Important disclosure
ANZ First
Cashback
Earn $125 back to your new ANZ First card when you spend $750 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year.*T&Cs apply.*T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 in the first year, currently $30 thereafter)
Purchase Rate
20.99%
p.a
Balance Transfer Rate
21.99%
p.a
RateCity says
“This big bank credit card waives its annual fee in the first 12 months and offers a competitive cash back deal.”
20.99%
p.a
21.99%
p.a
$0
for 12 months then $30 thereafter
Australian Credit Licence 234527Fees & charges apply
Pros and cons
For First
Benefits
- $0 annual fee in the first 12 months and $30 p.a thereafter.
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
- Extended warranty
- Purchase protection insurance
Drawbacks
- Higher than average ongoing variable purchase rate
- No reward program
ANZ Rate Credit card overview
For First
Details
Card Level Standard | Card Type Visa |
Interest Free Days 55 | Minimum monthly repayment 2% or $25 |
Minimum credit limit $1k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit ANZ Banking Group Limited to view Target Market Determination. |
Fees
Annual Fee $0 for 12 months then $30 thereafter | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $20 |
Over limit fee $20 | Duplicate statement fee $0 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate 20.99% p.a |
Cash advance rate 21.99% |
Cash advance fee 3% |
Balance Transfer
Balance Transfer Rate 21.99% p.a |
Transfer Limit 95% of the approved credit limit |
Balance Transfer Fee 2% |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available - |
Eligibility
Minimum age 18 |
Minimum income |
Eligibility conditions A non-permanent resident with more than 9 months remaining on your Visa |
Residency |
Perks
- FREE SUPPLEMENTARY CARDS
- EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year.
- PURCHASE PROTECTION INSURANCE Covers up to 90 days
- Cashback Earn $125 back to your new ANZ First card when you spend $750 on eligible purchases in the first 3 months from approval, plus $0 annual fee in the first year.*T&Cs apply.*T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 in the first year, currently $30 thereafter)
Other Restrictions
The Estimated ATM Cost when accessing money overseas is $18. T&Cs apply.
How to apply
If you'd like to apply for this product or just get more information, follow the application process on ANZ.