In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
ANZ First
Terms and conditions apply
Balance transfer rate with no balance transfer fee
21.99% p.a.
Purchase rate
20.99% p.a.
Annual fee for the first year ($30 p.a. thereafter)
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers $125 back to your new card and a $0 annual fee in the first year.

The ANZ First’s simplicity makes it a contender for people new to credit cards or anyone looking for a card without bells and whistles. The $125 back and the $0 first-year annual fee can also add value when you first get the card, with a relatively low spending requirement for the cashback offer. The $30 annual fee that applies from the second year is on par with other low fee cards. But it’s worth noting that the ANZ First has a variable purchase rate of 20.99% p.a., which is at the higher end of the scale.


  • $125 credit back on your new card
  • $0 annual fee in the first year
  • Low minimum credit limit of $1,000


  • High 20.99% p.a. interest rate for purchases

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The ANZ First offers up to 55 days interest-free on purchases and mobile payments through a range of platforms, including Apple Pay, Google Pay and Samsung Pay. Right now, you can also get $125 back on a new ANZ First Credit Card account when you spend $750 on eligible purchases in the first 3 months from approval. The annual fee will be waived in the first year and will be charged $30 each subsequent, which is relatively low compared to other credit cards on the market in Australia.


Product details

Product Name ANZ First
Balance transfer rate p.a. 21.99%
Balance transfer limit 95% of available limit
Purchase rate p.a.
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $1,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee
$0 first year ($30 after)
Minimum monthly repayment 2% of the closing balance or $25, whichever is greater
Late payment fee $20
Foreign currency conversion fee
Cash advance fee 3%
Overseas cash advance fee 3% of transaction amount or $4 (whichever is greater)
Overseas ATM withdrawal fee $5
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

If you've compared your options and decided on the ANZ First, you can apply online in around 20 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.

Eligibility criteria

  • Residency requirement. Citizens and permanent residents of Australia are eligible to apply. If you are a non-Australian permanent resident, you must have at least 12 months remaining on an eligible working or business visa.
  • New cardholder. The $125 credit back offer and the first-year annual fee waiver are only available to new ANZ First credit card customers.

Card benefits

  • $125 back. You'll get $125 back to your new card when you apply for a new ANZ First Credit Card and spend $750 on eligible purchases in the first 3 months from card approval.
  • First-year annual fee waiver. Save with a $0 annual fee in the first year, which goes to $30 after that.

Rates & fees

  • Annual fee. Outside of any promotions, 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 20.99% p.a. for any new purchases you make.

Your reviews

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September 01, 2023

I really don’t understand how this Anz first card works I applied for this card but I dont know can I deposit funds physically and online in this accountCan other person send me payments or this account is just for purchasing and payments only?

Could you tell me in detail how it works


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Amy Bradney-George Finder

September 03, 2023

Hi Waleed,

The ANZ First is a credit card, so you can use it for purchases and then need to repay what you spend. If you don’t repay the total amount by the due date on your statement, you’ll be charged interest. As a credit card, it’s not meant for depositing funds or receiving payments from other people in the same way as a bank account. Finder’s guide to credit cards for beginners has more details on how these accounts work. I hope this helps.

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Sue ve

February 18, 2023

I am retired and still have a credit card attached to my husband’s credit card. He nearly died last year so I decided to apply for my own credit card. Denied.

Had difficulty providing documents. No pay slip, no tax assessment. I have a fortnightly income stream from a trust which goes into same bank. Not proof of income apparently.

Never had credit card problems in past.

Own a house. No loans or debt

Why can’t retired women get a credit card?

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Amy Bradney-George Finder

March 03, 2023

Hi Sue,

That sounds very difficult. Every bank and credit card company is different in how it considers income streams. Finder has a guide about credit cards for people who are retired and also one on low income credit card options that may be of assistance. But any application will be subject to lending criteria and assessment by the issuer. Contacting them directly before applying may also give you more context.

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July 06, 2019

What fees do I incur for using my credit card while on holiday in spain


Joyce Finder

July 07, 2019

Hi Decy,

Thanks for leaving a question. For ANZ First Visa Card. The following fees will be incurred if you use the card while in Spain:

Overseas ATM Withdrawal Fee $5

Overseas Cash Advance Fee 2% or $4, whichever is greater

Foreign Currency Conversion Fee (Visa/Mastercard) 3% of transaction value – this is 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.

For other fees, you can check the Fees tab on this same page.

Hope this helps.



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May 29, 2019

What is the minimum monthly repayment?


Charisse Finder

May 29, 2019

Hi Qeu,

Thanks for reaching out to Finder.

The Minimum Monthly Payment ANZ requires from you is generally 2% of the relevant closing balance (subject to a minimum of $25). The monthly statement of account that ANZ sends you will show you how much your closing balance is and how much you need to pay as the minimum.

I hope this helps.



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August 25, 2016

Is ANZ First accepted worldwide??


Anndy Lou Finder

August 25, 2016

Hi Aaron,

Thanks for your question.

Yes, ANZ First Visa credit card is accepted worldwide where Visa is accepted. However, please note that this card attracts foreign currency conversion fee of 3% of transaction value.



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