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Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



  • Free Supplementary Cards
  • Purchase Protection Insurance Cover lasts for 90 days per year
  • Extended Warranty Warranty is extended for the same duration as the original warranty up to 1 year.


The ANZ First credit card has a low annual fee, a moderately high interest rate and a moderately low interest-free period of up to 44 days. Cardholders receive complimentary membership to Visa Entertainment, which includes access to special offers and events.

The ANZ First credit card allows up to three additional cardholders (16 years or over) at no extra cost. Also available is a balance transfer deal of 0 per cent interest for 18 months (with a balance transfer fee).

Cardholders can pay for purchases under $100 with tap and go by ANZ Visa PayWave – so there’s no need to swipe, dip or enter a PIN. The card is also compatible with Apple Pay, Google Pay and Samsung Pay, so you can use your compatible Apple or Android device to pay for purchases.

Security-wise, cardholders are protected by ANZ’s Fraud Money Back Guarantee,Purchase Protection Insurance and extended warranty insurance. 

  • Low annual fee
  • Three free additional cardholders
  • Complimentary insurances
  • Moderately high interest rate
  • Moderate late payment fee
  • No frequent flyer points

Who is it good for?

The ANZ First card is appropriate for customers who are looking for a credit card that offers additional purchase protection as well as a low annual fee. However, the interest rate is moderately high compared to other cards on the market, so it is suited to those with the ability to pay off the card’s balance in full each month.

If you are looking for a family credit card, the ANZ First card could be a good choice thanks to the allowance for three additional cardholders at no added cost. It is not particularly suitable for overseas spending due to high international fees and charges.

The 18-month 0 per cent balance transfer deal may also make this card a particularly attractive option for those looking to carry over and pay off existing debt.

What RateCity says

This card offers some advantages to certain cardholders – for example, those who are looking for a low annual fee or the ability to add additional cardholders without having to pay extra.

However, the interest rate is relatively high for a non-rewards card and there are cards on the market with lower or no annual fees. Although cardholders have access to Visa Entertainment offers, the card doesn’t have a dedicated rewards program or potential to earn frequent flyer points.

The introductory balance transfer deal may be a drawcard for some customers, but probably wouldn’t be a suitable long-term card – especially for those who are unable to pay off the full balance every month after the introductory period finishes.

If the benefits of this card don’t fit your specific needs, it could be a smarter option to find a card that offers a lower interest rate or a more attractive rewards program.


To apply for the ANZ First credit card, you need to provide an Australian driver’s licence number, proof of income and details of your expenses, assets and liabilities. You also need to be at least 18 years of age and have a good credit rating. You must also be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your visa.

About ANZ

ANZ is one of the big four banks in Australia and one of the largest banking groups in the Pacific and New Zealand region. The bank offers personal finance products including credit cards, bank accounts, personal loans, car loans and home loans. Customers have access to 24/7 service through the bank’s online services and via phone. Customers can also manage their finances through the ANZ internet banking portal and the ANZ App*.

*The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allow eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ Credit Cards Insurance Features booklet (PDF 428kB) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

​Nick Bendel is a senior property and personal finance writer for RateCity, and an experienced journalist with numerous writing credits to his name. To date. He covers property, home loans, credit cards, superannuation and other bank products, and loves getting elbow-deep in the latest ABS, APRA and RBA data.​

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