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
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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 30 November 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
6.7/10

Based on 6218 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 5 months 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 7 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 8 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 12 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 about 1 year 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

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

ANZ

ANZ

Platinum

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

ANZ

ANZ

Frequent Flyer

20.24% p.a.

No current offer

$95

ANZ

ANZ

Frequent Flyer Platinum

20.24% p.a.

No current offer

$295

ANZ

ANZ

Rewards

20.24% p.a.

No current offer

$80

ANZ

ANZ

Rewards Platinum

20.24% p.a.

No current offer

$95

ANZ

ANZ

Rewards Black

20.24% p.a.

No current offer

$375

ANZ

ANZ

Frequent Flyer Black

20.24% p.a.

No current offer

$425

Westpac

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

St.George

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

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

20.74% p.a.

0% p.a. for 22 months and then 20.99% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Qantas Money

Qantas Money

Qantas Premier Platinum

Qantas Frequent Flyer

$299 $199 in the first year

100,000

1 point up to $10,000/month, then
0.5 points uncapped

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Citi

Citi

Rewards - e-voucher Offer

Citi Rewards Program

$199 $99 in the first year

No current offer

1 point up to $10,000/month

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Westpac

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

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

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

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

20.24% p.a.

$30

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$299 $199 in the first year

Qantas Frequent Flyer

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

Bank of Melbourne

Bank of Melbourne

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

St.George

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

Westpac

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

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

NAB

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

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

Westpac

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

St.George

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

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

Qantas Money

Qantas Money

Qantas Premier Platinum

19.99% p.a.

0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)

$299 $199 in the first year

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year