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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
    3.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    4.0 (1)
  • Online Experience
    4.0 (1)
  • Application Process
    4.0 (1)
Hailey S.
Hailey S.Hunter Region, NSW

Good for first time credit card holders


This was the first credit card I ever had. It was a good beginner card as it has low fees/interest and it is catered for low income earners (15k I recall) as well as pensioners and students who if had applied for another card would not have met the income threshold. It has nicely detailed bills which explain the minimum monthy repayment which is always good to have worked out for you by the bank but it also the option to pay your balance in full.
Another perk is the starting limit on the card itself is $1000 which is enough to start off with. The limit increases in due time as you show the bank that you can maintain a consistent repayment of the cards account and also for extra income etc.

Customer Service
  • 4 reviews

Easiest credit card to get for students

rewarding_07South East Queensland, QLD
  • 129 reviews



This was the first credit card I ever got and I have to admit it got me hooked. The ability to get those extra things you might not need but want before you can really afford them is just too tempting. Good if you can pay to zero each month but otherwise save instead.
Low Annaul Fee, interest rate similar to most bank credit cards. Main thing I liked was that I was able to get one as I was a poor student at the time of getting it and it helped out a lot at the time.
As with all credit cards it's just too tempting to buy things right away and then you're paying interest on your purchases.

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cityofbluemtnsNSW, 2786
  • 47 reviews



This was my first credit card I got not long after I turned 18. The annual fee was low, provided the balance was paid off every month there was no problems with the interest rate. This is a great credit card for those just starting out but if you don't pay the balance off every month you are going to get stung with interest charges.
The annual fee is very low, the convenience of having a Visa, great customer service
The card did not last to long, lack of ATM's outside of a metropolitan area could have been a problem

  • 43 reviews


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Wendy Z.
Wendy Z.19 Nov 2019
  • 3 reviews



Overall I like this credit card, and what it has to offer. It has a highish interest rate, but not as high as some others available. I like the 55 interest free days, if used wisely you can really make use of it. It has a rewards programme that you can be a member of if you choose. There is also a wine programme you can become a member of if you wish. I like the 'Falcon' protection which is also offered with this card. It came in handy when my card was used fraudulantly, I was contacted very quickly. Overall, I have nothing but good things to say about ANZ and this credit card.
55 days interest free, 'The Falcon' protection
Highish interest rate



Be sure you know how you are going to use the credit card. If you know you are going to pay interest on purchases, maybe you should shop arround for better options. If it suits your needs, it is a good option. Statements arive on time, with little problem and they have the "falcon" to protect againt fraude.
I only use the credit card for purchases that I am sure I will pay completely in the next statement. It gives me 55 days of interest free. I also like the chip security and it works well oversears. I had some trouble with ohter credit cards overseas.
It is not the best option if you are planning not to pay for your purchases completely. There are better options out there with lower interest rates.

  • 5 reviews



I use this card for all my daily shopping needs as visa is accepted almost everywhere.It is also handy to use overseas as it is quite secure with the chip.
good reward points for a reasonable annual fee
Need to pay an annual fee to stop your card from overdrafting

chelle0901VIC, 3400
  • 6 reviews
  • 1 like



A very reliable credit card. Middle of the road interest rates with the advantage of no annual fee as its attached to my regular savings account. Great security overseas with the chip but not yet an advantage in Australia.
Flexibility, chip security, 55 free days
Always tempting me with limit increases.

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