ANZ First for Students credit card

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Save with a $0 annual fee in the first year and get up to 55 days interest-free on purchases with the ANZ First for Students credit card.

This student credit card from ANZ offers straightforward features designed to help you manage your money as you study, with credit limits starting from $500.

20.24% p.a.

Balance transfer rate

20.24% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($30 p.a. thereafter)

55 days

Interest free period

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Product NameANZ First for Students
Balance transfer rate20.24% p.a.
Balance transfer limit95% of available limit
Purchase rate20.24% p.a.
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Interest-free period55 days
Cash advance rate20.24% p.a.
Min credit limit$500
Card typeVisa
Foreign currency conversion fee3%
Minimum income$15,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • $0 annual fee for the first year ($30 p.a. thereafter)
  • Low minimum credit limit of $500
  • Additional 12 months warranty on goods purchased using the card and purchase protection insurance against theft, loss or damage


  • The interest rate on purchases of 20.24% p.a. is high compared to other cards in this price bracket.
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $25, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of additional cardholders3

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The ANZ First for Students credit card is available to tertiary students studying full-time in Australia. As long as you’re paying off your card and keeping your account in good standing, it can be a useful way to start building your credit history while you’re studying.

How to apply

You can apply for the ANZ First for Students credit card online in around 5 minutes and can expect a response within 60 seconds. Before you start, check if you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Full-time student. You need to be studying full-time at an eligible Australian educational institution to apply for this card. Make sure to select "full-time student" as your employment status when completing the application. If you're unsure about whether your studies fit these requirements, call ANZ on 13 33 33 and provide details of where you're enrolled.
  • Income. You must earn at least $15,000 per year, including part-time work, Youth Allowance and Austudy. If you're a non-permanent resident and not working, you may also be eligible if you have at least $20,000 in deposits with an Australian onshore bank.

Card benefits

  • No annual fee for the first year. If you are a full-time tertiary student, you can save $30 with a waived annual fee for the first year.
  • Manageable credit limits. This ANZ student credit card offers credit limits starting from $500, which could help you manage repayments and avoid ongoing credit card debt. Check out our guide on credit card limits to learn more about them and how you can calculate the amount of credit you'll need.

Rates & fees

  • Annual fee. The ANZ First for Students credit card charges a standard annual fee of $30 that's waived in the first year if you're an eligible full-time student.
  • Purchase rate. This card has a variable purchase rate of 20.24% p.a.

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    Default Gravatar
    March 7, 2019


    I want to apply for a student visa card. Is it possible? if so, how can I apply?

      Avatarfinder Customer Care
      March 7, 2019

      Hi Tyty,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Yes, it is possible for you to apply for a student visa card as long as you meet the eligibility requirements of ANZ. For example, you would need to be earning a minimum income of $15,000 and you should be at least 18 years old.

      Aside from checking the eligibility criteria, you also need to check the features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    January 24, 2017


    I’m asking this question on behalf of a student. Is the minimum income required for this card $15,000 or $6,000?


      Avatarfinder Customer Care
      January 24, 2017

      Hi Aran,

      Thanks for your question.

      The ANZ First Student Card does require a minimum income of $15,000.

      You may want to also check and compare other student credit cards on this page.


    Default Gravatar
    May 12, 2016

    Hi my daughter Emily turns 19 in August 2016 and is wanting to go on an overseas trip. She works part time and earns over $6K and is a full time uni student. We would as her parents be happy to go on the credit card application with her to support her application – she has had no previous loans and therefore has no credit rating. She is now paying her own phone bill from Telstra and has the evidence of regular paying off a bill.
    Should she apply online or come into a store?

      Avatarfinder Customer Care
      May 12, 2016

      Hi Joanne,

      Thanks for your comment.

      For her convenience, your daughter can apply for ANZ First Student Card online by clicking on the green “Go to site” button on the above page.

      I hope this helps.


    Default Gravatar
    September 10, 2015

    Can Youth Allowance be counted as Income for a student credit card?

      Avatarfinder Customer Care
      September 10, 2015

      Hi Chloe,

      Thank you for your question.

      ANZ First Student credit card cardholders must earn a minimum income of $6,000 p.a. This includes part-time work, youth allowance and Austudy.

      I hope this has helped.



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