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ANZ First Credit Card
ANZ First Credit Card

ANZ Credit Cards

ANZ First Credit Card

Updated 2 May 2022

With a low annual fee of $30 and minimal perks, this ANZ card is designed for first time credit card users. It offers a 0% interest rate on purchases for 20 months (reverts to 20.24% p.a.), plus, a $30 credit back to your new ANZ First credit card. With Apple Pay, Google Pay and Samsung Pay, you can use your compatible device to tap and pay using your ANZ First card.

*New card. T&Cs, eligibility criteria, fees and charges apply.

Purchase Rate (p.a)

0% p.a.

for 20 months. Reverts to 20.24% p.a.

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$30

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. for 20 months on purchases
  • $30 credit back to your account
  • Low $30 annual fee
  • Up to 55 days interest free on purchases
  • Up to 3 free additional cardholders
  • Access to exclusive cashback offers with Cashrewards Max
  • ANZ's Fraud Money Back Guarantee covering any fraudulent losses
  • Selection of extras, including purchase protection insurance and extended warranty insurance
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

  • High purchase and cash advance rate
  • No rewards program

Creditcard.com.au review

Editor Review

ANZ First Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The ANZ First Credit Card

With its 0% purchase rate promotion, $30 credit back and low ongoing annual fee, the ANZ First Credit Card could be the perfect option if you're looking to cut down your card costs. Giving you 20 months interest-free on purchases, this card completes its offering with a handy selection of extras, including purchase protection insurance and extended warranty insurance.

What we love...

Offered to new ANZ First cardholders, this card offers a 0% interest rate on purchases for the first 20 months. This introductory period gives you a breathing room to pay off your purchases, without accruing any interest.

As for ongoing costs, the ANZ First Credit Card happens to have ANZ’s lowest standard annual fee at $30. 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 after the introductory period 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.

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 purchase offer. And happily, the card also offers a few nice features to sweeten the deal.

Cardholders can now access cashback offers through Cashrewards Max when they shop with their eligible ANZ card. Simply sign up online for free and link your eligible ANZ card to start enjoying cashback offers at participating retailers.

With Visa Offers + Perks 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% purchase offer, complimentary insurances and all the basic features you expect from a credit card.

User reviews

ANZ First Credit Card ( based on 6 Creditcard.com.au user reviews )

81% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Introductory purchase rate 0% p.a. for 20 months

Cash advance rate 21.24% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $30 p.a.

Additional cardholder fee Up to 3 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2% or $25, whichever is greater

Cash advance fee Consumer: 3% (in Australia); 3% of the amount or $4, whichever is greater (for overseas); Commercial: 1.50% or $1.50 whichever is greater

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

Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Overview

ANZ First Credit Card

Key features

  • 0% p.a. for 20 months on purchases (reverts to 20.24% p.a.)
  • $30 credit back to your account
  • Up to 55 days interest free on purchases
  • Up to 3 free additional cardholders
  • Complimentary insurance for your shopping
  • Access to exclusive cashback offers with Cashrewards Max
  • ANZ's Fraud Money Back Guarantee covering any fraudulent losses
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Offers + Perks
  • Verified by Visa - free additional online security for transactions
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • 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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

81 questions (showing the latest 10 Q&As)

Latina

Latina

8 May 2022
I am interested in this card for my daughter who is a university student. What is the minimum income requirement?
    Pauline - CreditCard.com.au

    Pauline

    9 May 2022
    Hi Latina, thanks for your interest. I checked however the exact salary is not indicated on ANZ First credit card’s eligibility. From our previous comments, it looks like $15,000p.a. is the minimum. Hope this helps!

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