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ANZ First for Students Credit Card
5 reviews

ANZ First for Students Credit Card

Purchase rate

20.24% p.a.

Balance transfer

N/A

Annual fee

$0 first year then $30

Pros

No annual fee first year (saving you $30)

Up to 3 free additional cardholders

Visa PayWave

Low income requirement

Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay

ANZ's Fraud Money Back guarantee covering any fraudulent losses

Extended Warranty - increasing the Manufacturer's Warranty by up to an additional 12 months

90-day purchase security insurance against loss, theft or breakage

Cons

High purchase rate

custom Image

Low income requirement

For full time students earning $15,000 p.a. This income can be made up of part time work, youth allowance and Austudy. Be careful of the high purchase rate of 20.24% p.a., therefore you need to pay off your balance in full each month to avoid the high interest.

80% of customers who have rated this card would recommend it
  • Rates
    82%
  • Fees
    78%
  • Rewards
    N/A
  • Customer Service
    96%
  • Value
    44%
Overall user rating 79%
5 reviews

76% Visitor

Great option for me as I'm doing casual jobs while studying and have a low income.

Recommends this card

Interest Rates
Purchase rate 20.24% p.a.
Cash advance rate 20.24% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $500
Maximum credit limit N/A
Fees & repayments
Annual fee $30 p.a.
Annual fee first year $0
Additional cardholder fee Up to 3 at no extra cost
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $20
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No
Extras
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

ANZ First for Students Credit Card

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

As a full time student, you’re probably not thinking too much about what’s going to happen after uni. Buying a car or buying a house may not be on the agenda right now, but when it is – and you want to take out a car loan or home loan – you’ll need to have good credit to get approved.

Luckily, you can start building your credit now. By applying for the ANZ First for Students Credit Card, you can benefit from access to credit, to then build your credit history over time. Is this the right option for you, though? Let’s find out.

What we love...

As the name suggests, the ANZ First for Students Credit Card is for students only, so you’ll need to be a full time student to apply. While many credit cards are harder to get approved for when you’re in full time study and perhaps not earning much, this one is designed with students in mind.

First up, the card has a low minimum income requirement of $15,000 per year, which can be made up of part time work, youth allowance and Austudy. On top of that, the card has a low annual fee of $30, which is waived in the first year if you sign up now.

One of the great things about the ANZ First for Students Credit Card is that not only is it designed to be easier for students to apply for, with an affordable annual fee, it also allows you to learn about dealing with credit, while building your credit history.

As long as you’re smart, and avoid getting into trouble, this card can provide a pathway to other credit products after you finish your studies. Whether that means getting a phone contract, getting a car loan or applying for a mortgage, this card could be a stepping stone towards that.

What’s not so great...

If you’re new to credit cards, it’s a good idea to get into the habit of looking at both the good and bad sides of any potential card. With the ANZ First for Students Credit Card, pay attention to the purchase rate and cash advance rate, as they are relatively high.

As a new cardholder, try not to overspend, and always pay off the balance month-to-month to avoid interest charges. Cash advances are also best avoided, as fees and high interest rates apply.

With this card, there are no flashy features or rewards programs. But, that can help to simplify things while you’re still getting used to having plastic in your wallet. There will be plenty of time for feature-packed cards later down the line, should you decide they’re for you!

Why should you choose this card?

While the ANZ First for Students Credit Card is far from flashy, it does provide you access to credit, while allowing you to build your credit rating. In terms of features, there are some handy extras to enjoy.

These include up to 55 days interest free on purchases, up to three free additional cardholders, and exclusive discounts and benefits provided by Visa Entertainment. You can also benefit from worldwide emergency card replacement, ANZ's Fraud Money Back guarantee, extended warranty, and 90-day purchase security insurance against loss, theft or breakage.

Overall Rating

A starter credit card designed for full time students, offering a low minimum income requirement and no annual fee for the first year.

29 questions (showing the latest 10 Q&As)

Sam

Sam

12 September 2019
Hi, can we get this card if we are meeting the financial requirements from the Uber eats or do you need something else?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 September 2019
    Hi Sam, sure Uber eats should work as income for this offer. The bank will look at how long you have been doing plus consistency of income. For approvals they will check your income v expenses, any assets v liabilities and review your credit history.
Mubeen ul hassan

Mubeen ul hassan

20 August 2019
Can i apply for credit card???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2019
    Hi Mubeen, To apply for an ANZ First Student credit card, you need to: be 18 years of age or over and studying full-time at an eligible Australian educational institution. Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa. Be earning at least $15,000 per year. This may include payments from part time work, Youth Allowance and Austudy. Details to have handy when you apply. Australian driver’s licence number (if you have one). Details of your income, expenses, 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
Kera

Kera

20 August 2019
Hello I'm just wondering am I eligible to get this please as I will be studying full time once I get a loan to pay for my traineeship in full and I'm on ausstudy payments
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 August 2019
    Hi Kera, you need to be studying full time at an eligible tertiary institution at the time of application. Therefore you will not be eligible for this card until you are a full time student. Have a look at the ANZ First credit card. Its the same but not targeted for students.
Gaurav

Gaurav

23 July 2019
Hi there I had a question what's the maximum limit of a credit car on student visa. Thanku
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 July 2019
    Hi Gaurav, ANZ provides no guidance on a maximum credit limit for this card. In theory it could go quite high with good usage. Though initially credit card companies tend to approve lower limits that can be increased. It will depend on your own personal financial situation.
Jay

Jay

22 May 2019
Need some suggestions outside ANZ . Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 May 2019
    Hi Jay, their are not many direct student cards on the market. Have a look at the Westpac Low Rate. It has a minimum income requirement of $15,000 and reasonable fees.
Manoj Rao

Manoj Rao

2 May 2019
Hii i've been working in a job for 2 months and i'm an international student. Am i eligible for the credit card application.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 May 2019
    Hi Manoj, yes this is possible. To apply for an ANZ First Student credit card, you need to: Be 18 years of age or over and studying full-time at an eligible Australian educational institution. Be earning at least $15,000 per year. This can include part time work, Youth Allowance and Austudy. Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $15,000. If you fit within this then you can apply. You will need 2 recent pay slips for income verification.
Shashank

Shashank

29 April 2019
I am a full-time student. Is it free if I don't spend $500 per month and what are the procedures to apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 April 2019
    Hi Shashank, there is no minimum spend requirement with this credit card. Even if you don't use it. You will not pay an annual fee first year. Then its a $30 annual fee from the 2nd year on wards if you keep the card.
shreepiya khadka

shreepiya khadka

23 March 2019
hi, actually i dont have account in ANZ i wanted to apply for the credit card but i am not sure what to do is it possible that you can help me to how to apply for the credit card i am full time student currently studying nursing. thankyou
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 March 2019
    Hi Shreepiya, you do not need to be a current ANZ customer to apply. Minimum criteria to apply for this card: Be over 18 years old, be a non-Australian permanent resident with more than 9 months remaining on your Visa. Minimum income of $15,000p.a. This can include part time work, Youth Allowance and Austudy. You have your personal details ready to complete the online application
Tsion

Tsion

8 March 2019
Hey I am on Centrelink Is it possible to have credit
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 March 2019
    Hi Tsion, you need to have a minimum income of 15k a year to apply and be a full time student to apply.

ANZ First for Students Credit Card

Key features

  • No annual fee for the first year (saving you $30)
  • ANZ's Fraud Money Back guarantee covering any fraudulent losses
  • Extended Warranty - increasing the Manufacturer's Warranty by up to an additional 12 months
  • 90-day purchase security insurance against loss, theft or breakage
  • Very low income requirement
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Entertainment
  • Verified by Visa - free additional online security for transactions
  • You must be a full time student
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Be a permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa
  • Minimum income of $15,000p.a. This can include part time work, Youth Allowance and Austudy. p.a.
  • You have your personal details ready to complete the online application
ANZ First for Students Credit Card
ANZ First for Students Credit Card

ANZ Credit Cards

ANZ First for Students Credit Card

Updated 17 September 2019

Designed for full time students with no annual fee for the first year (saving you $30 which is the regular annual fee). Minimum income of $15,000 a year. This income can be made up of part time work, youth allowance and Austudy. Pay your way with support for Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Purchase Rate (p.a)

20.24%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0 first year. Then $30 p.a.

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee first year (saving you $30)
  • Up to 3 free additional cardholders
  • Visa PayWave
  • Low income requirement
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay
  • ANZ's Fraud Money Back guarantee covering any fraudulent losses
  • Extended Warranty - increasing the Manufacturer's Warranty by up to an additional 12 months
  • 90-day purchase security insurance against loss, theft or breakage

  • High purchase rate

Creditcard.com.au review

Editor Review

ANZ First for Students Credit Card

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

As a full time student, you’re probably not thinking too much about what’s going to happen after uni. Buying a car or buying a house may not be on the agenda right now, but when it is – and you want to take out a car loan or home loan – you’ll need to have good credit to get approved.

Luckily, you can start building your credit now. By applying for the ANZ First for Students Credit Card, you can benefit from access to credit, to then build your credit history over time. Is this the right option for you, though? Let’s find out.

What we love...

As the name suggests, the ANZ First for Students Credit Card is for students only, so you’ll need to be a full time student to apply. While many credit cards are harder to get approved for when you’re in full time study and perhaps not earning much, this one is designed with students in mind.

First up, the card has a low minimum income requirement of $15,000 per year, which can be made up of part time work, youth allowance and Austudy. On top of that, the card has a low annual fee of $30, which is waived in the first year if you sign up now.

One of the great things about the ANZ First for Students Credit Card is that not only is it designed to be easier for students to apply for, with an affordable annual fee, it also allows you to learn about dealing with credit, while building your credit history.

As long as you’re smart, and avoid getting into trouble, this card can provide a pathway to other credit products after you finish your studies. Whether that means getting a phone contract, getting a car loan or applying for a mortgage, this card could be a stepping stone towards that.

What’s not so great...

If you’re new to credit cards, it’s a good idea to get into the habit of looking at both the good and bad sides of any potential card. With the ANZ First for Students Credit Card, pay attention to the purchase rate and cash advance rate, as they are relatively high.

As a new cardholder, try not to overspend, and always pay off the balance month-to-month to avoid interest charges. Cash advances are also best avoided, as fees and high interest rates apply.

With this card, there are no flashy features or rewards programs. But, that can help to simplify things while you’re still getting used to having plastic in your wallet. There will be plenty of time for feature-packed cards later down the line, should you decide they’re for you!

Why should you choose this card?

While the ANZ First for Students Credit Card is far from flashy, it does provide you access to credit, while allowing you to build your credit rating. In terms of features, there are some handy extras to enjoy.

These include up to 55 days interest free on purchases, up to three free additional cardholders, and exclusive discounts and benefits provided by Visa Entertainment. You can also benefit from worldwide emergency card replacement, ANZ's Fraud Money Back guarantee, extended warranty, and 90-day purchase security insurance against loss, theft or breakage.

Overall Rating

A starter credit card designed for full time students, offering a low minimum income requirement and no annual fee for the first year.

User reviews

ANZ First for Students Credit Card ( based on 5 Creditcard.com.au user reviews )

79% rating based on 5 reviews

Rates
Fees
Rewards
Customer Service
Value
76%

Creditcard.com.au Visitor

21 October 2015

Great option for me as I'm doing casual jobs while studying and have a low income.

Recommends this card

Rates and fees

Interest rates

Purchase rate 20.24% p.a.

Cash advance rate 20.24% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $500

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%

Annual fee the first year $0

Cash advance fee 2%

Late payment fee $20

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Extras

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

Overview

ANZ First for Students Credit Card

Key features

  • No annual fee for the first year (saving you $30)
  • ANZ's Fraud Money Back guarantee covering any fraudulent losses
  • Extended Warranty - increasing the Manufacturer's Warranty by up to an additional 12 months
  • 90-day purchase security insurance against loss, theft or breakage
  • Very low income requirement
  • Worldwide emergency card replacement
  • Exclusive discounts and benefits provided by Visa Entertainment
  • Verified by Visa - free additional online security for transactions
  • You must be a full time student

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Be a permanent Australian resident or non-permanent resident with more than 9 months remaining on your Visa

  • Minimum income of $15,000p.a. This can include part time work, Youth Allowance and Austudy. p.a.

  • 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.

29 questions (showing the latest 10 Q&As)

Sam

Sam

12 September 2019
Hi, can we get this card if we are meeting the financial requirements from the Uber eats or do you need something else?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 September 2019
    Hi Sam, sure Uber eats should work as income for this offer. The bank will look at how long you have been doing plus consistency of income. For approvals they will check your income v expenses, any assets v liabilities and review your credit history.
Mubeen ul hassan

Mubeen ul hassan

20 August 2019
Can i apply for credit card???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 August 2019
    Hi Mubeen, To apply for an ANZ First Student credit card, you need to: be 18 years of age or over and studying full-time at an eligible Australian educational institution. Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa. Be earning at least $15,000 per year. This may include payments from part time work, Youth Allowance and Austudy. Details to have handy when you apply. Australian driver’s licence number (if you have one). Details of your income, expenses, 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
Kera

Kera

20 August 2019
Hello I'm just wondering am I eligible to get this please as I will be studying full time once I get a loan to pay for my traineeship in full and I'm on ausstudy payments
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 August 2019
    Hi Kera, you need to be studying full time at an eligible tertiary institution at the time of application. Therefore you will not be eligible for this card until you are a full time student. Have a look at the ANZ First credit card. Its the same but not targeted for students.
Gaurav

Gaurav

23 July 2019
Hi there I had a question what's the maximum limit of a credit car on student visa. Thanku
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 July 2019
    Hi Gaurav, ANZ provides no guidance on a maximum credit limit for this card. In theory it could go quite high with good usage. Though initially credit card companies tend to approve lower limits that can be increased. It will depend on your own personal financial situation.
Jay

Jay

22 May 2019
Need some suggestions outside ANZ . Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 May 2019
    Hi Jay, their are not many direct student cards on the market. Have a look at the Westpac Low Rate. It has a minimum income requirement of $15,000 and reasonable fees.
Manoj Rao

Manoj Rao

2 May 2019
Hii i've been working in a job for 2 months and i'm an international student. Am i eligible for the credit card application.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 May 2019
    Hi Manoj, yes this is possible. To apply for an ANZ First Student credit card, you need to: Be 18 years of age or over and studying full-time at an eligible Australian educational institution. Be earning at least $15,000 per year. This can include part time work, Youth Allowance and Austudy. Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $15,000. If you fit within this then you can apply. You will need 2 recent pay slips for income verification.
Shashank

Shashank

29 April 2019
I am a full-time student. Is it free if I don't spend $500 per month and what are the procedures to apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 April 2019
    Hi Shashank, there is no minimum spend requirement with this credit card. Even if you don't use it. You will not pay an annual fee first year. Then its a $30 annual fee from the 2nd year on wards if you keep the card.
shreepiya khadka

shreepiya khadka

23 March 2019
hi, actually i dont have account in ANZ i wanted to apply for the credit card but i am not sure what to do is it possible that you can help me to how to apply for the credit card i am full time student currently studying nursing. thankyou
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 March 2019
    Hi Shreepiya, you do not need to be a current ANZ customer to apply. Minimum criteria to apply for this card: Be over 18 years old, be a non-Australian permanent resident with more than 9 months remaining on your Visa. Minimum income of $15,000p.a. This can include part time work, Youth Allowance and Austudy. You have your personal details ready to complete the online application
Tsion

Tsion

8 March 2019
Hey I am on Centrelink Is it possible to have credit
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 March 2019
    Hi Tsion, you need to have a minimum income of 15k a year to apply and be a full time student to apply.

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