With $0 annual card fee in the first year ($30 after that), the ANZ First Credit Card could be a great fit for spenders wanting a no-frills credit card option with a little extra value. On new purchases, you'll get up to 55 interest-free days but be sure to pay off your balance in full each month or you'll cop the 20.99% p.a. purchase rate. You can also get $125 back on your new ANZ First card when you spend $750 on eligible purchases in the first 3 months. (T&Cs apply).
The ANZ First Credit Card is your basic credit card, which currently comes with $0 annual card fees in the first year ($30 after that). With this card, you'll be connected via the Visa network so you can use the card wherever Visa is accepted in Australia or overseas. The card also comes with ANZ contactless technology meaning for purchases under $100 you can just tap and go without signing or using a PIN.
The standard interest rate is 20.99% p.a. and you can get up to 55 interest free days on new purchases with the ANZ First. International transactions whether online or in-person will attract a 3% foreign exchange margin.
ANZ Falcon means that you can shop with extra security and confidence as transactions are monitored around the clock for suspicious transactions. This card also comes with some standard insurances such as extended warranty as well as purchase protection insurance.
For the creative types, you can design your own card using ANZ designmycard, plus, additional cardholders can be added at no extra cost.
The ANZ First could be a great option if you're looking for a basic credit card with plenty of value. To qualify, you must be 18 or over, and a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.
You might want to consider automating your repayments as there's a $20 late payment fee. Also, if you're using the card to rid yourself of debt, then be sure to pay your debt off before the balance transfer period ends, as any balance left over will start being charged interest at 20.99% p.a.
20.99% p.a. |
|
none |
|
No current offer |
|
yes |
|
21.99% p.a. |
|
55 |
$30.00 |
|
$0 in the first year |
|
none |
|
$0.00 |
|
$20.00 |
|
3.0%, Min $4.00 |
|
3.00% |
|
$0.00 |
|
$0.00 |
|
$0.00 |
$25.00 |
|
2.0 |
|
3 |
|
none |
Apple Pay, Google Wallet, Samsung Pay, Garmin, Fitbit
Extended Warranty,
Purchase Protection
Receive $125 back to your ANZ First card when you spend $750 on eligible purchases in the first 3 months.
I've been with them for so long that i think it's more not wanting to set up new accounts with different banks. There fees are pretty high.
Read full reviewI've been with them for so long that i think it's more not wanting to set up new accounts with different banks. There fees are pretty high.
This bank has a good service attitude and is one of the four largest banks in Australia with high credibility
Read full reviewThis bank has a good service attitude and is one of the four largest banks in Australia with high credibility
Have always banked with anz, I trust them
Read full reviewHave always banked with anz, I trust them
ANZ is overall an amazing bank. Online banking services allow monitoring of accounts and statements, categorisation features, transaction notifications, Apple Pay and the ability to block and unblock accounts and associated cards with the click of a button. ANZ provides options for everyone and, waivers monthly fees for people who meet specific criteria (including students and seniors). Additionally, their global presence provides ANZ customers numerous opportunities whilst travelling with approximately 3,000 ATMs located internationally. Perhaps the most notable of the limited cons associated with ANZ are their less competitive interest rates. Despite this, the positives undoubtedly outweigh the negatives. Ultimately, ANZ provides an extensive amount of information both online and in person, further assisting costumers understand their financial decisions and ensure they are supported in all of their monetary endeavours.
Read full reviewANZ is overall an amazing bank. Online banking services allow monitoring of accounts and statements, categorisation features, transaction notifications, Apple Pay and the ability to block and unblock accounts and associated cards with the click of a button. ANZ provides options for everyone and, waivers monthly fees for people who meet specific criteria (including students and seniors). Additionally, their global presence provides ANZ customers numerous opportunities whilst travelling with approximately 3,000 ATMs located internationally. Perhaps the most notable of the limited cons associated with ANZ are their less competitive interest rates. Despite this, the positives undoubtedly outweigh the negatives. Ultimately, ANZ provides an extensive amount of information both online and in person, further assisting costumers understand their financial decisions and ensure they are supported in all of their monetary endeavours.
As a first time card holder they explain everything and anything you’d like to know. They were very helpful in getting me a new card when I lost it and got straight onto it.
Read full reviewAs a first time card holder they explain everything and anything you’d like to know. They were very helpful in getting me a new card when I lost it and got straight onto it.
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 24 months and then 20.99% p.a.
$149 $0 in the first year
More Mastercard
19.99% p.a.
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
$100