ANZ First Visa Offer – Rates and Fees

Information verified correct on December 5th, 2016
ANZ First Visa Credit Card Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Repay your debt with 0% p.a. interest for 18 months (reverts to standard balance transfer rate of 21.49% p.a.) with a long-term balance transfer offer from ANZ.

The ANZ First Visa is a straightforward credit card that features a low annual fee of and offers up to days interest-free on purchases when you pay your balance in full by the due date on each statement. This card also offers a balance transfer rate of 0% p.a. interest for 18 months to help you save money on interest as you pay off your debt.

Product NameANZ First Visa Credit Card
Balance transfer rate (p.a.)0% p.a. for 18 months with 3% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Standard Balance Transfer Revert Rate (21.49% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)19.74% p.a.
Annual fee$30 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 44 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Minimum Monthly Repayment2%
Minimum Income$15,000
Card TypeVisa
Late Payment Fee$20
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo
Minimum Income$15,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$15,000
Annual Fee$30 p.a.
Minimum Repayment2%
Late Payment Fee$20
Over Limit Fee$20
Cash Advance Fee2%
Overseas Cash Advance FeeThe greater of 2% of cash advance amount or a minimum of $4
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostNo
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • This card comes with a low annual fee of $30.
  • Enjoy an introductory balance transfer of 0% p.a. for the first 18 months.
  • This card also offers a low minimum credit limit of $1,000.

Cons

  • The interest rate of 19.74% p.a. on purchases and balance transfers is high compared to other cards in this price bracket.
  • A 3% balance transfer fee applies.
  • There are only 44 interest-free days on purchases compared with most other cards and there is no interest holiday on purchases when you first get this card.

ANZ First Visa Offer review

The ANZ First Visa Credit Card offers worldwide acceptance for purchases in-store, online or over-the-phone, anywhere Visa is accepted. This low-cost card also includes complimentary extended warranty insurance for eligible purchases and access to exclusive ticket offers and entertainment deals through Visa Entertainment. It also has a minimum income requirement of  and a standard annual fee of .

In addition to these standard features, the ANZ First has an introductory balance transfer offer of 0% p.a. for the first 18 months (reverts to ). Note that a one-off balance transfer fee applies for this offer.

Benefits of the ANZ First Visa Card

The First Visa from ANZ gives you a number of money-saving benefits to consider when weighing it against other credit cards, including:

  • Long-term balance transfer offer. If your application is approved, you can transfer up to 95% of your available balances from your other non-ANZ store and credit cards. Enjoy 0% p.a. interest for 18 months on balance transfers. A balance transfer fee applies for this offer and any balance remaining after the balance transfer promotion has ended will attract interest at the standard balance transfer rate of 21.49% p.a.
  • Complimentary extended warranty. The card offers complimentary extended warranty coverage to eligible items purchased with the card. This can double the manufacturer’s expressed warranty by up to 12 months. This offer is only relevant to products with an Australian warranty, and may not cover purchases made overseas.
  • Complimentary purchase protection insurance. This insurance offers cover against loss, theft or accidental damage on most personal items purchased with the card, for three months from the date of purchase.
  • Interest-free days. If you pay your account balance in full by the due date on each statement, you can get up to 44 days interest-free on purchases made with the ANZ First Visa Card.
  • Visa Entertainment. This complimentary Visa program gives you access to pre-sales for concert tickets, movie screenings and other special offers.
  • Mobile payment technology. Apple Pay, Android Pay and ANZ Mobile Pay let you use your Apple or Android device to tap and pay with your eligible ANZ credit card.

Features of the ANZ First Visa Card

Make sure you consider the following features when comparing the ANZ First Visa Card to other options:

  • Annual fee. You will be charged a $30 annual fee on your first statement, and for each subsequent year you have the card.
  • Purchase rate. This card charges a standard variable purchase rate of 19.74% p.a.
  • Cash advance rate. If you use this card for a cash advance, a 21.49% p.a. interest rate will apply from the time of the transaction.
  • Cash advance fee. Cash advance transactions in Australia attract a fee of of the total transaction. applies for cash advances overseas.
  • International transaction fee. A currency conversion rate of applies for foreign currency transactions.
  • Security. You are protected 24/7 with Falcon security fraud monitoring, as well as access to worldwide emergency services. The ANZ Fraud Money Back Guarantee also ensures that you won't be liable for fraudulent transactions on your ANZ credit card account.

How to apply for the ANZ First Visa Card

You can apply for the ANZ First Visa Credit Card online in around 5 minutes by clicking on the "Go to site" button. You'll then get a response within 60 seconds of submitting the completed application. Before you do that though, make sure you meet the eligibility requirements and have all your supporting documentation and information on hand.

Eligibility criteria

  • You must be at least 18 years of age.
  • You must be an Australian permanent resident or citizen, or hold a 457 working visa that is valid for at least an additional 9 months. This card is also available for New Zealand citizens.
  • You must earn a minimum of $15,000 per year (before taxes). Note that different minimum income requirements may apply for students and non-residents.
  • You must have good credit history.

Required documents

  • Personal information. This includes your full name, residential address, email address, date of birth and contact number.
  • Identification. You will need to provide a valid Australian driver’s licence number or your passport to help verify your identity.
  • Income and employment details. You will need to provide details of your employment status and employer. If you are self-employed, ANZ will ask for information about your accountant. You may also be required to submit recent payslips or tax statements.
  • Financial details. Provide a list of all of your current financial obligations, including any credit card debts, personal loans or mortgages, as well as ongoing household expenses. If you plan on taking advantage of the balance transfer offer, you will also need specific details regarding those accounts, including the institution name, account number and amount to be transferred.

The ANZ First Visa is a basic credit card product with a low annual fee, complimentary purchase insurance covers and interest-free days if you pay the balance in full on each statement. Compare this card to a range of other options so that you can apply for a product that is right for you.

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65 Responses to ANZ First Visa Offer – Rates and Fees

  1. Default Gravatar
    Ryan | October 11, 2016

    Hi

    What is the balance transfer fees for this Anz first visa credit card?

    Thanks

    • Staff
      May | October 11, 2016

      Hi Ryan,

      Thanks for your question.

      There is no balance transfer fee applied for the ANZ First Visa Credit Card that offers 0% interest on balance transfer for 12 months.

      Cheers,
      May

  2. Default Gravatar
    | September 14, 2016

    Q1. Is there any “balance transfer fee” on this card?
    Q2. Am I still eligible for the 0% p.a. for 12 months balance transfer if I am already an ANZ customer? (I will be doing a BT from a non-ANZ card)

    • Staff
      Jonathan | September 20, 2016

      Hi Jeremy, thanks for your inquiry!

      There is no balance transfer fee for this offer. You can apply for this offer even though you are an existing ANZ customer.

      Cheers,

      Jonathan

  3. Default Gravatar
    rach | September 3, 2016

    I have an ANZ ff black and a rewards black but don’t have anz first. If I apply for this card am I eligible for the 0% balance transfer?

    • Staff
      May | September 5, 2016

      Hi Rach,

      Thank you for your inquiry.

      Unfortunately, the balance transfer for ANZ First Visa Credit Card is available in respect of balances transferred from non-ANZ credit and store card accounts only. The balance transfer and purchase rate offer is not available when you are transferring a balance from an existing ANZ account.

      Cheers,
      May

  4. Default Gravatar
    caroline | August 25, 2016

    Hello, does this ANZ card have a BT fee?

    Thanks

    • Staff
      Anndy | August 25, 2016

      Hi Caroline,

      Thanks for your question.

      ANZ First Visa is among the credit cards that do not attract balance transfer fee.

      Cheers,
      Anndy

  5. Default Gravatar
    Saifon | August 12, 2016

    If have ANZ first already how can I get more credit card

    • Staff
      May | August 16, 2016

      Hi Saifon,

      Thanks for your inquiry.

      As stated in the fine prints found on ANZ website, the offer (above) is only available to new and approved credit card applicants who apply for an ANZ First credit card account with the balance transfer by clicking the green ‘Go to site’ button above. Furthermore, the balance transfer and purchase rate offer is not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. Since you already held an ANZ First Visa card, I’m afraid you may not be eligible to take advantage of the same card.

      Cheers,
      May

  6. Default Gravatar
    Mani | August 3, 2016

    I have a nab credit card with 7500$ limit . I have used 6000$ .. I also have10,000 $ personal loan .. Am I still able to apply for a balance transfer card..I am having good credit score and make more than 40,000. Is having a personal loan will put any effect on my application for a new card if I want to apply … Thank you

    • Staff
      Anndy | August 4, 2016

      Hi Mani,

      Thanks for your comment.

      Unfortunately, ANZ doesn’t allow personal loan balance transfer.

      If you want to apply for a credit card where you can move your personal loan and credit card balances, you can check your options on this page.

      Please note that the amount that you can transfer depends on your approved credit limit.

      Cheers,
      Anndy

  7. Default Gravatar
    Ka | July 10, 2016

    Hi,

    With the Long-term balance transfer offer, can I apply to have the balance transfer at a later day or does it have to be right at the beginning?

    Kind Regards,
    Ka

    • Staff
      Anndy | July 12, 2016

      Hi Ka,

      Thanks for your question.

      If you want to take advantage of the advertised ANZ First Visa’s promotional rate of interest for balance transfers, you should apply for the balance transfer at the time you first sign up for the card.
      Cheers,
      Anndy

  8. Default Gravatar
    emanuel | June 29, 2016

    Hi there,

    I have a Anz first credit card with a limit of $35,500. I would like to do a Balance transfer to my westpac credit card for the full amount. would you be able to help me as I want to avoid the 3% Balance Transfer Fee from Anz.

    Cheers,
    Emanuel

    • Staff
      May | July 1, 2016

      Hi Emmanuel,

      Thanks for your inquiry.

      Just to confirm, what type of Westpac credit card that the transfer is being made to? Is this for your existing Westpac credit card? Usually, Westpac will process balance transfer amounts up to 95% of the limit available on the Westpac credit card for new applicants and there is no fee when you conduct BT on their cards.

      Cheers,
      May

  9. Default Gravatar
    Sia | June 25, 2016

    Hi there,
    I have a current credit card with the min limit of 1000.. I’m struggling to pay that back but am hoping to pay it back with my tax return. My question is, am I able to increase my credit limit when my balance is $0 ?

    • Staff
      Anndy | June 27, 2016

      Hi Sia,

      Thanks for your question.

      I can’t tell if you will be approved for an increase in credit limit or not. However, we have a guide that can help improve your chances of getting approved for a higher credit limit.

      Cheers,
      Anndy

  10. Default Gravatar
    prabhjot | June 16, 2016

    Help me my visa.

    • Staff
      May | June 17, 2016

      Hi Prabhjot,

      Thanks for your comment.

      How can we help you with your visa? Is that a “Visa card” you’re referring to? In order for us to assist you further, we’d appreciate if you could please clarify your question.

      Thanks and cheers,
      May

Credit Cards Comparison

Rates last updated December 5th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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