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Balance transfer rate with no balance transfer fee: 21.99% p.a.
Purchase rate: 20.99% p.a.
Annual fee: $30 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

Earn $220 back on your new ANZ First credit card when you spend $1,500 on eligible purchases in the first 3 months from approval.

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 $220 credit back offer can add value when you first get the card, with a relatively low spending requirement. The ongoing $30 annual fee is also 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.

The ANZ First also gives you a handful of extras, such as complimentary purchase protection insurance and extended warranty cover. When you’re shopping, you can tap-and-go with your card or a mobile device that has Apple Pay, Google Pay, Samsung Pay or Garmin Pay. You can also get up to 55 days interest-free on purchases each statement period when you pay the account balance in full by the statement due date.

Pros

$220 credit back on your new card
Low $30 annual fee
Low minimum credit limit of $1,000

Cons

High 20.99% p.a. interest rate for purchases

Details

Product details

Product Name	ANZ First
Balance transfer rate p.a.	21.99%
Balance transfer limit	95% of available limit
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$1,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	$30
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3.5%
Cash advance fee	3% of transaction value or $3, whichever is greater
Overseas cash advance fee	3% of transaction value 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 a few minutes and receive a response within 60 seconds. 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 a valid working, business or investor visa.
New cardholder. The $220 credit back offer is only available to new ANZ First credit card customers.

Eligible balance transfer debt. ANZ allows you to transfer from $100 up to 95% of your credit limit from non-ANZ credit and store card accounts.
Age. You must be at least 18 years old to apply.

Required documents

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.

Card benefits

$220 back. You'll get $220 back on your new card when you apply for a new ANZ First Credit Card and spend $1,500 on eligible purchases in the first 3 months from card approval.
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 90 days 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 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.
Security. ANZ credit cards are protected by ANZ Falcon, an anti-fraud monitoring system that offers 24/7 transaction monitoring. If your card is lost or stolen, you'll be protected by ANZ's Fraud Money Back Guarantee. You can also request an emergency credit card replacement worldwide.

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 20.99% p.a. for any new purchases you make.

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, 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 21.99% p.a. (variable).
Cash advance fee. Cash advances made with this card in Australia will attract a fee worth 3% of the transaction amount or $3 (whichever is greater), while 3% of the transaction amount or $4 (whichever is greater) will be charged overseas.
International transaction fee. This card charges a fee of 3.5% 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.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. ANZ First Credit Card information PDF
2. ANZ First Credit Card TMD

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Waleed

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

Thanks

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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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Decy

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.

Regards,

Joyce

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qeu

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.

Cheers,

Charisse

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Aaron

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.

Cheers,

Anndy

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

ANZ First

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