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ANZ First Credit Card
ANZ First Credit Card

ANZ Credit Cards

ANZ First Credit Card

Updated 23 July 2021

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 12 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 12 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 12 months on purchases
  • $30 credit back to your account
  • Up to 3 free additional cardholders
  • Low $30 annual fee
  • 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

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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 12 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 12 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.

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 12 months

Cash advance rate 20.24% 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

Cash advance fee Consumer: 2% or $4 whichever is greater (2% or waived for RTA); 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 12 months on purchases (reverts to 20.24% p.a.)
  • $30 credit back to your account
  • ANZ's Fraud Money Back Guarantee covering any fraudulent losses
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Offers + Perks
  • 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

  • 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

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.

Recently Asked Questions

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

77 questions (showing the latest 10 Q&As)

KB

KB

5 May 2021
Hi there, can you get a credit card if you are a permanent resident but only have a 6 month full-time contract at this stage? Salary is way above min sal levels for all credit cards. Have no credit history in Australia as just arrived (on a PR) in January 2021. Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 May 2021
    Hi KB, thanks for your comment. Due to the very specifics of the nature of your Visa and the ongoing Covid-19 travel restrictions, it might be worth your while calling ANZ to speak to them. I hope this helps.
Matt

Matt

16 April 2021
I have a good credit score with both Experian and equifax, no bad credit and very few enquires. However I am self employed. Will this matter?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2021
    Hi Matt, self-employed people can apply for ANZ credit cards. You will have to provide your most recent personal tax return and corresponding ATO Notice of Assessment (less than 18 months old). I hope that helps.
Avi

Avi

16 April 2021
Hi Roland, Hope you are well. I am considering to apply for ANZ First credit card. I want to know the purchase rate reverts from 0% to 20.24% after 12 months- this means if I do not pay within the period say 55 days then i have to pay with an internet of 20.24% on the top after 12 months. Also, will the Annual fee of $30 will be credited after 12 months or before and is there 0 annual fee for the lifetime. Thanks, Avi
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 April 2021
    Hi Avi, the rate reverting to 20.24% p.a. after 12 months means that any unpaid balance will start to be charged interest at 20.24% p.a. This includes new purchases and any purchases that remain unpaid from the promo 12 months. As for the $30 annual fee it is separate from the one-time $30 credit. So each year you have the card you will pay a $30 annual fee. And the $30 credit is issued just once (within 3 months) when you first activate the new card. I hope that helps.
William

William

14 April 2021
Hi I have a 475 credit score and 10 applications on my credit history will I be approved for a ANZ credit card? I don’t have any defaults
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 April 2021
    Hi William, a credit score of 475 is considered the lowest band and considered below average with both major credit reporting bureaus in Australia (Experian and Equifax). It is unlikely that with that score and 10 previous applications that you'd be approved for a credit card at this time. Before you apply for credit again in the future there are some things you can do to improve your score and your chances. Make all your repayments on time, lower any available credit limits you're not using and wait at least 6 months before applying. Also make sure that you check your score again before you consider another application (this won't harm your score). I hope that helps.
Alf

Alf

4 February 2021
When you apply how long does it take to get an answer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 February 2021
    Hi Alf, it varies, though as a guide it takes around 5-10 business days from application to getting your card. You should get some answer in a few days. This card is designed to be a first card so is one of the easier to get approval.
Lloyd

Lloyd

25 January 2021
Hi. I have a high credit score but no credit history at all. I applied for a suncorp cc today but was declined as I dont have a credit history. I have funds available and don't need the cc for funds but rather to get a credit history. How do I get a cc if they decline me for not having a credit history?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2021
    Hi Lloyd, sounds like this ANZ First offer could be a start for you. Post good usage, then you can get a card that has better rates and features that you are after.
kerri

kerri

10 December 2020
can i balance transfer a zip money account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 December 2020
    Hi Kerri, no on ZIP money. This is more of a line of credit than a credit card.
Alf

Alf

3 December 2020
Thanks for the answer Roland. I will apply and see how it goes. Otherwise do you think I should go for the other ANZ credit card you mentioned (ANZ First Credit Card) Is there a reason I see ANZ mentioned often? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2020
    Hi Alf, ANZ are just one of many banks. You came through asking on ANZ, so I let you know a card that I would recommend from that bank. There are other no foreign fee cards that could work as well. Though for me, with the rewards points earning, this is the one. There are so many cards that you can choose from. Its all about your needs. The ANZ First has high interest, no rewards and charges foreign fees. So based on what you have mentioned. It does not seem the best.
Alf

Alf

30 November 2020
Thanks for answering rather fast. I am starting to sell products in Australia and mainly the US. So some transactions will be in US dollar. I will be paying my balance monthly and I dont not have a credit card currently. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 December 2020
    Hi Alf, if you are purchasing in USD, even for a percentage of transactions. Then its worth getting a no foreign fee card. ANZ have just brought back to market today, the ANZ Rewards Travel Adventure. You earn rewards points, pay no foreign fees plus other benefits. I really like this card. If you have the income and credit to support this application, I would go for it.
Alf

Alf

30 November 2020
Which credit card will you recommend to start with and to use with a medium amount of online transactions? Is it better to stay with your bank? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 November 2020
    Hi Alf, it depends on whether the online transactions are in overseas currencies or not. Do you pay off your balance in full each month? What credit card do you currently have?
Pamela

Pamela

1 October 2020
I have a low credit score due to a credit card not being paid on time (I had a balance under $100 I wasn't aware of). I only have 1 credit application on my file (same bank 4 years ago). Would this ANZ first card be an option to rebuild my score?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2020
    Hi Pamela, yes this could be an option as is a starter credit card. I assume that you have paid any of the issues with the previous credit card?
Jenisha

Jenisha

14 September 2020
Can we apply for credit card without providing the employer details
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 September 2020
    Hi Jenisha, you will need to supply pay slips to verify your income. Alternatively if you run your own business, your accountants details. I am not sure how you can apply if you don't provide any details of employment.
Lievin Ndimanyi

Lievin Ndimanyi

14 September 2020
I have a credit score of 382, I would like to improve this, what should I do?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 September 2020
    Hi Lievin, do you have any negative activity on your credit file? Or is the low score based on a lack of activity? If its simply a lack of activity and not you being late on bills or defaulting. Then its really about using credit more and paying all bills etc on time. In that sense, then this ANZ First would be a good option to build your credit through positive credit activity. Even if you just go for a $500 limit. Other ways include online services like https://www.tippla.com.au/. They monitor your score and provide you tips on how to use.
Jarrod

Jarrod

31 July 2020
Hey can I get help applying for a credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 July 2020
    Hi Jarrod, what help do you need? To apply for an ANZ First credit card, you need to Be 18 years of age or over, and Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa Have a good credit rating. Details to have handy Australian driver’s licence number (if you have one) Details of your income, assets and liabilities Two recent pay slips for income verification If you’re self-employed, you’ll need your accountant’s phone number Details of your living expenses, such as regular bills ANZ Account number or Customer Registration Number (if you have one) Your email address
JS

JS

12 June 2020
I m new for an employee just starting 5 months ago. First apply was Joints with my partner but was declined. My partner have good credit history and mortgage/ full-time. In that time my credit score was high. My Experience 825, Equifax 724, Ilion 689. Since 2919 mid Dec applied with Citi bank credit card with min$6000 credit limit no annual fee min income required $35k and I am currently banking with them for couple of years. I was applied and get conditionally approved then later on turn to they regret and unable to establish and I m not happy with that with my score down. Waiting 6 months later apply again and the same reasons but this time my scores are down btw -122, -99, And -55 Points why too much down? Waist my scores with nothing. As, I have pay slips from work earn 36k to apply citi card min$6000 limit all the above but I m just new this employee, no debt or default or court. Nothing .... Investment/saving $40k with Citi but can’t get approve one. Also, I am holding supplementary cards on my partner name with them. Which we pay on-time and in full each statement. Only mortgage on his name but should not be problem because to apply on my own credit to build history. Utilities/phones on my name and pay on-time. What should I do? They said you can apply again in 3 months. Or should I move to new bank? I told my Citi bank please approve I just need to have a card and build my credit history. I have $40K in their account and pay slips what are they afraid for???? Recommend please. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 June 2020
    Hi JS, I would move away from trying Citi. Citi have tightened the screws on credit approval. Overall many banks have. No annual fee cards can be one of the harder to get approved for. Therefore I would steer clear of those for now. Not sure how much you are looking to spend or what features you are wanting. Though I assume you would pay the balance off in full each month. Based on the high interest with the Citi no annual fee card. Low rate credit cards tend to be the one for approval. Have a look at the Westpac Low Rate. Not the best in market but should be ok on approvals. You can build up on this with good usage. Then look to upgrade to another card a year or so down the track.
Alfred

Alfred

30 May 2020
How you doing mate, just a quick general question.... I’m Currently on a Part 9 Debt Agreement, is there any Credit Card that you could recommend I apply for, or is it not possible until after the Agreement has runs its course?? I’m currently working Fulltime, Been in the job for just over 5 years & earning $90k-$100k+ p.a. Any information/advise would be appreciated. Thanks in advance. Alfred
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2020
    Hi Alfred, under Part 9, I think it would be hard to get approved for a card. Though if you have not applied for credit for sometime. Then you could put an application in for this card and see how you go. This is one of the easiest cards for approval so would be your best bet. If you get declined. Then do not apply for any other credit for at least 6 months. I would suggest then to let the agreement run its course.
Oliver

Oliver

29 May 2020
Will international students qualify for this card? Is there any credit check or police check required.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2020
    Hi Oliver, not this card though have a look at the ANZ First for Students.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 June 2020
    Yes there is a credit check required - though no police check that I am aware. I recommend that you have been working for 6 months in Australia before applying.

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