Enjoy 0% interest on purchases for the first 20 months and $30 back on a new ANZ First credit card.
The ANZ First offers an annual fee of $30, up to 55 days interest-free on purchases and mobile payments through a range of platforms – including Apple Pay, Google Pay and Samsung Pay.
Balance transfer rate
for the first 20 months (reverts to 20.24% p.a.)
Interest free period
|Product Name||ANZ First|
|Balance transfer rate||20.24% p.a.|
|Balance transfer limit||95% of available limit|
|Purchase rate||0% p.a. for 20 months, reverts to 20.24% p.a.|
|Interest-free period||Up to 55 days on purchases|
|Cash advance rate||20.24% p.a.|
|Min credit limit||$1,000|
|Foreign currency conversion fee||3%|
|Available to temporary residents||Yes - Conditions apply|
- Low annual fee of $30
- 0% p.a. for the first 20 months on purchases
- $30 credit back
- Low minimum credit limit of $1,000
- Outside of any promotions, the standard purchase interest rate is high compared to other cards in this price bracket
|Minimum monthly repayment||2% of the closing balance or $25, whichever is greater|
|Late payment fee||$20|
|Foreign currency conversion fee||3%|
|Cash advance fee||2% or $4, whichever is greater|
|Overseas cash advance fee||2% or $4, whichever is greater|
|Overseas ATM withdrawal fee||$5|
|Additional cardholder fee||$0|
|Number of additional cardholders||3|
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
How to applyIf you've compared your options and decided on the ANZ First, you can apply online in around 5 minutes. Before you get started, make sure you meet the eligibility criteria and have all the documents and details you'll need to complete your application.
- Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have an eligible working or business visa with at least 9 months remaining.
- New cardholder.The $30 credit back offer is only available to new and approved applicants who apply for an ANZ First credit card with the purchase rate offer.
- Age. You must be at least 18 years old to apply.
- Personal details. This includes your full name, residential address, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
- Employment details. This includes your current job title, your income from work and your employer's contact details. You will also need to provide documents that verify your income, such as recent payslips. If you're self-employed, you'll need to provide details for your accountant, along with your most recent tax assessment notices.
- Financial details. This includes any other forms of income, such as government payments and benefits, savings or pensions. You'll also need to provide a list of all of your current financial obligations, including credit card payments, personal and home loans.
- Balance transfer details. If you want to take advantage of the balance transfer offer, you will need to include details of the debt you want to transfer when you apply. This includes the name of your existing provider, the account number and the amount of debt you want transferred.
- 0% purchase offer. When you apply and get approved for a new ANZ First, you can save with 0% p.a. on purchases for the first 20 months. At the end of the promotional period, the rate will revert to 20.24% p.a. Although you’ll pay no interest on purchases during this time, you will still need to pay at least the minimum amount listed on your monthly statement by the due date. This will be 2% of the closing balance or $25, whichever is greater.
- $30 back. You can also get a $30 back when you apply and get approved for a new ANZ First along with the introductory purchase rate offer. The $30 will be credited to your account within 3 months of card approval.
- Cashrewards Max. This complimentary program gives you a way to earn cashback when you shop with over 1,700 brands including Apple, THE ICONIC, Uniqlo and Uber Eats. To get started, create a free Cashrewards account, then link your ANZ credit card to unlock the Cashrewards Max benefits. This includes bigger cashback offers and exclusive deals, such as $20 back when you spend $20 or more through Cashrewards within 7 days of signing up. Once you’re a member, you’ll get cashback when you shop in-store or online with participating brands. The cashback is added to your Cashrewards account and you can transfer it to your bank account or PayPal once you’ve collected at least $10.01 cashback. Learn more about this ANZ Cashrewards partnership that launched in 2021.
- Extended warranty. The ANZ First comes with complimentary extended warranty cover for eligible items you buy with the card. This cover gives you a way to double an Australian manufacturer's warranty by up to 12 months.
- Purchase protection insurance. Pay for your purchases with the ANZ First and you can get insurance against loss, theft or accidental damage for 3 months from the date you bought the item. This cover is available for most personal items.
- Mobile payment technology. You can add your ANZ First to a range of mobile payment platforms, including Apple Pay, Google Pay and Samsung Pay, as well as Fitbit Pay and Garmin Pay.
- Visa benefits. You receive complimentary access to Visa Offers + Perks, which gives you access to pre-sale tickets, movie screenings and other special offers. The Visa Australia website also provides a range of shopping and travel offers, such as hotel discounts or upgrades, special offers with online stores and perks with partner restaurants.
Rates & fees
- Annual fee. The ANZ First charges an annual fee of $30, which is competitive with other entry-level cards.
- Purchase interest rate. If you carry a balance on this card, you'll be charged interest at the rate of 20.24% p.a. for any new purchases you make (outside of any promotions).
- Interest-free days. If you pay off the required closing balance by the due date on each statement, you can get up to 55 days interest-free on purchases during your statement period. If you have promotional balances from relevant balance transfer plans, instalment plans and buy now pay later plans, you will need to pay the full Adjusted Closing Balance listed on your statement to be eligible for interest-free days. This is calculated as your closing balance less the sum of any relevant promotional plans.
- Cash advance rate. Cash advances, such as balance transfers and ATM withdrawals, collect an interest rate of 20.24% p.a. (variable).
- Cash advance fee. Cash advances made with this card will attract a fee worth 2% of the transaction amount or $4 (whichever is greater).
- International transaction fee. This card charges a fee of 3% of each transaction made overseas or online with a merchant that's located overseas.
- Additional cards. If you want to share your account with your partner or a family member, you can request up to 3 additional cardholders for your ANZ First account for no extra charge. Note that you will still be responsible for all account management – including repayments.