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0% p.a. for 20 months on purchases and $30 back to your new ANZ First credit carddisclaimer

Reverts to standard purchases interest rate (currently ) after 20 months.disclaimer T&Cs, eligibility criteria, fees and charges apply (including Annual Fee, currently $30).

Apply nowView rates & fees

It only takes around 5 minutes to apply.

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 purchases interest rate (currently ) after 20 months.disclaimer

  

0% p.a. (for the first 20 months on purchases).disclaimer

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:

Refer to the policy information booklet for terms, conditions, exclusions, limits and eligibility criteria that apply, disclaimerincluding using your eligible card to make a purchase.

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 (PDF 81kB).

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.

   

Make managing multiple debts easier

Transfer your balances from non-ANZ credit and store cards to your existing ANZ credit card, which could make them easier to manage.

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

Ways to apply

Apply online

Apply online now

It only takes about 5 minutes.

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. 

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 25 months on purchasesdisclaimer and $0 Annual Fee in the first year on your new ANZ Platinum credit card.disclaimer

Reverts to standard purchases interest rate (currently ) after 25 months.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 features, considerations and fees – or, use our product selector tool to help you choose.

Compare credit cards Help me choose

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 Labels and Conditions available here for iOS (PDF 381kB) and here for Android (PDF 340kB) 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 purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ First Credit Card Account for a period of 20 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases balance annual interest rate applicable to your Credit Card Account. For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer. Your application must be approved and you must make at least one purchase on your new ANZ First credit card within 3 months of your Letter of Offer to be eligible for the $30 to be credited to your Credit Card Account. The $30 credit will be applied to the purchases balance within 3 months of your first purchase 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 Payments 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 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 164kB).

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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 a 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 197kB) 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 First Credit Card Complimentary Insurance booklet (PDF 197kB) 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 and ANZ Personal Banking Account 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 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 428kB). Existing customers should review their credit contract for information regarding their account.

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The 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 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.

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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 a 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 Platinum and Black Credit Card Complimentary Insurance booklet (PDF 696kB) 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 purchases interest rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. A promotional annual interest rate of 0% p.a. will apply to the purchases balance on your ANZ Platinum Credit Card Account for a period of 25 months from the date of your Letter of Offer. At the end of this offer period, new purchases and any unpaid purchases balance will become subject to the standard purchases annual interest rate applicable to your Credit Card Account.  For applicable fees and charges please see the ANZ Personal Banking Account Fees and Charges (PDF 164kB). Not available in conjunction with other offers, packages or promotions, or when transferring from an existing ANZ credit card. If you transfer to a different Credit Card Account this offer will cease to apply. This offer applies only once per eligible customer.  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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Standard annual interest rate for ANZ Platinum is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.

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