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0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit carddisclaimer

New Card. Reverts to standard purchase rate, (currently ) after 12 months.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).

Apply nowView rates & fees

It only takes around 5 minutes to apply.

ANZ First  

A simple everyday credit card with a low ongoing annual fee

Our lowest annual fee

ANZ Falcon™ gives you extra security and confidence when you shop

Complimentary insurancesdisclaimer for your shopping 

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

Rates and fees

The important numbersdisclaimer

Rates table 1

Interest rate on purchases

disclaimer

Interest rate on cash advances

disclaimer

Interest rate on standard balance transfers

disclaimer

Interest free period on purchases

Up to 55 daysdisclaimer

Rates table 2

Annual fee

$30disclaimer

Promotional interest rate on purchases
New Card. Reverts to standard purchase interest rate (currently ) after 12 months.disclaimer

  

0% p.a. for the first 12 monthsdisclaimer

Minimum credit limit

$1,000 

Additional cardholders
(at no additional cost)

Up to 3 

Features and trade-offs

A low ongoing annual fee and more

ANZ First has our lowest annual fee and also comes with complimentary Purchase Protection Insurance and Extended Warranty Insurancedisclaimer on your purchases, as well as the security and convenience that all ANZ consumer credit cards give you.

Features and trade-offs

Features

  • A low annual feedisclaimer  compared to all other ANZ cards
  • 2 complimentary insurances (excluding International Travel Insurance)disclaimer 
  • Up to 55 days interest free on purchasesdisclaimer 

Trade-offs

  • A higher interest rate on purchases compared to the ANZ Low Rate card
  • Overseas transaction fees apply
  • No ANZ Rewards or Qantas Points benefits

Secure and convenient shopping

Shop with extra security and confidence

  • ANZ Falcon™ provides round-the-clock transaction monitoring
  • You won't be liable for fraudulent transactions on your ANZ credit card with ANZ Fraud Money Back Guaranteedisclaimer
  • Worldwide emergency credit card replacement

Complimentary insurance for your shopping

You could be eligible for these complimentary insurances when you make eligible purchases on your card:

(Terms, conditions, limits, exclusions and eligibility criteria apply. Refer to the ANZ Credit Cards Insurance Features booklet (PDF 156kB) for further information.)

Just tap and go

Securely pay for purchases under $100 with ANZ Visa PayWave™ – simply tap and go with your card at participating merchants – no need to swipe, dip or enter a PIN.

More reasons to choose ANZ First

Easy ways to bank

Make the everyday a little bit easier and do your banking on the go with the ANZ App. Plus, use your compatible smartphone or wearable device to tap and pay with an eligible ANZ carddisclaimer so you can continue to get the same great benefits and security. You can also use our Smart ATMs, ANZ Internet Banking and ANZ Phone Banking, or set up direct debit with CardPay Direct.

Enjoy max cashback offers

Join Cashrewards Max and link your ANZ First credit card to access higher cashback offers with a range of leading retailers.disclaimer

Get exclusive access to entertainment offers

Experience exclusive presales, offers, giveaways and benefits with Visa Offers + Perks. Head to visa.com.au/offers to sign up and get started.

   

Eligibility

Can I apply?

To apply for an ANZ Low Fee credit card, you need to :

  • Be 18 years of age or over, and
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa
  • Have a good credit rating. Find out more about Credit Reporting

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, expenses, assets and liabilities
  • Two recent pay slips for income verification
  • If you’re self-employed, you’ll need your accountant’s phone number
  • Details of your living expenses, such as regular bills
  • ANZ account number or Customer Registration Number (if you have one)
  • Your email address

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply.


Other ways to apply: Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm.

 

You don’t need to be an ANZ customer to apply for an ANZ credit card. If approved, you may expect to receive your card within five business days.

Looking for more choices?

A simple everyday credit card with $0 annual fee in the first yeardisclaimer plus complimentary insurancesdisclaimer

OFFER

0% p.a. for 17 months on purchases.disclaimer Reverts to standard purchase rate, currently disclaimer T&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $0 for the first year, $87 thereafter).disclaimer

Choose the card for you

Compare each card’s benefits, rates and fees – or, use our product selector tool to help you choose.

Compare credit cards Go to Product Selector

Want to check your application status?

Email us at anzcards@anz.com to request an update. Please include your credit card application reference number in the subject line of the email.

Email ANZ Credit Cards Team

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

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a 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, Shares 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 and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Offer only available to new and approved credit card applicants who apply for an ANZ First credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ First credit card account for a period of 12 months from the date of account approval. At the end of this offer period, new purchases and any purchases that remain unpaid will become subject to the standard purchases annual percentage rate applicable to your credit card account. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. This offer applies only once per eligible customer. Your application must be approved and you must activate the card for the $30 to be credited to your credit card account within 3 months of approval. The $30 credit will be applied to the purchases balance and does not constitute a payment under your contract with ANZ. If you transfer or cancel your new ANZ First credit card account before the $30 credit is processed to your account, you may become ineligible for this offer. If any repayments are overdue before the $30 credit is processed to your account, you will be ineligible for this offer until any overdue Minimum Monthly Repayment and amounts shown on your statement as being immediately payable have been paid. ANZ will not be liable for any loss or damage whatsoever resulting from a delay in the process of receiving and/or approving an application or activating the card.

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The Annual Account Fee ("Annual Fee") for ANZ First is currently $30, the standard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at  and is subject to change. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB) and ANZ Personal Banking General Fees and Charges (PDF 143kB).

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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 beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the Group Policy are set out in the ANZ Credit Cards Insurance Features booklet (PDF 156kB) 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.

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Refer to the ANZ Credit Cards Insurance Features booklet (PDF 156kB) for further information. Eligibility criteria may include making a purchase with your card.

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For details about all applicable fees & charges please refer to your Letter of Offer, ANZ Credit Cards Conditions of Use, ANZ Personal Banking Account Fees and Charges and ANZ Personal Banking General Fees and Charges.

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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 of account 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. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use. Existing customers should review their credit contract for information regarding their account.

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The Annual Account Fee ("Annual Fee") for ANZ First is currently $30 as at  and is subject to change.

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Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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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.

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Cashrewards Max customers who pay with their linked ANZ card may have access to higher cashback rates on selected offers compared to the standard Cashrewards program. Cashrewards Max is offered by Cashrewards and not ANZ. The Cashrewards account is not an ANZ account. Eligibility criteria, cashback redemption & withdrawal conditions and T&Cs apply.

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The ANZ Platinum Annual Account Fee ("Annual Fee") will be waived in the first year. In each subsequent year, if you make Eligible Purchases of $20,000 or more annually using your ANZ Platinum account your next Annual Fee will be waived. Eligible Purchases must be made in the year prior to your next Fee Date. Your Fee Date is the date that your account is assessed for charging an Annual Fee. If your account has not previously been charged an Annual Fee then for the purpose of determining your eligibility for the waiver, your Fee Date is the first date that your account is assessed for charging an Annual Fee. Eligible Purchases includes purchases made using your account, but excludes Balance Transfers, cash advances, interest, fees, transactions reversed and purchase refunds. If you do not make at least $20,000 of Eligible Purchases 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. 

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Complimentary 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 licence 234527 which allows eligible ANZ account holders and cardholders to claim under the group policy as third party beneficiaries. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Premium Cards – Insurances, Insurance Policy Information booklet which may be amended from time to time. An excess may be deducted from any benefit paid. ANZ does not guarantee this insurance. Any advice has been prepared without taking into account your objectives, financial situation or needs.  You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. 

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Offer only available to new and approved credit card applicants who apply for an ANZ Platinum credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ Platinum credit card account for a period of 17 months from the date of account approval. Any purchases that remain unpaid at the end of this period will become subject to the standard purchases annual percentage rate applicable to your credit card account. Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card.

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Standard annual percentage interest rate for ANZ Platinum is  on purchases,  on cash advances and  on standard balance transfers as at  and is subject to change.

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