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    • ANZ First

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    • First card from ANZ

    • 19.39%

    • 2.90% for 12 months

    • $30.00

    • 44

    Rates

    Purchase rate
    19.39%
    Intro purchase rate
    none
    Balance transfer rate
    2.90% for 12 months
    Balance transfer term
    12 Months
    Balance transfer revert to cash
    no
    Cash advance rate
    20.99%
    Interest free days
    44

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $30.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $0.00
    Late payment fee
    $20.00
    Overlimit fee
    $20.00
    Cash advance fee
    $2%
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $0.00
    Transaction verification fee
    $0.00
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    3
    Other restrictions
    none
    Other benefits
    Annual fee discounted to $26 if linked to ANZ Access Account. 0% for 3 months introductory rate offer ends 12 June 2012

    About ANZ

    ANZ is one of the largest companies in Australia and New Zealand, with a history that stretches back over 170 years. The bank offers a range of banking and financial products to more than 5.7 million retail customers, including home loans, credit cards and debit cards, personal loans, savings and banking accounts and personal insurance. And now, with its new mobile banking application, ANZ goMoney, it’s easier to do banking on the go.

    How are ANZ credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    ANZ credit cards 6.5 Based on 783
    ANZ credit card reviews     		5.6 5.9 6.5 7.5 6.7

    Read ANZ credit card reviews by the Mozo community

    Latest reviews of ANZ First

      • ANZ First *

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        The customer service is great, fees are too high.

          11. Overall customer rating
          12. (Reviewed 4 days ago)

        ANZ are the most helpful bank I have ever belonged to. There are some fees I find unfair, however most of those fees are the same throughout Australia. It was a great card to travel with and charged me far less than another card I had with me ove...       Full review 

        ANZ are the most helpful bank I have ever belonged to. There are some fees I find unfair, however most of those fees are the same throughout Australia. It was a great card to travel with and charged me far less than another card I had with me overseas. It was also easy to operate my account internationally unlike my other account. I recommended when my boyfriend moved over from the UK to join ANZ, and he has been satisfied with his service so far. Once again the only problem he has is some of the fees are quite high.


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        ANZ First credit card review by Trixi from Queensland

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        Don't trust the ANZ. They stole my money!!

          11. Overall customer rating
          12. (Reviewed 8 days ago)

        I have lost thousands of dollars due to the unexplained "rules" associated with my credit card. although my repayments were only $30per month at one stage i was paying it back at $20per week [$100per month] but not one of those dollars came off my...       Full review 

        I have lost thousands of dollars due to the unexplained "rules" associated with my credit card. although my repayments were only $30per month at one stage i was paying it back at $20per week [$100per month] but not one of those dollars came off my balance!!! What they say is because I did not put down the exact amount of $30 in any of those transactions it did not count. I was therefore charged late fees and god knows what else. I hate this bank with a passion!! I have been with them for almost 20yrs but since this has happened I have shut down 2 other accounts I had with them and are desperately trying to switch this last card to another bank. Wish me luck because I'm only on a newstart allowance and I can't afford to be stolen from anymore. It has caused me many tears and sleepless nights and i dont deserve this when im trying to do the right thing!!!


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        ANZ First credit card review by Janice from Queensland

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      • ANZ First *

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        Bad customer service, ok rates

          11. Overall customer rating
          12. (Reviewed 16 days ago)

        I've never had friendly customer service at this bank. The monthly payments and interest are fair, however I would pay more at a different bank for better customer service and friendlier staff       Full review 

        I've never had friendly customer service at this bank. The monthly payments and interest are fair, however I would pay more at a different bank for better customer service and friendlier staff


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        ANZ First credit card review by Jodie from New South Wales

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      • ANZ First *

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        Professional service and excellent rates

          11. Overall customer rating
          12. (Reviewed 17 days ago)

        As a teacher who just returned from voluntary service overseas, ANZ helped me refinance some of my debts with an ANZ MasterCard. Later I needed to open a access account. The service was exceptional and without me asking, I was informed that I woul...       Full review 

        As a teacher who just returned from voluntary service overseas, ANZ helped me refinance some of my debts with an ANZ MasterCard. Later I needed to open a access account. The service was exceptional and without me asking, I was informed that I would incur no bank fees as I am Teacher. Wonderful start and the service as always been polite. It is not so in my husband's bank.


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        ANZ First credit card review by Sylvia from South Australia

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      • ANZ First *

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        Awful

          11. Overall customer rating
          12. (Reviewed 17 days ago)

        We have been long-term members of this bank institution and my darling husband is rubbish at managing his finances. Thankfully lovely wife (yours truly) has come in to do damage control, but the bank that we so trusted has done nothing to assist u...       Full review 

        We have been long-term members of this bank institution and my darling husband is rubbish at managing his finances. Thankfully lovely wife (yours truly) has come in to do damage control, but the bank that we so trusted has done nothing to assist us to rectify this horrendous issue. I have tried tirelessly to get assistance (lowering the interest rate, getting on payment plans) etc. to no avail. Very unhappy and have been given the runaround for too long. As soon as the personal loans and credit card is paid off - we will be switching banks pronto.


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        ANZ First credit card review by Sharon from Western Australia

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      • ANZ First *

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        Perfect credit card account for me.

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        I have never had any problems with this credit card, it offers a very wide choice from the rewards program options, the fees are in line with most other banking institutions and I cannot fault it.       Full review 

        I have never had any problems with this credit card, it offers a very wide choice from the rewards program options, the fees are in line with most other banking institutions and I cannot fault it.


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        ANZ First credit card review by Charlotte from Queensland

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      • ANZ First *

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        Room for improvement.

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        ANZ's TV ads are hilarious with the rude female bank manager, sadly I have still struck rudeness and inflexibility when dealing with ANZ. So need for improvement there!!!       Full review 

        ANZ's TV ads are hilarious with the rude female bank manager, sadly I have still struck rudeness and inflexibility when dealing with ANZ. So need for improvement there!!!


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        ANZ First credit card review by Greg from South Australia

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      • ANZ First *

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        More genuine good long term customer care program

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        ANZ need to give offers to their long term good customers (say 10 years plus)e.g.reduced interest rates / special offers to transfer other card debts to them at reduced or nil interest rates for a certain term / make more genuine contact by mail g...       Full review 

        ANZ need to give offers to their long term good customers (say 10 years plus)e.g.reduced interest rates / special offers to transfer other card debts to them at reduced or nil interest rates for a certain term / make more genuine contact by mail giving offers and or incentives for card holder and their families/friends. Interest rate reductions in line with years of card held and/or other ANZ products held.


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        ANZ First credit card review by Neil from Victoria

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        Terrible in all areas even for long term customers

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        The intrest rate is too high and there are no rewards, they also have a high yearly fee and other fees also. If there are ever problems with the account for eg a charge has occurred without your knowledge or any kind of error, it is not dealt with...       Full review 

        The intrest rate is too high and there are no rewards, they also have a high yearly fee and other fees also. If there are ever problems with the account for eg a charge has occurred without your knowledge or any kind of error, it is not dealt with in a timely manner and can take months for them to investigate. Even though they promise it will be fixed and the money reimbursed it doesn't happen. So if someone wants to rip you off you may as well just kiss that money goodbye. Customer service via phone more so than in person is terrible and you get the phone run around to several different departments and after a long long time on the phone repeating yourself you get no help at all. You end up frustrated and very angry. I am switching banks!!!


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        ANZ First credit card review by Michelle from Victoria

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      • ANZ First *

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        Great in all fields

          11. Overall customer rating
          12. (Reviewed 3 months ago)

        Well to put it in a nutshell, I have never had any problems with them.       Full review 

        Well to put it in a nutshell, I have never had any problems with them.


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        ANZ First credit card review by Bronwyn from Queensland

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      • ANZ First *

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        Great as long as paid off on time.

          11. Overall customer rating
          12. (Reviewed 3 months ago)

        I have mine set up to automatically be paid out of my main bank account when due so I don't have to pay any interest rates.       Full review 

        I have mine set up to automatically be paid out of my main bank account when due so I don't have to pay any interest rates.


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        ANZ First credit card review by Ann-elisa from South Australia

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      • ANZ First *

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        Good product, good customer service

          11. Overall customer rating
          12. (Reviewed 3 months ago)

        I always pay off my credit card in full on the due date, so I'm not paying any interest, otherwise it'll be not affordable.       Full review 

        I always pay off my credit card in full on the due date, so I'm not paying any interest, otherwise it'll be not affordable.


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        ANZ First credit card review by Margit from Victoria

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      • ANZ First *

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        Great friendly service.

          11. Overall customer rating
          12. (Reviewed 4 months ago)

        I have been with this bank for over 50 years and never had a problem. Any fees have been reasonable and acceptable, and service is first class.       Full review 

        I have been with this bank for over 50 years and never had a problem. Any fees have been reasonable and acceptable, and service is first class.


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        ANZ First credit card review by Marlene from South Australia

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      • ANZ First *

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          11. Overall customer rating
          12. (Reviewed 4 months ago)

        Disappointed with rates being charged now.       Full review 

        Disappointed with rates being charged now.


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        ANZ First credit card review by a Mozo reviewer from Victoria

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