ANZ First

Mozo snapshot:

With a low $30 annual fee, the 2017 Mozo Experts Choice winning 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 44 days interest free but be sure to pay off your balance in full each month or you'll start paying 19.74% 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 21.49%.

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 19.74% and you can get up to 44 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 comes with some standard insurances such as extended warranty and purchase security insurance which means that if you lose, break or have your goods stolen within 90 days you can have them replaced.  

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.