skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

ANZ First credit card

Our lowest annual fee credit card. The new card offer gives you:

$125 back to your new ANZ First card

when you spend $750 on eligible purchases in the first 3 months from approval.disclaimer

$0 Annual Feedisclaimer

in the first year

 

How to apply

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $30 thereafter).disclaimer

What to expect from this low fee card...

calendar with dollar

$30 annual fee

The lowest of all ANZ credit cardsdisclaimer

consolidation interest rate

 interest rate

on purchasesdisclaimer

savings account

$1,000 minimum credit limit

and you expect you will be able to repay all or most of the closing balance each month

umbrella dollar rain

Complimentary insurances

for your shoppingdisclaimer 

(terms, conditions, limits, exclusions and eligibility criteria apply)

Things to consider

  • No ANZ Reward or Qantas Points benefits
  • A higher interest rate on purchases compared to the ANZ Low Rate card, so the ANZ First might not be suitable if you only make minimum repayments over a prolonged period

Apply online

Apply online now

You’ll need details of your income, expenses, liabilities, assets and proof of identity.

Plus you'll also get...

Insurance on purchases

Purchase using your ANZ credit card to be eligible for complimentary Extended Warranty Insurancedisclaimer and Purchase Protection Insurance.disclaimer

T&Cs, limits, applicable sub-limits, exclusions and eligibility criteria apply.disclaimer

Buy now, repay later

ANZ Instalment Plans could be a handy way to repay your eligible credit card purchases over 3, 6 or 12 months.

Approval, eligibility and T&Cs apply. Fees and charges may apply.

Balance transfers

Transferring your outstanding balances from non-ANZ credit or store cards could consolidate your debts into one regular repayment.disclaimer

Cashrewards

Earn cashback from more than 2,000 popular retailers when you shop through Cashrewards.disclaimer

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Digital wallet compatible

An easy way to pay using your ANZ credit card on your compatible mobile device.disclaimer And, if you need a replacement card, digital cards are faster than the post.

Rates and fees

$1,000 Minimum credit limit

Up to 55 Interest-free days on purchasesdisclaimer

Standard interest rates

on purchasesdisclaimer

on cash advancesdisclaimer

on balance transfersdisclaimer

Annual fees

$30 Annual Feedisclaimer

up to 3 additional cardholders
no cost for additional cardholders

 

For details about all applicable fees & charges please refer to the  ANZ Credit Cards Conditions of Use (PDF) and ANZ Personal Banking Account Fees and Charges (PDF).

Eligibility

Who can apply?
 

To apply for an ANZ First credit card, you’ll need to:

  • be 18 years of age or over
  • be an Australian or New Zealand citizen, permanent resident or have more than 9 months left on your visa

Not sure if you’re eligible?

Call our credit card specialists on 13 22 73.

 

Get started online

Apply online

Apply online now


You’ll need:

  • Details of your income, expenses, liabilities and assets
  • Proof of identity.

Credit Card Quick Start

Get started now

Start your application online. We’ll call you back within 2 business days to help you complete it.

You may also be interested in

ANZ Platinum credit card

Annual fee waived each year if you spend $20,000 or more on eligible purchases (less refunds or reversals)disclaimer

$6,000
Minimum credit limit

$87
Current annual feedisclaimer

See ANZ Platinum

Offer

Earn $300 credit back to your new card

when you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ Platinum credit card.disclaimer

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, $0 for the first year, currently $87 thereafter).disclaimer

ANZ Low Rate credit card

Our lowest interest rate on purchasesdisclaimer at 

$1,000
Minimum credit limit

$58
Current annual feedisclaimer

See ANZ Low Rate

Choose an offer

Earn $250 credit back to your new card

when you spend $1,500 on eligible purchases in the first 3 months from approval of your new ANZ Low Rate credit card.disclaimer

T&Cs, eligibility criteria, fees and charges apply.

0% p.a. balance transfer rate for a 28 month promo period

with a 3% balance transfer fee and $0 annual fee in the first year.disclaimer

28-month promotional period starts when we issue a Letter of Offer, not when the Balance Transfer is processed (usually 3-15 business days after card activation). Rate reverts to standard BT rate at the end of the promo period, currently disclaimer

T&Cs, eligibility criteria, fees & charges apply (including an annual fee, $0 for the first year, currently $58 thereafter).

Ways your credit card is protected

ANZ Falcon® fraud protection

ANZ Falcon® provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.

Fraud money back guarantee

Provided you didn’t contribute to the loss, notified us promptly of the fraudulent activity and complied with the product T&Cs.disclaimer

Card security
microchip

An embedded card microchip makes it harder for your card to be fraudulently copied.

Visa secure

(formerly known as Verified by Visa)

Some added peace of mind to securely shop online. 

Choose the card for you

Compare each card’s features, considerations and fees to help you choose.

Compare credit cards

Budgeting and credit card education

Tips to fit your budget to your spending

A healthy budget helps with peace of mind and a greater sense of financial wellbeing. But where to get started?

Let's take a look

How to manage your credit card debt

There are some potential pitfalls to watch out for when it comes to credit cards. See how to make your repayments work for you.

Show me

Things to know about paying off your card

Make sure you avoid late payment fees with things like due date reminders and direct debits.

Learn more

Your questions answered

Applying

Yes. A credit rating or history plays an important part in assessing credit card applications, but it’s not the deciding factor. Your employment history, expenses, assets and liabilities are also considered.

   

No. If you have more than 9 months remaining on your visa, you are eligible to apply for an ANZ credit card. 

   

When you apply for a credit card, we’ll conduct a credit check on you by requesting information from one or more credit reporting agencies.

You will find that this is standard practice across the industry.

Learn more about credit reporting.

   

Credit scores

Depending on which credit scoring agency you go to, you may get a different score. Meaning what is considered a ‘good’ credit score will vary from place to place. 

Generally, your score will sit somewhere between 0 and 1,000 or 0 and 1,200, depending on which agency is calculating your score. No matter where you go, a higher number always means a better credit score.

Visit the Credit Smart website for more information on good credit scores and ratings.

   

The credit reporting bodies will provide you with one free credit report per year. Additional reports can be requested at a cost.

To obtain your credit report you’ll need to contact one or a combination of the credit reporting bodies.

Visit the Credit Smart website for more information

  

There is no quick fix, improving your credit score will take time. Getting on top of your repayments and ensuring they are made on time is a good place to start. For more tips on how to improve your score, visit the Credit Smart website.

  

How credit cards work

A credit card is a credit facility which allows you to borrow money from the bank to make purchases and get cash advances. Each credit card has a credit limit which is the amount you have been approved to spend on your card. Read “What is a credit limit” in our FAQ for more information on credit limits.

When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges. Learn more about ANZ’s interest rates, fees and charges.

   

When you make an eligible purchase with your ANZ credit card, you may have a period of time to repay the amount without being charged any interest. This is an interest-free period.disclaimer

Whether an interest free period is available and what period of time can vary. Please refer to our credit card education pages for more info. 

   

The credit limit is the amount you have been approved to spend on your credit card.

  • From time to time there may be a debit made to your Credit Card Account, which, if processed, would temporarily result in the outstanding balance exceeding your credit limit.
  • ANZ has an informal overlimit facility to help you in these circumstances.
  • Please note an overlimit fee will be charged in these circumstances.
  • You can ask ANZ to decline certain transactions so that you don't exceed your credit limit. 
  • Please refer to the ANZ Credit Cards Conditions of Use for further information.
   

You must be sure you will be able to repay a credit card before you take one out. If you miss a repayment due date you may have to pay interest and other fees and charges. It’s really important to understand your payment obligations and how credit card statements are structured. Our credit card education section contains a lot of useful information on your payment obligations and how credit cards work.

   

Yes. If you choose to only make the minimum monthly repayments, you’ll end up paying more interest and it may take longer to pay off or reduce your credit card balance. It could be tempting to simply pay this amount. But if you keep doing this, it could end up costing you much more in interest in the long run.disclaimer

Your statement should include a ‘minimum repayment warning’, which shows you two different scenarios.disclaimer Depending on how big your closing balance is, these two scenarios can be chalk and cheese. The first scenario gives an estimate of how long it could take you to pay off your credit card closing balance if you only make the minimum repayment each month and make no more purchases. It also provides an estimate of how much interest you could end up paying over that timeframe (assuming you make no new transactions, and fees and interest don’t change). The second scenario gives an estimate of how much you’d need to pay each statement period to pay off the closing balance in two years (assuming you make no new transactions, and fees and interest don’t change). This scenario includes an estimate of how much you could save in total interest charges.

   

Boost your credit card knowledge

With credit cards come big responsibilities, which is why it’s important to understand how they work. ANZ Creducation is an online educational series that explores credit card interest, making payments, balance transfers and more.

Learn more about Creducation

Connect with our specialists

Call us

Our team are available Monday to Friday from 8am to 8pm (AEST).

Call 13 22 73

Locate us

Find your nearest ATM or branch.

Book an appointment

Find a location or specialist

Get help with your application

We're here to answer your application questions and help you get started.

Request a callback

Applications for credit are subject to ANZ’s credit approval criteria. Terms and conditions, and fees and charges apply. Australian credit licence number 234527.

Falcon® is a registered trademark of Fair Isaac Corporation.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your ANZ Credit Card Account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $125 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $125 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $125 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you have breached the ANZ Credit Card Conditions of Use (PDF).

Return

After the first year an annual fee applies, currently $30. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Card Conditions of Use (PDF).

Return

The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

Return

Purchase Protection Insurance and Extended Warranty Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Group Policy to Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 AFSL and Australian credit license 234527 which allows eligible ANZ account holders and cardholders to claim under the Group Policy as third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ First Credit Card Complimentary Insurance booklet (PDF) which may be amended from time to time. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objects, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.

Return

Applies to transfers of $100 or more from eligible non-ANZ Australian credit and store card debts only. ANZ cannot accept a transfer if the balance of your card has reached 95% or more of the available credit limit balance, if you are in default on any existing ANZ credit card account or if the other account named in your application is in default at the time the application is received.

Return

Cashrewards is offered by Cashrewards and not ANZ. Cashrewards is not exclusive to ANZ cardholders. The Cashrewards account is not an ANZ account. To earn cashback you must be a Cashrewards member. Exclusions and caps may apply. Eligibility criteria, cashback redemption and withdrawal conditions and T&Cs apply.  Please visit Cashrewards for further details.

Return

Mobile payments available on compatible devices and eligible ANZ cards. View the full list at anz.com/mobilepayments. Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

Return

Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your 'Adjusted Closing Balance') shown on each statement in full by the applicable due date. Your Adjusted Closing Balance is calculated as your Closing Balance less the sum of any relevant Promotional Plan balances that relate to an Instalment Plan, a Buy Now Pay Later plan, or a Promotional Balance Transfer Plan, plus any instalments due (including instalments previously due which have not yet been paid). Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF). Existing customers should review their credit contract for information regarding their account.

Return

The standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

Return

The annual fee is currently $58 (as at ) but is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF).

Return

Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer.

Eligible purchases include purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions, and will not qualify.

The $250 will generally be credited to your credit card account within three months meeting the spend criteria. The $250 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ.

You will not be eligible for the $250 back if your credit card account is cancelled, suspended, transferred, or you are in default or breach of the ANZ Credit Card Conditions of Use (PDF).

Return

Applications for credit are subject to ANZ’s eligibility and credit approval criteria. Offer is for new and approved credit card applicants and is limited to one offer per applicant. ANZ may vary or end this offer at any time without notice.

Offer available in respect of balance transfers requested from Australian non-ANZ credit and store cards only at the time of applying for the new ANZ credit card. ANZ will process the balance transfer requested and any applicable fees up to 95% of your approved credit limit. Depending on the credit limit we approve, this might be less than the full amount of the amount of balance transfer you request when you apply.

The balance transfer Promotional Plan annual percentage rate expires 28 months after the date the credit card application is approved, which is the date of your Letter of Offer, and after the first 28 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card, and is subject to change. Terms and conditions apply to balance transfers. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF).

See the ANZ Credit Card Conditions of Use (PDF) and the ANZ Personal Banking Account Fees and Charges (PDF) for more information about fees and charges. If you transfer to a different credit card account this offer will cease to apply.

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance.

After the first year an annual fee applies, currently $58. Please see the ANZ Personal Banking Account Fees and Charges (PDF) and ANZ Credit Cards Conditions of Use (PDF).

Return

The ANZ Platinum Annual Fee will be waived in the first year. In each subsequent year, if Eligible Purchases of $20,000 or more are processed to your ANZ Platinum Credit Card Account during the relevant annual period, your next Annual Fee will be waived. The date Purchases are processed may be different from the date they were made. The relevant annual period starts on the day after your last Annual Fee was charged (or the day it would have been charged, if it was waived, or the day you accepted this offer or your transfer to ANZ Platinum became effective, if it is the first time we are due to charge your Annual Fee) and ends on the day your next Annual Fee would be charged. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest and fees. Refunds and reversals processed during the period will be deducted from your total Purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of Eligible Purchases excluding refunds and reversals in the year prior to your Fee Date the Annual Fee will be charged to your account. The Annual Fee is currently $87 but is subject to change.

Return

Offer is for new and approved credit card applicants and is limited to one offer per applicant.

ANZ may vary or end this offer at any time without notice. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. The time it takes to process, approve an application and deliver or activate a card can vary and there may be delays.

Eligible applicants must meet the spend criteria within 3 months of the date of approval. The date of approval of an application is the disclosure date specified in your Letter of Offer. Eligible purchases includes purchases made using your account but excludes specific purchases as set out in the ANZ Credit Card Conditions of Use (PDF). Excluded purchases include, for example, fees, cash advances, cash equivalent transactions, balances transfers, premiums paid for ANZ credit card insurance, transactions for gambling or gaming purposes or reversed or refunded transactions and will not qualify. The $300 will generally be credited to your ANZ Credit Card Account within 3 months of meeting the spend criteria. The $300 credit will be applied to the purchases balance and does not constitute a payment under your Credit Card Contract with ANZ. You will not be eligible for $300 back if your ANZ Credit Card Account is cancelled, suspended, transferred, or you are in default or breached the ANZ Credit Card Conditions of Use (PDF).

Return

Refer to the Electronic Banking Conditions of Use contained in your product terms and conditions (PDF).

Return

Not all transactions (e.g., at ANZ cash advances) get the benefit of interest-free days. Refer to the applicable credit contract for details of which (if any) transactions are eligible for interest-free days.

Return

Compared to if the account holder had paid their Closing Balance in full each month.

Return

The information provided in the Minimum Repayment Warning is provided as a guide only. It provides an estimate of how long it will take an account holder to pay off a credit card Closing Balance for a particular month if the account holder only pays the Minimum Monthly Payment each month. It shows how much interest the account holder could end up paying assuming the account holder makes no new transactions and fees and interest rates do not change.

Return
Top