1 photo
ANZ First

ANZ First

3.3 from 27 reviews · View Statistics


  • 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
    1.0 (3)
  • Customer Service
    1.0 (3)
  • Rates and Fees
    1.0 (2)
  • Online Experience
    1.0 (2)
  • Application Process
    1.0 (2)

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

Customer Service
CordeliaGreater Melbourne (Metropolitan), VIC



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.

Customer Service
joeGreater Melbourne (Metropolitan), VIC
  • 6 reviews

Bedside manner???


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

Customer Service
Balance Transfer Credit Cards

Find out how ANZ First compares to other Balance Transfer Credit Cards

Know better, choose better.

Compare all

Anz rewards black rejected


I have
- 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!!!

  • 3 reviews

Beware of ANZ Visa card if travelling overseas

Related Articles

How to get in front of credit card debt with a credit card balance transfer.

Credit card balance transfers are becoming an increasingly popular way for people with growing credit card debts to manage their finances. But are they really a magic bullet? We're going to look at the ins and outs of credit balance transfers, so you can find the best way to manage credit card debt and get your finances back in the black.

Nathan S.
Nathan S.12 Nov 2019

Best Super Funds in 2020!

A good super fund can make a substanial difference to the amount you retire with. From retail super funds to self managed super funds, view reviewer ratings for the best super funds of 2020!

Wendy Z.
Wendy Z.7 Nov 2019

Best Credit Cards in 2020!

Whether it's the sign up bonus, rates and fees, or reliable customer service that you look for in a credit card, a credit card is often used everyday, so it's important you choose one that meets your needs and that you're happy with. These are the best credit cards this year, as decided by ProductReview.com.au reviewers.

Wendy Z.
Wendy Z.19 Nov 2019
WorkingMumSydney, NSW
  • 4 reviews




See all ANZ First reviews

Questions & Answers

Sorry, there are no questions yet.

Get an answer from our members

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.