Purchase rate
0% p.a. for 12 months then 20.24% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review ANZ First - last updated: 1 April 2021

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What's hot
  • Low $30 annual card fee
  • Payment options including Apple Pay, Google Pay and Samsung Pay
  • Up to 55 interest free days
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. 

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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.

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.


Rates and fees information correct as at 24 January 2022 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.

20.24% p.a.

0% p.a. for 12 months

No current offer


20.24% p.a.


















Payment options

Apple Pay, Google Pay, Samsung Pay, Garmin, Fitbit

Rewards privileges

Extended Warranty,
Purchase Protection

Other benefits

Receive $30 back to your ANZ First card when you activate your card within 3 months of approval.

Customer Reviews

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