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ANZ First
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
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, eligibility criteria, fees and charges apply (including an annual fee, $0 in the first year, currently $30 thereafter)
Purchase rate p.a.
20.99%
Balance transfer rate
21.99%
Annual fee
$0
for 12 months then $30 thereafter
ANZ First
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
20.99%
Balance transfer rate
21.99%
Annual fee
$0
for 12 months then $30 thereafter
RateCity says
"This big bank credit card waives its annual fee in the first 12 months and offers a competitive cash back deal."
Pros and Cons
For ANZ 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
$1,000
Maximum credit limit
$0
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
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
20.99%
Cash advance rate
21.99%
Cash advance fee
3%
Balance Transfer
Balance transfer rate
21.99%
Transfer limit
95%
of the approved credit limit
Balance transfer fee
2%
Overseas spending
Foreign exchange fee
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
Warranty is extended for the same duration as the original warranty up to 1 year.
Covers up to 90 days
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.More details