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 Credit Card - Exclusive Offer - DISCONTINUED
Terms and conditions apply
Balance transfer rate with no balance transfer fee
21.24% p.a.
Purchase rate
20.24% p.a.
Annual fee
$30 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers a $200 digital gift card, simple features and ANZ’s lowest credit card annual fee of $30.

This Finder exclusive offer ended on 26 July 2023. You can compare the current range of ANZ credit card options here.


  • $200 digital gift card offer
  • Low $30 annual fee
  • Low minimum credit limit of $1,000


  • High 20.24% p.a. interest rate for purchases
  • 3% international transaction fee

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 is a simple credit card with a low annual fee and a minimum credit limit of $1,000 that could help with budgeting for repayments. Right now, you can get a $200 digital gift card when you apply for a new ANZ First credit card through Finder and spend $750 on eligible purchases in the first 3 months.


Product details

Product Name ANZ First Credit Card - Exclusive Offer - DISCONTINUED
Balance transfer rate p.a. 21.24%
Balance transfer limit 95% of available limit
Purchase rate p.a. 20.24%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.24%
Min credit limit $1,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee $30
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 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 credit card, 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 an eligible working or business visa with at least 9 months remaining.
  • Apply through the link on Finder. The $200 digital gift card offer is only available if you apply through the link on Finder as a new ANZ First credit card customer.

Card benefits

  • $200 digital gift card. You'll get a $200 digital gift card when you apply for a new ANZ First Credit Card through the link on Finder, then spend $750 on eligible purchases in the first 3 months from card approval. You can redeem the digital gift card with one of the following merchants: The Iconic, Woolworths Supermarket, Rebel Sport, Uber Eats, Amazon, Caltex Woolworths, Flight Centre, H&M, JB Hi-Fi and Sephora.
  • Mobile payments. You can add your ANZ First credit card to Apple Pay, Google Pay and Samsung Pay, as well as Fitbit Pay and Garmin Pay.

Rates & fees

  • Annual fee. The ANZ First credit card 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 purchases you make.

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July 15, 2023

When will I receive the $200 gift card after I made qualifying purchase?


Elizabeth Barry Finder

July 28, 2023

Hi Mira,

It may take up to 90 days to receive your SMS or email with the link to the digital gift card after you’ve met the spend criteria.

Hope this helps,


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