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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
    5.0 (4)
  • Customer Service
    4.2 (5)
  • Rates and Fees
    4.8 (4)
  • Rewards
    5.0 (1)
  • Online Experience
    4.4 (5)
  • Application Process
    5.0 (2)
Marcel B.
Marcel B.Peel, WA
  • 11 reviews

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

Customer Service
Darren B.
Darren B.Greater Melbourne (Metropolitan), VIC
  • 4 reviews

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.

Customer Service
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Hasib A
Hasib A
  • 5 reviews

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.

Customer Service
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cocoPerth, WA
  • 4 reviews

my review


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

Customer Service
briellePerth, WA
  • 15 reviews

love 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

Customer Service
Online Experience
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Wendy Z.
Wendy Z.19 Nov 2019
  • 2 reviews



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

  • 21 reviews
  • 1 like


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