ANZ First

20.24% p.a.

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$30

n/a

ANZ First

20.24% p.a.

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$30

n/a

Mozo Review   ANZ First Review

Last updated: 2 October 2019.

What's hot:
  • Low $30 annual fee

  • Pament options including Apple Pay, Google Pay and Samsung Pay

What's not:
  • 20.24% purchase rate

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 55 days interest free but be sure to pay off your balance in full each month or you'll start paying 20.24% 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 20.24%.

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 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 get monitored around the clock for suspicious transactions. The 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 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. And to qualify, you'll just have to be 18 or over, and be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa.


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 start being charged interest at 20.24% p.a. 

Details

Rates and fees information correct as at 16 December 2019 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 6123 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
    7/10
    Average.

    No loyalty to long time customers.

    No loyalty to long time customers.

    Price
    -1/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    -1/10
    Trust
    6/10

    Laurie | New South Wales

    reviewed 11 days ago

  • Overall
    10/10
    Awesome.

    They have great people skills.

    They have great people skills.

    Price
    7/10
    Features
    1/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10

    Kylie | New South Wales

    reviewed 21 days ago

  • Overall
    7/10
    Overall good service.

    Overall I find the products provided by ANZ to be quiet good. The staff are friendly but customer...

    Overall I find the products provided by ANZ to be quiet good. The staff are friendly but customer service can be difficult if the bank manager does not understand everyday circumstances making it not flexible for individual needs.

    Price
    7/10
    Features
    8/10
    Customer service
    3/10
    Convenience
    5/10
    Trust
    5/10

    Helen | Western Australia

    reviewed about 1 month ago

  • 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 about 1 year 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 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

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 20.24% p.a.

$58

Promoted

ANZ

ANZ

Platinum

20.24% p.a.

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

$87 $0 when you spend over $20,000 p.a, $0 in the first year

Promoted

ANZ

ANZ

Frequent Flyer

20.24% p.a.

No current offer

$95

Promoted

ANZ

ANZ

Frequent Flyer Platinum

20.24% p.a.

No current offer

$295

Promoted

ANZ

ANZ

Rewards

20.24% p.a.

No current offer

$80

Promoted

ANZ

ANZ

Rewards Platinum

20.24% p.a.

No current offer

$95

Promoted

ANZ

ANZ

Rewards Black

20.24% p.a.

No current offer

$375

Promoted

ANZ

ANZ

Frequent Flyer Black

20.24% p.a.

No current offer

$425

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$375

Promoted

NAB

NAB

Low Rate Card

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

0% p.a. for 6 months then 13.99% p.a.

$59

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $49 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

0% p.a. for 13 months then 21.49% p.a.

$149 $49 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

No current offer

9.89% p.a.

$69

Promoted

CUA

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

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

20.24% p.a.

$425

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$375

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

20.24% p.a.

$425

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

1 point per dollar on Visa, up to $10,000 per month

21.49% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Escape Card

0.75 points per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Suncorp

Suncorp

Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129 $49 in the first year

Promoted

Heritage Bank

Heritage Bank

Platinum

0.002 points per dollar on Visa, uncapped

17.49% p.a.

$125 $0 when you spend over $35,000 p.a

Promoted

Citi

Citi

Rewards Platinum Credit Card (Balance Transfer)

0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

$149 $49 in the first year

21.49% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

0% p.a. for 13 months then 21.49% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months and then 20.99% p.a. (1.00% balance transfer fee)

$129 $64 in the first year

20.74% p.a.

Promoted

Citi

Citi

Rewards Platinum Credit Card (Bonus Points)

0% p.a. for 15 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

21.49% p.a.

Promoted

NAB

NAB

Low Rate Card

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

$59

0% p.a. for 6 months then 13.99% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 20.24% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

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

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

$69

No current offer

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

NAB

NAB

Low Fee Card

19.74% p.a.

$30

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

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

11.30% p.a.

$0

No current offer

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

$49 $0 in the first year

0% p.a. for 13 months and then 21.74% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

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

$59

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Promoted

Citi

Citi

Platinum Credit Card (Purchase Rate)

0% p.a. for 13 months then 21.49% p.a.

0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

Promoted

Latitude

Latitude

Low Rate Mastercard

9.89% p.a.

No current offer

$69

Promoted

CUA

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

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

$0

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year