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|
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.
Easiest credit card to get for students
- VERY easy to be approved for (I was approved as a full time student, no job, only austudy payments)
- low approval criteria, $6000 income required per year AFTER expenses (be sure thats what your application adds up to)
- Works everywhere (haven't tried overseas so I cannot comment on that yet)
- approved within 2 days and received my card within a week!
- friendly branch staff (tellers)
- easy to use iPhone apps and internet banking (but definitely needs a long overdue update!)
- NO FEES when you want to make currency exchanges ...
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.
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
I applied for the ANZ First Visa credit card after receiving an offer for 12 months of fee waiver. I thought this was a good opportunity for me to get a credit card, in view of many transactions that require payment with a credit or debit card, such as airfares. So far, I am very satisfied with the performance of the card. I have never had any transaction declined, and the card is accepted almost everywhere I go. Besides, there is also a rewards program called Sphere Rewards that allows card holders to collect points with each spending. I have ...managed to redeem a couple of reward items from the reward catalogue so far, and the items were in great condition. Highly recommended if you are looking for your first credit card. Widely accepted credit card, waived annual fee for first 12 months Only up to 44 days interest free days (should be a minimum of 50 days at least)
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.
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
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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