Purchase rate
20.99% p.a.
Balance transfer rate
No current offer
Annual fees
$30 $0 in the first year
Interest free days on purchases
55

Mozo editorial review ANZ First - last updated: 22 February 2024

binocular icon
What's hot
  • $0 annual card fee in the first year ($30 after that)
  • Payment options including Apple Pay, Google Pay and Samsung Pay
  • Up to 55 interest free days
What's not
  • 20.99% p.a. purchase rate
Mozo snapshot

With $0 annual card fee in the first year ($30 after that), 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 20.99% p.a. purchase rate. You can also get $125 back on your new ANZ First card when you spend $750 on eligible purchases in the first 3 months. (T&Cs apply).

key icon
Key features

The ANZ First Credit Card is your basic credit card, which currently comes with $0 annual card fees in the first year ($30 after that). With this card, 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 20.99% p.a. and you can get up to 55 interest free days on new purchases with the ANZ First. 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 could be a great option 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 20.99% p.a.

Details

Rates and fees information correct as at 21 April 2024 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

20.99% p.a.

none

No current offer

yes

21.99% p.a.

55

Fees

$30.00

$0 in the first year

none

$0.00

$20.00

3.0%, Min $4.00

3.00%

$0.00

$0.00

$0.00

Features

$25.00

2.0

3

none

Payment options

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

Rewards privileges

Extended Warranty,
Purchase Protection

Other benefits

Receive $125 back to your ANZ First card when you spend $750 on eligible purchases in the first 3 months.

Customer Reviews

How are ANZ credit cards rated by the Mozo community?

Overall
Price
Features
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Based on 6323 ANZ credit card reviews

Latest reviews of ANZ First Credit Card

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