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
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?
Latest reviews of ANZ First
- Overall7/10
Average.
No loyalty to long time customers.
Read full review
No loyalty to long time customers.
Price-1/10Features5/10Customer service8/10Convenience-1/10Trust6/10Less
Laurie | New South Wales
reviewed 11 days ago
- Overall10/10
Awesome.
They have great people skills.
Read full review
They have great people skills.
Price7/10Features1/10Customer service9/10Convenience10/10Trust10/10Less
Kylie | New South Wales
reviewed 21 days ago
- Overall7/10
Overall good service.
Overall I find the products provided by ANZ to be quiet good. The staff are friendly but customer...
Read full review
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.
Price7/10Features8/10Customer service3/10Convenience5/10Trust5/10Less
Helen | Western Australia
reviewed about 1 month ago
- Overall2/10
Dreadful
Poor features and rates for their credit cards.
Read full review
Poor features and rates for their credit cards.
Price2/10Features2/10Customer service2/10Convenience2/10Trust1/10Less
Taraipine | Queensland
reviewed about 1 year ago
- Overall7/10
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...
Read full review
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.
Price7/10Features-Customer service-Convenience-Trust-Less
Sonja | Queensland
reviewed over 2 years ago
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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