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ANZ First for Students Credit Card
ANZ First for Students Credit Card

ANZ Credit Cards

ANZ First for Students Credit Card

Updated 2 January 2020

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
  • Purchase Protection 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 Purchase Protection 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 period 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

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 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
  • Purchase Protection 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.

39 questions (showing the latest 10 Q&As)

Preet

Preet

12 January 2020
Do we need an Australian driver’s license for this card or passport, overseas visa and overseas license would be enough.?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 January 2020
    Hi Preet, correct, you do not need an AU license or passport to apply. As long as you meet the minimum requirements and prove your identity, then you can do so.
Bilal

Bilal

28 December 2019
What's eligibility for apply credit card and documents
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 December 2019
    To apply for an ANZ First for Students credit card, you need to: Be 18 years of age or over and studying full-time at an eligible Australian educational institution, and Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa, and Be earning at least $15,000 per year. This may include payments from part time work, Youth Allowance and Austudy What you need to have 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
Mohd Rasol Shah

Mohd Rasol Shah

24 December 2019
Hai I would like to apply for credit e
Jay

Jay

14 December 2019
Yes, I have 15 months visa left and as well I’m a full time overseas student, having income more than $15k annually. I hope this sounds well to get a credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2019
    Hi Jay, this sounds good. You can apply for this ANZ First for Students. You need at least 9 months left on your visa. You have more than that. Good luck with your application.
Jay

Jay

13 December 2019
I have done Uber eats from January to October 2019, and after that I have started easi delivery so it’s a ABN job now since last three months and also I have a copy of tax return which I have filed in late August this year, so will I be able to apply for credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2019
    Hi Jay, are you a full time student as well? Are you Australian? If not you would need at least 9 months left on your Visa. Based on the above though, it sounds like this would satisfy the income requirement for the card. As long as its more than 15k annually.
Edirisinghe

Edirisinghe

9 December 2019
I’m under visa category of 500 as dependent..my wife is currently studying..I’m working full time as casual worker..annual salary around $ 50,000/-. Our account is with ANZ from the date we arrived Australia. We have remaining 1 yr n 4 months visa. I need know that am I eligible for credit card facility and if yes..what are the documents that Do I need to provide?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2019
    Hi Edirisinghe, yes you eligible for an ANZ card but not this one. I suggest you look at the ANZ Low Rate. Though you could apply for the standard ANZ First as well. To apply for an ANZ Low Rate 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, 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) plus your email address.
chris burns

chris burns

2 December 2019
do i have to been a current student to obtain this credit card?I plan on doing a fulltime course in the new year
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 December 2019
    Hi Chris, yes you do need to be a current student to apply for this card. Though if you have the 15k income you can apply for the standard ANZ First credit card.
Kovila Somadoo

Kovila Somadoo

19 November 2019
Hello Can you tell me the maximum amount i can obtain on the credit card. Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2019
    Hi Kovila, ANZ do not provide any guidance on the maximum credit limit you can achieve. The credit limit is assigned at the time of application based on the information you provide. As a guess, I would say the max limit would be around $15,000. Though you would be more likely to get a much lower limit to start. Then with good usage and the right conditions, then have the ability to increase the limit.
Sarah

Sarah

27 September 2019
Hey! So i earn a good amount per week but its all in cash. I wanted to know whether that would work or do I need to be working on TFN? Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 September 2019
    Hi Sarah, earning is cash will be a problem. ANZ are going to want to see pay slips. Its a difficult one and the problem with the cash economy. Bottom line you would be working on a TFN to get possible credit approval or be able to provide a Notice of Assessment from the ATO.
Rhen

Rhen

25 September 2019
For example if I use this to pay my tuition for like around 1400aud, do I have to pay the whole amount of 1400aud within a month after so that 20.24 interest rate won’t apply? And how long does it take to be approved? Thanks!
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 September 2019
    Hi Rhen, for interest free days have a read of this article - https://www.creditcard.com.au/how-do-interest-free-days-work/. The key is knowing your billing cycle. If you make your tuition payment on the 1st day of the billing cycle. Then you will receive 55 days interest free to pay off the debt. So plan would be to pay it off in first month after purchase. It takes a few days to get approval depending on your personal situation. Then up to 5 working days to get the card. So really I would allocate around 2 weeks in total.
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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