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ANZ First

ANZ First

3.3 from 27 reviews · View Statistics

Pros

  • 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

Cons

  • 20.24% Balance Transfer Rate & 2% Balance Transfer Fee

  • 3% Foreign Transaction Fee

Details

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

Reviews

3.3

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)
Previous
Next

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

published
Transparency
Customer Service
Cordelia
CordeliaGreater Melbourne (Metropolitan), VIC

Scavengers

published

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.

Transparency
Customer Service
joe
joeGreater Melbourne (Metropolitan), VIC
  • 6 reviews
  • 8 likes

Bedside manner???

published

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

Transparency
Customer Service
Balance Transfer Credit Cards

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Anz rewards black rejected

published

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!!!

Mark
MarkBrisbane
  • 3 reviews
  • 10 likes

Beware of ANZ Visa card if travelling overseas

published
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Next
WorkingMum
WorkingMumSydney, NSW
  • 4 reviews

Terrible

published

Terrible

published
See all ANZ First reviews

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