ANZ First Credit Card
Balance Transfer Savings
0% Purchase Savings
You could save
Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.
The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded
All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.
in 6 months
You could save
Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.
The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded
All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.
Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.
More info links to a detailed product page on our site.
in months
email mep.a.
p.a.
annual fees
| Cash Advance Rate Interest rate incurred for a cash advance | 20.24% p.a. |
|---|---|
| Other Requirements | Yes Don't currently hold and haven't opened or closed an ANZ Rewards Black, ANZ Rewards Platinum or an ANZ Rewards credit card in the last 12 months |
| Mobile Cardless Payments | Yes Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay |
| Card Type | Visa |
| Minimum Credit Limit | $1,000 |
| Interest Free Period The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date. | Up to 55 days |
| Purchase Rate The standard interest rate that applies to purchases on the card | 20.24% p.a. |
| Balance Transfer Rate The interest rate applied to the balance transfer amount for a set period of time | 20.24% p.a. |
| Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. | $30 p.a. |
| 0% Purchase Offer Number of months that the promotional 0% purchase offer applies | 12 months |
| Minimum Age | 18 years of age or over |
|---|---|
| Temporary Resident Application | Yes, conditions apply Must have more than 9 months available on Visa |
| Joint Application | No |
| International ATM Withdrawal Fee | $5 |
|---|---|
| Maximum Additional Cardholders Maximum number of additional cardholders | Up to 3 |
| Additional Cardholder Fee Fee incurred for adding an additional cardholder to the account | $0 |
| International Transaction Fee Fee incurred for transactions made in foreign currency | 3% of transaction amount |
| Cash Advance Fee | 2% or $4.00, whichever is greater |
| International Cash Advance Fee | 2% or $4, whichever is greater |
| Late Payment Fee Fee incurred if the minimum repayment is not paid by the due date | $20 |
| Minimum Monthly Repayment The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing. | 2% or $25, whichever is greater |
| Annual Fee An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. | $30 p.a. |
| Purchase Insurance Terms, conditions, limits and exclusions may apply, check product site for details | Yes Extended Warranty Insurance Purchase Protection Insurance |
|---|
Your Top Questions Answered for the ANZ First
What are the eligibility criteria for the ANZ First credit card?
To apply for the ANZ First credit card you must:
- Be 18 years of age or over
- Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa
- Have a good credit rating
Can I use the ANZ First with Apple Pay or Google Pay?
Yes! In fact, in addition to Apple Pay and Google Pay, you can also use this card with other common payment technologies including Samsung Pay, Garmin Pay and Fitbit Pay.
Can I apply for the ANZ First on my mobile?
Yes, you can apply for the ANZ First credit card securely via the ANZ website. The application is mobile-friendly and only takes 5 minutes.
