Low $30 Annual Fee (waived for full-time tertiary students)
0% p.a. on Balance Transfers for 18 months
Low minimum credit limit of $1,000 ($500 for students)
2% Balance Transfer Fee
3% Foreign Transaction Fee
I have found ANZ telephone customer service outstanding. I once accidentally missed the repayment. (I always try and repay the full balance by the due date.) and they waived all the interest accumulated for that month when I mentioned I was changing cards soon. So I stayed with them AND got my other card too, which I only got to take advantage of a 6mth interest free for transfers offer.
Chip seems to work better with some train-ticketing machines in Germany.Added security, purchase insurance and extended warranty comes in VERY handy.Low annual fee.
only 44 days interest free instead of 55 offered by some cards
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 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 em...bedded 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.
Be sure you know how you are going to use the credit card. If you know you are going to pay interest on purchases, maybe you should shop arround for better options. If it suits your needs, it is a good option. Statements arive on time, with little problem and they have the "falcon" to protect againt fraude.
I only use the credit card for purchases that I am sure I will pay completely in the next statement. It gives me 55 days of interest free. I also like the chip security and it works well oversears. I had some trouble with ohter credit cards overseas.
It is not the best option if you are planning not to pay for your purchases completely. There are better options out there with lower interest rates.
A very reliable credit card. Middle of the road interest rates with the advantage of no annual fee as its attached to my regular savings account. Great security overseas with the chip but not yet an advantage in Australia.
Flexibility, chip security, 55 free days
Always tempting me with limit increases.
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