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.
|Category||Balance Transfer Credit Cards|
|Benefits||Introductory Interest Rate|
|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.|
|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||Aug 2006|
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. 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 stil...l 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.
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.
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
Find out how ANZ First compares to other Balance Transfer Credit Cards
Know better, choose better.
Anz rewards black rejected
- 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!!!
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 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 c...harge 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.
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 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 let...ter 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
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 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
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