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ANZ First

ANZ First

2.9 from 34 reviews · View Statistics
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Pros

Low $30 Annual Fee
0% p.a. for 12 months on purchases
Low minimum credit limit of $1,000
Up to 3 additional cardholders at no additional cost

Cons

20.24% Balance Transfer Rate & 2% Balance Transfer Fee
3% Foreign Transaction Fee

Details

This ANZ credit card is a simple, everyday credit card with an annual account fee of only $30.

With a standard interest rate of 20.24% p.a and no attached rewards or frequent flyer program, this is really a no-frills everyday credit card ideal for low-income earners or first time credit card holders. It does offer complimentary Purchase Security Insurance and Extended Warranty Insurance for eligible purchases, but if you're looking to earn points or a lower interest rate, you're better off looking elsewhere.

CategoryBalance Transfer Credit Cards
Card TypeVisa
BenefitsIntroductory Interest Rate
Minimum Credit Limit $1,000.00
Minimum Income $15,000.00
Additional Cardholders 3
Additional Cardholder Fee $0.00 p.a.
Minimum Repayments2%
Rewards ProgramANZ Rewards
Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.24% p.a.
Cash Advance Fee2%
Late Payment Fee$20.00
Annual Fee$30.00 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$4.00
Interest Free Period 55 days
Cash Advance Rate20.24% p.a.
Introductory Offers
Introductory Rate 0% pa. for the first 12 months
Balance Transfer Rates
Balance Transfer Rate 20.24% p.a.
Balance Transfer Fee 2%
Release date
Visit official website

Reviews

2.9
34 reviews
  • Transparency
    2.3 (14)
  • Customer Service
    2.3 (15)
  • Rates and Fees
    2.6 (11)
  • Rewards
    1.8 (5)
  • Online Experience
    2.5 (13)
  • Application Process
    2.1 (10)
Previous
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Tiziana Hall
Tiziana Hall
  • 3 reviews
  • 1 like

Card continually canceled for no reason

published

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.

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Ardavan
Ardavan
  • 3 reviews
  • 1 like

Do not apply for ANZ card

published

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.

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customer_first_namec
customer_first_namec
  • 3 reviews
  • 1 like

wait and wait and wait

published

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

  • Incentivised Review No
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Eric
Eric
  • 2 reviews

It's a terrible customer services, bullying and embarrassing.

published

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.

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Frank
FrankGreater Melbourne (Inner), VIC

Waste of time, terrible phone operators, AVOID!

published
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Eddie S.
Eddie S.Greater Melbourne (Metropolitan), VIC
  • Verified

ANZ Laziest Credit Card dispute resolution team

published

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....

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Fiona
FionaGreater Melbourne (Metropolitan), VIC
  • 18 reviews
  • 15 likes

Expensive charges

published

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

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Next

Do not bother applying if you are casually employed/or impacted by lockdown

published
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Cordelia
CordeliaGreater Melbourne (Metropolitan), VIC

Scavengers

published

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.

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joe
joeGreater Melbourne (Metropolitan), VIC
  • 6 reviews
  • 10 likes

Bedside manner???

published

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

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Marcel B.
Marcel B.Peel, WA
  • 11 reviews
  • 5 likes

Great first card

published

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

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Hailey S.
Hailey S.Hunter Region, NSW

Good for first time credit card holders

published

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 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.

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Balance Transfer Credit Cards

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Darren B.
Darren B.Greater Melbourne (Metropolitan), VIC
  • 5 reviews

Great card. Never had a problem

published

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.

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The reviewer stated that an incentive was offered for this review

Hasib A
Hasib A
  • 5 reviews
  • 3 likes

works well enough

published

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.

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coco
cocoPerth, WA
  • 4 reviews

my review

published

i just use it in Australia and it is very convent for me to use that i do not need to take any cash I recommend u to use it

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