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
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$395 $295 in the first year
Qantas Frequent Flyer
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
St.George
Amplify Signature
Amplify Rewards
$279 $139 in the first year
200,000
1.5 points uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
BankSA
Amplify Signature
Amplify Rewards
$279 $139 in the first year
200,000
1.5 points uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
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
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
St.George
Vertigo
0% p.a. for 24 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
St.George
Amplify Platinum
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 19.74% p.a.
$99 $0 in the first year
Amplify Rewards
Citi
Rewards Credit Card
0% p.a. for 30 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
St.George
No Annual Fee
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
St.George
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bank of Melbourne
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$395 $295 in the first year
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
St.George
Vertigo
13.99% p.a.
0% p.a. for 24 months and then 21.49% p.a.
$55 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
