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|
Great first card
Really good card. I started off with Westpac and switched to ANZ as they had Apple Pay. Very similar to other entry level cards but it’s perfect for wanting a low limit for everyday use and pay it off at the end of the month. Love not having to keep transferring money for bills
Great card. Never had a problem
Great. The whole family uses ANZ. Never had a problem and simple to use with payment services like Paypal.
I use it for everything from paying bills, to shopping and even ordering Pizza.
The reviewer stated that an incentive was offered for this review
works well enough
dont use it overseas nor balance transfers. got it at 18 as my first credit card - low annual income needed and super low fee. heard new changes have been made to it increasing the interest fee period from 44 days to 55 days. integrates well into the mobile app.
i just use it in Australia and it is very convent for me to use that i do not need to take any cash I recommend u to use it
been with the anz for over 13 years love this card i have no fees with my act had no late fees or interest charged the anz staff been very friendly and helpful joined when i lived in fremantle in pert western australia I'm very happy and will stay with the anz I've probably jinxed myself now
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
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?
I have found ANZ telephone customer service outstanding. I once accidentally missed the repayment. (I always try and repay the full balance by the due date.) and they waived all the interest accumulated for that month when I mentioned I was changing cards soon. So I stayed with them AND got my other card too, which I only got to take advantage of a 6mth interest free for transfers offer.
Chip seems to work better with some train-ticketing machines in Germany.Added security, purchase insurance and extended warranty comes in VERY handy.Low annual fee.
only 44 days interest free instead of 55 offered by some cards
I have had my ANZ First VISA for about 7 years and have never had a problem. I always pay my full balance every month, so the interest rate isn't au issue because of the interest free days.
The rewards a pretty good. Last year they had a special promotion for Village Movie tickets and basically with just our normal spend with got between 4-6 movie tickets every month. Also with the rewards you can get David Jones vouchers, Coles Vouchers, homewares, entertainment options and heaps of other cool stuff.
The "Chip & Pin" facility with the em...bedded microchip is ESSENTIAL for anyone looking to travel in the UK (and some other countries). Most outlets over there are moving away from swiping cards and moving towards "Chip & Pin" only. If your credit card doesn't have an embedded chip, you might not be able to use it in the UK at all! Low annual fee, good rewards program, "Chip & Pin" facility, 90 day purchase protection. Interest rate can be a trap if you don't clear your balance every month.
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