With a low $30 annual card fee, 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 20.24% p.a. purchase rate.
If you're looking to ditch some debt, another feature that might grab your attention is the 0% balance transfer offer for a generous 18 months. Just beware there is a 2.00% Balance Transfer fee and after the BT period ends it reverts to 20.24% p.a.
The ANZ First Credit Card is your basic credit card with an annual fee of just $30. 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 20.24% and you can get up to 55 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 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 is great 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 20.24% p.a.
20.24% p.a.
none
0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
yes
20.24% p.a.
55
$30.00
none
none
$0.00
$20.00
2%
3.00%
$0.00
$0.00
$0.00
$25.00
2.0
3
none
Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit
Extended Warranty,
Purchase Protection
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.
Unfortunately this is a case of a bank being a bank. They are only in this to make money and will find any way to rip you off through this product. Took over a month for the approval process too.
Read full reviewUnfortunately this is a case of a bank being a bank. They are only in this to make money and will find any way to rip you off through this product. Took over a month for the approval process too.
They have been very helpful.
Read full reviewThey have been very helpful.
No loyalty to long time customers.
Read full reviewNo loyalty to long time customers.
They have great people skills.
Read full reviewThey have great people skills.
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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ANZ
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12.49% p.a.
0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first 0 years
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ANZ
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0% p.a. for 17 months then 20.24% p.a.
No current offer
$87 $0 when you spend over $20,000 p.a, $0 in the first year
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CUA
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11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Bankwest
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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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Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
CUA Platinum Rewards
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American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
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Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
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St.George
Amplify Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points uncapped
Promoted
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
Promoted
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
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Westpac
Altitude Black
Altitude Rewards
$250
150,000
1.25 points uncapped
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American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Promoted
David Jones
American Express Card
Membership Rewards
$99
15,000
1 point uncapped
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St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Promoted
Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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Citi
Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
Promoted
CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
CUA Platinum Rewards
Promoted
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
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Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
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CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
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Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
