ANZ First

Horrendous customer service levels - don't do it – No customer service, 30+ min waiting on phone and still no one there. can't contact them any differently given account is closed.

Shocking lack of service – I told the only remaining staff member on the counter at ANZ DALBY, i needed a credit quickly as i found out from my travel agent i need one to hire a car in the usa . The staffer told me that it is only a formality , about a week . Being a firm believer in [ murphys law] i also ordered one from WESTPAC across the road as well . My travel agent… Read more

told me i only needed a card with $.1,000 limit [ very basic ]. Started suppling the usual stuff to both, [business details , bank statements you know,,, life story] WESTPAC arrived in 2 weeks[ thank god] and they could not have been more helpful only 1 week before i got on the plane . I clearly explained to anz i needed it quickly { they didnt give a monkeys ]. When i arrived 6 weeks later from usa { great trip ] , ANZ were still asking me for more previous business statements , that go back years . Anz you get a big minus one. and put that lousy [$1,000 limit card where the sun dont shine] . I have been in business in the same town for 43 years and i will make sure myself and my family NEVER do business again with ANZ.

Terrible customer services – Well after almost three months applying ,going backwards and forwards and wasting alot of time I was told my application declined ,even though I am in very strong financial position I think the poor spoken bank rep has got some information calculations wrong .but I won't bother correcting them as I will seek to apply somewhere else Show details

Easiest credit card to get for students – Pros: - VERY easy to be approved for (I was approved as a full time student, no job, only austudy payments) - low approval criteria, $6000 income required per year AFTER expenses (be sure thats what your application adds up to) - Works everywhere (haven't tried overseas so I cannot comment on that yet) - approved within 2 days and received my… Read more

card within a week!

- friendly branch staff (tellers)

- easy to use iPhone apps and internet banking (but definitely needs a long overdue update!)

- NO FEES when you want to make currency exchanges (not related to the card but just related to being an ANZ customer), other banks charge you even if you are a loyal customer!

- THE LOW ANNUAL FEE : $30 a year, or no fee at all while your a student!

Cons:

- the iPhone apps and internet banking whilst they are easy to use, are very SLOW and DELAYED, takes days for a transaction to show up, bit hard to report fraud when you can't even see if it has occurred!

- apply online yourself, don't go to the branch, they don't complete the application properly (for me the girl kept trying to add expenses like clothes and shopping something I don't handle making it look like i spend more than i earn! bit hard to be approved that way! I fixed up my application on the phone to ensure everything including expenses were correct)

- interest rates are higher, but if you pay off your card in full every month or within the 44 days interest free period, it doesn't affect you!

That being said, I'm happy with my card, helps to get small items like textbooks or groceries when I'm strapped for cash, and ANZs criteria was the easiest to be approved for. Banked with Commonwealth bank for over 10 years and can't even get approved with them. 1st credit card ever and happy that I have the opportunity to have one for those strapped time in between pays. Thanks ANZ!

Beware of ANZ Visa card if travelling overseas – I was in NY 3 weeks ago. I was using my ANZ visa for the odd meal etc. Due to leaving Aust with my phone & not wanting a massive bill on my return i bought an Aust Post sim card for my iphone. Anyway about a 5 days into my NY stay i went to top up this sim with my visa...returned message says 'Do Not Honour' i assume its some weird thing with the… Read more

phone. I then need to pay a cab & attempt to use my ANZ Visa again ....dead card.

I eventually get onto ANZ Visa card area by phone only to be asked by the Australian ANZ employee what was the $66 charge on my card 5 days ago was for. I reply ive no idea as all our meals are in that area & ive bought the odd thing here & there for roughly that amount many times. Their reply was...'Sorry but because you cannot identify what that $66 charge on that date 5 days ago was... we will not reactivate your card as that charge looks fraudulent' I asked why & they would not tell me. I said its most likely a meal...'sorry because you cannot identify it precisely, we will not allow this card to be used again'

So here i am in NY with $15 in my pocket & a dead visa. I ask what am i to do now ? The exact words that came from this ANZ employees mouth was ' I spouse you could try phoning Visa directly' Thats what i get for about 3 years of putting hundreds or thousands through ANZ's Visa. Mean while the entire time im on hold waiting to get through for up to 30-40 mins im quickly running short of phone credit & obviously no way of topping it up.

I asked why they had not contacted me 5 days prior when this happened & again the ANZ employees reply was 'we tried phoning you on 0417****** but you had your phone turned off' Seriously ANZ you were told by myself that i was going to the USA with this card & you had my email, you know this.

Who in their right mind would expect a customer to travel to the US with their Telstra or Optus phone number to return to a few thousand bill.

What a shocking way to treat a customer ANZ. All this is fact & you would clearly know whom i am & that everything ive written here is on your records of conversation. You absolutely disgust me.

To any ANZ cust service or management reading this, just do one single thing for me. Stand in a NY street with $15 in your pocket & no credit left on your phone & see how your customer felt.

Excellent – I have had my ANZ First VISA for about 7 years and have never had a problem. I always pay my full balance every month, so the interest rate isn't au issue because of the interest free days. The rewards a pretty good. Last year they had a special promotion for Village Movie tickets and basically with just our normal spend with got between 4-6… Read more

movie tickets every month. Also with the rewards you can get David Jones vouchers, Coles Vouchers, homewares, entertainment options and heaps of other cool stuff.

The "Chip & Pin" facility with the embedded microchip is ESSENTIAL for anyone looking to travel in the UK (and some other countries). Most outlets over there are moving away from swiping cards and moving towards "Chip & Pin" only. If your credit card doesn't have an embedded chip, you might not be able to use it in the UK at all! Low annual fee, good rewards program, "Chip & Pin" facility, 90 day purchase protection. Interest rate can be a trap if you don't clear your balance every month.

Great first card – Really good card. I started off with Westpac and switched to ANZ as they had Apple Pay. Very similar to other entry level cards but it’s perfect for wanting a low limit for everyday use and pay it off at the end of the month. Love not having to keep transferring money for bills Show details

Good for first time credit card holders – This was the first credit card I ever had. It was a good beginner card as it has low fees/interest and it is catered for low income earners (15k I recall) as well as pensioners and students who if had applied for another card would not have met the income threshold. It has nicely detailed bills which explain the minimum monthy repayment which is… Read more

always good to have worked out for you by the bank but it also the option to pay your balance in full. Another perk is the starting limit on the card itself is $1000 which is enough to start off with. The limit increases in due time as you show the bank that you can maintain a consistent repayment of the cards account and also for extra income etc.

Great card. Never had a problem – Great. The whole family uses ANZ. Never had a problem and simple to use with payment services like Paypal. I use it for everything from paying bills, to shopping and even ordering Pizza. Show details

Terrible company – Had the card for a year. Just received the annual fee and then a charge for rewards they offered on the card. When I phoned them to u inquire how they could charge for rewards they entice customers with, the operator refused to reply, put me on mute, then back on the looping system of never ending music. Now going to pay the credit card off and cancel the card. Impossible to speak to anyone and terrible company.

Poor Customer service – Applied for the card on 11th of May with all the doucments. Recived a messge on 12th that they will be calling next business day and pick a slot. Its 18th May and no message or no response from them yet so far! Email address to contact not even sending a response saying they received the email! Product it self looks good but you killing it with the poor customer service! Show details

ANZ Credit Card Fraud – Fraud on my credit card. Very hard to report it using app or on-line. Only take reports where you have to ring them and they put you on hold for ages, probably hoping that you give up. Show details

Card continually canceled for no reason – No, i am not the card holder, i am the bookkeeper for the card account holders who are in NSW. The credit card was issued as part of the “breakfree package” (no longer in existence) when a loan was approved by ANZ for a SA property. Cards are canceled when purchases for SA property are made by owners in NSW, this is now the 4th card as owners have a registered NSW address. Yes, SA is an investment as ANZ are well aware of. Show details

Do not apply for ANZ card – Please check with other financial places and never try ANZ car,to apply you cannot talk to anyone in Australia,branches will ignore you.you talk to overseas with a strange accent all the time. Show details

wait and wait and wait – wait on the phone 1 hour my time was important so i was told while a waited im still wating for my call to answered shortly so so so on it goes

It's a terrible customer services, bullying and embarrassing – It's a terrible customer services, bullying and embarrassing. This could be the offshore team experiences. Our other banks much much way out better. I don't know why I primarily applied through this banks. it's totally disable & horrible. Show details

Waste of time, terrible phone operators, AVOID! – An absolutely horrible experience trying to sign up for an ANZ black credit card. Phone operators who are constantly making promises then leave for 2-3 days to get an answer. When asking if you are eligible over the phone they will tell you there is a good chance you will be accepted then give a runaround with documents, payslips and once… Read more

everything is provided they'll give you a blank "sorry, we cannot proceed further, good luck next time!".

Huge waste of time, terrible phone operators, I have a credit rating of over 740 and now will be negatively impacted by their incompetence, don't risk your credit rating with a terrible company.

Massive waste of time! Save yourself the time and effort and credit rating!.

I don't even need a credit card Just intended to use it for earning points rather than a standard debit card.

ANZ Laziest Credit Card dispute resolution team – Someone cheated me $3500 and fraud-ed $3500 from my credit card. But they refused to help me despite all evidences. Even Tribunal has awarded me all money back and fair trading investigating this matter as fraud... But ANZ team are too lazy to find fact , just doesn't wanna help consumer.... Never take ANZ credit card, otherwise you may end up in losing money and NO HELP.... Show details

Expensive charges – It’s really disappointing that Anz charges $20 for forgetting to pay the monthly minimum payment on time. This fee has doubled by 50 percent and is about one third of their annual fee!! They no longer warn you by sms that the min fee hasn’t been paid which is an indication that the bank doesn’t want to remind you to pay but is hoping that you will… Read more

keep forgetting so that they earn more fees! We are all under stress during Covid and clearly this is taking advantage of customers!

Do not bother applying if you are casually employed/or impacted by lockdown – Have a perfect credit rating but anz did not accept employment due to lockdown in Victoria and seeing consistent pay from employer (was still employed but could not work because well 'lockdown') even though was receiving income through centrelink during lockdown. They'll make you run around saying this is all you'll need to progress further.… Read more

You'll provided them with everything they've asked for and then they'll say they can't proceed further after they tell you that the last thing you will need is a letter from employer to show you were still employed (which was provided - then they change their story again). *Each person you speak to will say something different for requirements.

Massive waste of time! Save yourself the time and effort, don't bother with them. I didn't even need the credit card I was just getting it for the points.

Scavengers – If ANZ fees and charges take you over your credit limit, even if you have no other charges that month, then you can look forward to being charged an Overlimit fee. The Royal Commission has so much more work to do because banks like ANZ refuse to do the right thing. Scavengers. Show details

Bedside manner??? – Even after I told ANZ that I needed urgent medical supplies for my mother today, they refused to lift the restrictions on purchases. Shame on you ANZ. Thanks for nothing Show details

works well enough – dont use it overseas nor balance transfers. got it at 18 as my first credit card - low annual income needed and super low fee. heard new changes have been made to it increasing the interest fee period from 44 days to 55 days. integrates well into the mobile app. Show details

love it – been with the anz for over 13 years love this card i have no fees with my act had no late fees or interest charged the anz staff been very friendly and helpful joined when i lived in fremantle in pert western australia I'm very happy and will stay with the anz I've probably jinxed myself now Show details

Average Customer Service – Not a bad product once you get past the initial application stage. Very poor customer service, had to send my payslips to verify multiple times only to be told that they never received them? Took me at least a month to get it all sorted and it wasn't until I actually went into a branch that I was able to activate my card. Very unhelpful customer service team.

Anz rewards black rejected – I have - really good income - Property value is way more than mortgage amount - 2 dependents with wife having a job - Recently closed Amex platinum rewards card Got rejected without any reason, received reply in hours and when I called they did not give any specific reason Anz is really crap not only in their service but also in their analytics. Lucky I was going to move my home loan with them ....never!!!

Good – This was the first credit card I ever got and I have to admit it got me hooked. The ability to get those extra things you might not need but want before you can really afford them is just too tempting. Good if you can pay to zero each month but otherwise save instead. Low Annaul Fee, interest rate similar to most bank credit cards. Main thing I… Read more

liked was that I was able to get one as I was a poor student at the time of getting it and it helped out a lot at the time. As with all credit cards it's just too tempting to buy things right away and then you're paying interest on your purchases.

Good – This was my first credit card I got not long after I turned 18. The annual fee was low, provided the balance was paid off every month there was no problems with the interest rate. This is a great credit card for those just starting out but if you don't pay the balance off every month you are going to get stung with interest charges. The annual fee… Read more

is very low, the convenience of having a Visa, great customer service The card did not last to long, lack of ATM's outside of a metropolitan area could have been a problem

Terrible – Had this card for 6 months. Everything went wrong from the beginning. Both my husband's and my surnames were spellt incorrectly (and different to each other at the same time). Reward program is very poor, have to spend tonnes to be able to redeem. To compare it takes me half the time to get the same voucher from my current Westpac credit card. 44… Read more

days interest free, not 50-55 as others. When we went overseas and informed ANZ in writing 2 weeks prior, they bloked the card anyway as suspect and claimed that did not know. They finaly found our letter after we claimed the number from express post envelope, but both our credit card and savings account were blocked so it was just a nightmare overseas. The first thing we did when returned - closed this card and MUCH MORE HAPPIER with Westpac one, no troubles at all. Relatively easy and stress-free to open Awful customer support and very poor reward program

Good – I applied for the ANZ First Visa credit card after receiving an offer for 12 months of fee waiver. I thought this was a good opportunity for me to get a credit card, in view of many transactions that require payment with a credit or debit card, such as airfares. So far, I am very satisfied with the performance of the card. I have never had any… Read more

transaction declined, and the card is accepted almost everywhere I go. Besides, there is also a rewards program called Sphere Rewards that allows card holders to collect points with each spending. I have managed to redeem a couple of reward items from the reward catalogue so far, and the items were in great condition. Highly recommended if you are looking for your first credit card. Widely accepted credit card, waived annual fee for first 12 months Only up to 44 days interest free days (should be a minimum of 50 days at least)

OK – I don't find this credit card attractive. For a transactor who pays full balance every month, this card doesn't give reward points while still charging annual fee. For a revolver card holder, it charges a relatively high 17.49% interest rate. On top of that, it only give max 44 days interest free period. If you would like to try because of free… Read more

annual fee in the 1st year, it’s better to try Woolworths everyday money. Can be linked to ANZ access account (1 card for both credit card and transaction card). Gives 90-day Purchase Security Insurance. Zero annual fee in the first year Max 44 days interest free days (normal standard 55 days). Annual fee $30 starting on the 2nd year. No free reward program

OK – The ANZ First Visa credit card offers the advantage of a full-featured credit card with a low annual fee (which is further reduced if the card is linked to an ANZ Access account). The card offers purchase protection insurance (some limits apply) and a rewards program (for a further fee). The card has an unusual magnetic strip which is often… Read more

incompatible with automatic payment machines (such as those found in car parks) which can cause considerable inconvenience. The card is good value, but still far from the best on the market. Low annual fee, purchase protection insurance, rewards program Low quality magnetic strip

Terrible – I got my credit card in May 1996 from ANZ. There was a three month campaign for no annual fee during that time by mail. I walked into the ANZ Highett branch and a lady officer offered me the no annual fee for ever product. After 10 years ANZ changed it policy and introduced charges. An angry customer who had the copy of the mail complained and anz… Read more

reversed it policy for only those it sent mail. Verbal promise by its own employee was not good enough. Since I got my card during that three months there is a very good chance that the officer would have offered that product to me though it was not in writing. A multi billion dollar worth bank could not logically think and damaged its reputation for few hundered dollars! Come on ANZ, get some common sense! Good service for few years I was told no annual fee for life but requested to pay fee

ANZ are by far the worst financial institution I have dealt with – As most have stated, these guys are TERRIBLE. I refused them in the end. Stay away!!!!!!