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ANZ First

ANZ First (page 2 of 2)

3.3 from 27 reviews · View Statistics
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  • 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


  • 20.24% Balance Transfer Rate & 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.

CategoryBalance Transfer Credit Cards
Card TypeVisa
BenefitsIntroductory Interest Rate
Minimum Credit Limit $1,000
Minimum Income $15,000
Additional Cardholders 3
Additional Cardholder Fee $0 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
Annual Fee$30 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$4
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 dateAug 2006
Visit official website


27 reviews
  • Transparency
    3.3 (8)
  • Customer Service
    3.2 (9)
  • Rates and Fees
    3.6 (7)
  • Rewards
    5.0 (1)
  • Online Experience
    3.5 (8)
  • Application Process
    3.2 (5)
  • 5 reviews



I use this card for all my daily shopping needs as visa is accepted almost everywhere.It is also handy to use overseas as it is quite secure with the chip.
good reward points for a reasonable annual fee
Need to pay an annual fee to stop your card from overdrafting

chelle0901VIC, 3400
  • 6 reviews
  • 1 like



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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