that it accrues 0% p.a. interest for 18 months (2% fee applies). With a year and a half of zero interest, you could really put a dent in that debt.
As for ongoing costs, the ANZ First Credit Card happens to have ANZ’s lowest annual fee. Again, by paying less on fees, you can really concentrate on clearing your transferred balance. On the other hand, if you don’t need to transfer a balance, this card simply works as a low fee card, not costing too much to keep in your wallet.
If you choose to add family members to the account, you can add up to three additional cardholders at no extra cost. While additional cardholders can be of benefit on rewards cards (helping you to earn more rewards in a shorter period of time), on cards like the ANZ First Credit Card, adding more cardholders to the account is really just a convenience.
Looking for more ways to save money? With up to 55 days interest free on purchases, you could save on interest when making purchases large or small. To take advantage of this feature though, be aware you need to pay your balance in full by the due date each month. Check out the terms and conditions to find out more.
What’s not so great...
While the ANZ First Credit Card may be a low fee credit card, it’s certainly not a low interest credit card. The purchase rate and cash advance rate on this card are relatively high, so it’s best to clear your balance month-to-month, to avoid interest accruing.
If you use the card’s balance transfer offer, know that there is a 2% balance transfer fee, and any balance left unpaid at the end of the intro period reverts to the card’s standard balance transfer rate (which is currently the same as the cash advance rate).
Why should you choose this card?
Despite its name, the ANZ First Credit Card is not just for first-time credit card applicants. While it may work well for first-timers, given its basic features and low annual fee, this card can work for anyone who wants a low fee card with an excellent balance transfer offer. And happily, the card also offers a few nice features to sweeten the deal.
With Visa Entertainment membership, you can enjoy access to special offers, ticket pre-sales and movie screenings. As a cardholder, you can also benefit from complimentary Purchase Protection Insurance and Extended Warranty Insurance on your purchases, plus all the basics, such as contactless payments, ANZ Fraud Money Back Guarantee and fraud monitoring from ANZ Falcon.
Overall Rating
The perfect money-saver for anyone looking for a low fee credit card, the ANZ First Credit Card offers a superb 0% balance transfer offer, complimentary insurances and all the basic features you expect from a credit card.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 20.24% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 18 months
Balance transfer revert rate 20.24% p.a.
Balance transfer from personal loan N/A
Balance transfer fee 2% one off
Balance transfer limit 95% of approved credit limit
Banks you can't balance transfer from ANZ
Credit limits
Minimum credit limt $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $30 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2% or $10 - whichever is greater
Cash advance fee 2%
Late payment fee $20
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Overview
ANZ First Credit Card
Key features
- 0% p.a. for 18 months on balance transfers (2% balance transfer fee applies). Reverts to standard balance transfer rate, currently 20.24% p.a.
- ANZ's Fraud Money Back guarantee covering any fraudulent losses
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Worldwide emergency card replacement
- Exclusive discounts and benefits provided by Visa Entertainment
- Verified by Visa - free additional online security for transactions
- Up to 55 days interest free on purchases
- Up to 3 free additional cardholders
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
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Permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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