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.
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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
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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