Important disclosure

ANZ Banking Group Limited

ANZ First

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

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.”

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

20.99%

p.a

Balance Transfer Rate

21.99%

p.a

Annual Fee

$0

for 12 months then $30 thereafter

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More detailsmore-details

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
Specials
  • 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.