Low $30 Annual Fee
0% p.a. on Balance Transfers for 18 months
Low minimum credit limit of $1,000
Up to 3 additional cardholders at no additional cost
2% Balance Transfer Fee
3% Foreign Transaction Fee
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.
|Category||Balance Transfer Credit Cards|
|Minimum Credit Limit||$1,000|
|Additional Cardholder Fee||$0 p.a.|
|Rewards Program||ANZ Rewards|
|Contactless Payments||Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay|
|Rates & Fees|
|Purchase Rate||20.24% p.a.|
|Cash Advance Fee||2%|
|Late Payment Fee||$20|
|Annual Fee||$30 p.a.|
|Foreign Transaction Fee||3%|
|Overseas ATM Withdrawal Fee||$4|
|Interest Free Period||55 days|
|Cash Advance Rate||20.24% p.a.|
|Balance Transfer Rates|
|Balance Transfer Period||18 months|
|Balance Transfer Rate||0% p.a.|
|Balance Transfer Fee||2%|
|Release date||Aug 2006|
Ok, I had a laugh at the reviewer below when he mentioned no annual fee. But yes he may have been mislead. Like him I applied for this card and was declined. Funny enough ANZ called me and asked me if I want a credit card and I got very annoyed as I told them I have applied and you guys declined my application. Funny enough it got accepted and I understand the annual fee. However I did not even use the card yet and they started to charge me the fee. There was no letter asking me to pay for the fee and the next thing I knew I got a letter of lat...e payment fee. When I called customer service the person attending to me was extremly rude, stating "You should know that you have to pay your annual fees." I am like "Right, and I did not get any letter and beside I never even used the card!" Yup, says it all, if not for the next day I spoke to another person in which she did everything right I would have cancelled the card. So far, I used the card for Ebay and international transactions, and proven to be ok. is a credit card interets?
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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