ANZ First

19.74% p.a.

0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee)

$30

n/a

ANZ First

19.74% p.a.

0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee)

$30

n/a

Mozo Review   ANZ First Review

Last updated: 17 October 2018.

What's hot:
  • Low annual fee

  • 0% balance transfer offer for 18 months (2% Balance Transfer fee)

What's not:
  • Late repayment fees

Mozo snapshot:

With a low $30 annual fee, the First Credit Card from ANZ is perfect for a spender looking for greater value from their no frills credit card. On new purchases you'll get up to 44 days interest free but be sure to pay off your balance in full each month or you'll start paying 19.74% interest. 

If you're looking to ditch some debt, another feature that may grab your attention is the 0% balance transfer offer for a generous 18 months. Just beware there is a 2% Balance Transfer fee and after the BT period comes to an end it reverts to 21.49%.

Key features:

The ANZ First credit card is your basic credit card from ANZ with an annual fee of just $30. You'll be connected via the Visa network so you can use the card wherever Visa cards are 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 19.74% and you can get up to 44 days on new purchases with the ANZ First. There's also a 0% balance transfer offer for 18 months (2% Balance Transfer fee) if you're looking to move over some existing debt. 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 get monitored around the clock for suspicious transactions.  

The card comes with some standard insurances such as extended warranty and purchase security insurance which means that if you lose, break or have your goods stolen within 90 days you can have them replaced.  

For the creative types you can design your own card using ANZ designmycard and additional cardholders can be added at no extra cost.

Who it's good for:

The ANZ First is a great card if you're looking for a basic credit card with plenty of value.

Any catches?

Be sure to automate those repayments or you'll be up for a $20 late payment fee. And if you're using the card to rid yourself of debt, make sure you pay that debt off before the balance transfer period ends, as any balance left over will be charged at the high cash advance rate of 21.49%. 

Details

Rates and fees information correct as at 18 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 19.74% p.a.

  • none

  • 0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 44

Fees
  • $30.00

  • none

  • none

  • $0.00

  • $20.00

  • 2%

  • 3.00%

  • $0.00

  • $0.00

  • $0.00

Features
  • $25.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

Rewards privileges

Extended Warranty,
Purchase Protection

Customer Reviews

How are ANZ credit cards rated by the Mozo community?

Overall customer rating
6.7/10

Based on 6063 ANZ credit card reviews

Price
5.7/10
Features
5.9/10
Customer service
6.7/10
Convenience
7.5/10
Trust
6.9/10

Latest reviews of ANZ First

  • Overall
    2/10
    Dreadful

    Poor features and rates for their credit cards.

    Poor features and rates for their credit cards.

    Price
    2/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    2/10
    Trust
    1/10

    Taraipine | Queensland

    reviewed 11 days ago

  • Overall
    7/10
    Easy website to find your way around

    I like ANZ because I find them reliable. If I forget to pay the interest on the due date I can...

    I like ANZ because I find them reliable. If I forget to pay the interest on the due date I can always expect a friendly reminder. If I experience any problems, I can happily walk into ANZ and be confident that they would help. The only issue I find is that their interest rates are high and I find it hard at times to keep up with paying off my credit card.

    Price
    7/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Sonja | Queensland

    reviewed over 1 year ago

  • Overall
    10/10
    Would recommend ANZ to anyone

    Excellent banking.

    Excellent banking.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Norma | South Australia

    reviewed about 2 years ago

  • Overall
    9/10
    Excellent bank

    I trust ANZ and there customer service is excellent and look after your needs promptly especially...

    I trust ANZ and there customer service is excellent and look after your needs promptly especially regarding security of your account.

    Price
    5/10
    Features
    6/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Grace | Queensland

    reviewed over 2 years ago

  • Overall
    6/10
    Average customer service

    I had my card used without my authorisation and reported this to ANZ bank but it was not...

    I had my card used without my authorisation and reported this to ANZ bank but it was not cancelled for another 2 weeks so more money was withdrawn from my account. ANZ bank fixed the problem after I visited them for the second time but this situation was very stressful.

    Price
    7/10
    Features
    7/10
    Customer service
    7/10
    Convenience
    7/10
    Trust
    2/10

    Julita | New South Wales

    reviewed over 2 years ago

ANZ

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 App, it's easier to do banking on the go.

See ANZ credit cards

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12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58

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19.74% p.a.

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19.99% p.a.

$49 $0 in the first year

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20.74% p.a.

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19.49% p.a.

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2 points per dollar on Amex, uncapped

20.74% p.a.

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19.99% p.a.

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20.74% p.a.

$129 $64 in the first year

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1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped

20.24% p.a.

$499 $300 in the first year

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1 point per dollar on Visa, uncapped

19.49% p.a.

$99 $0 in the first year

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Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129

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1.25 points per dollar on Mastercard, uncapped

20.24% p.a.

$250

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20.74% p.a.

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0% p.a. for 12 months and then 10.99% p.a.

$49

10.99% p.a.

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$49 $0 in the first year

19.99% p.a.

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$0

20.74% p.a.

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$99

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Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

$129

20.74% p.a.

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$395

20.74% p.a.

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0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

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19.84% p.a.

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4.99% p.a. for 6 months and then 21.99% p.a.

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21.99% p.a.

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10.99% p.a.

$49

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12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

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11.99% p.a.

$0

No current offer

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$58

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14.99% p.a.

$0

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0% p.a. for 9 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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0% p.a. for 13 months then 12.99% p.a.

$99

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

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10.99% p.a.

0% p.a. for 12 months and then 10.99% p.a.

$49

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11.99% p.a.

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19.49% p.a.

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11.99% p.a.

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$0

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12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58

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0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

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17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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0% p.a. for 6 months and then 19.99% p.a.

$99