Thumbnail icon for ANZ

ANZ First

Purchase rate
20.24% p.a.
Balance transfer rate
0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
Annual fees
$30
Interest free days on purchases
55

Mozo editorial review ANZ First

Last updated: 20 February 2020.

binocular icon
What's hot
  • Low $30 annual card fee
  • Pament options including Apple Pay, Google Pay and Samsung Pay
What's not
  • 20.24% p.a. purchase rate
Mozo snapshot

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.

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Key features

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.

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Who is it good for

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.


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Any catches

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.

Details

Rates and fees information correct as at 5 July 2020 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
  • 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

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 6176 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 10/10
    Efficient, pleasant experience. 100% helpful.

    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 review

    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.

    Price
    10/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Jessica, Victoria reviewed 13 days ago
  • Overall 5/10
    The wait a while credit card.

    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 review

    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.

    Price
    -1/10
    Features
    2/10
    Customer service
    3/10
    Convenience
    7/10
    Trust
    4/10
    Less
    Alex, Western Australia reviewed about 2 months ago
  • Overall 5/10
    Very helpful

    They have been very helpful.

    Read full review

    They have been very helpful.

    Price
    4/10
    Features
    -1/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10
    Less
    George, Western Australia reviewed 3 months ago
  • Overall 7/10
    Average.

    No loyalty to long time customers.

    Read full review

    No loyalty to long time customers.

    Price
    -1/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    -1/10
    Trust
    6/10
    Less
    Laurie, New South Wales reviewed 7 months ago
  • Overall 10/10
    Awesome.

    They have great people skills.

    Read full review

    They have great people skills.

    Price
    7/10
    Features
    1/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kylie, New South Wales reviewed 7 months 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.

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