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
Average Customer Service
Not a bad product once you get past the initial application stage. Very poor customer service, had to send my payslips to verify multiple times only to be told that they never received them? Took me at least a month to get it all sorted and it wasn't until I actually went into a branch that I was able to activate my card. Very unhelpful customer service team.
I don't find this credit card attractive. For a transactor who pays full balance every month, this card doesn't give reward points while still charging annual fee. For a revolver card holder, it charges a relatively high 17.49% interest rate. On top of that, it only give max 44 days interest free period. If you would like to try because of free annual fee in the 1st year, it’s better to try Woolworths everyday money.
Can be linked to ANZ access account (1 card for both credit card and transaction card). Gives 90-day Purchase Security Insurance. Zero annual fee in the first year
Max 44 days interest free days (normal standard 55 days). Annual fee $30 starting on the 2nd year. No free reward program
The ANZ First Visa credit card offers the advantage of a full-featured credit card with a low annual fee (which is further reduced if the card is linked to an ANZ Access account). The card offers purchase protection insurance (some limits apply) and a rewards program (for a further fee). The card has an unusual magnetic strip which is often incompatible with automatic payment machines (such as those found in car parks) which can cause considerable inconvenience. The card is good value, but still far from the best on the market.
Low annual fee, purchase protection insurance, rewards program
Low quality magnetic strip
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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?
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