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0% P.A.

(2% Balance Transfer Fee applies)disclaimer

Reverts to standard balance transfer rate, currently 21.49% p.a.disclaimer

Apply nowView rates & fees

It only takes around 5 minutes to apply. Get a response in 60 seconds.

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 insurances for your shopping (eligibility criteria apply) 

Rates and fees

The important numbersdisclaimer

Rates table 1

Interest rate on purchases


Interest rate on cash advances


Interest rate on standard balance transfers


Interest free period on purchases

Up to 44 daysdisclaimer

Rates table 2

Annual account fee


Interest rate on promotional balance transfers

Reverts to standard balance transfer rate, currently   


0% p.a. (first 16 months)disclaimer
(2% Balance Transfer Fee)

Minimum credit limit


Additional cardholders
(at no additional cost)

Up to 3 

Features and benefits

A low ongoing annual fee and more

ANZ First has our lowest annual fee and also comes with complimentary 90-Day Purchase Security Insurance and Extended Warranty Insurance on your purchases, as well as the security and convenience that all ANZ consumer credit cards give you.disclaimer


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:

  • 90-day Purchase Security Insurancedisclaimer - insurance against loss, theft or accidental damage on most personal items purchased -  for 3 months from the date of purchase.
  • Extended Warranty Insurancedisclaimer - double the manufacturer's expressed Australian warranty on major personal and household purchases by up to an additional 12 months.

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

ANZ goMoney gives you a great way to bank on your iPhone or Android. Plus Apple Pay, Android Pay™ and Samsung Pay™ let you use your compatible Apple or Android™ 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 64kB).

Protection for your ANZ credit card

ANZ Credit Card Insurance could help you stay on top of your credit card minimum monthly repayments if you experience an unexpected redundancy, illness or injury.disclaimer See ANZ Credit Card Insurance for details including what is covered and the cost. Eligibility criteria apply.

Get exclusive access to entertainment offers

You’ll get complimentary membership to Visa Entertainment, giving you access to special offers, ticket pre-sales and movie screenings.



Can I apply?

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

  • Be 18 years of age or over
  • Have a good credit rating  
  • Be a permanent Australian resident, earning a minimum annual income of $15,000 
  • Be a non-Australian permanent resident with more than 9 months remaining on your Visa, earning a minimum annual income of $15,000 


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

How to apply

Like the sound of this card?

Apply now

It only takes around 5 minutes to apply and you get a response in 60 seconds.

Other ways to apply: Visit any ANZ Branch or Call 13 33 33 Mon to Fri, 8am to 8pm, Sat and Sun 10am to 6pm (AEST)


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 Overseas Travel and Medical Insurancedisclaimer


0% p.a. for the first 16 months on balance transfers (2% Balance Transfer Fee applies)disclaimer Reverts to standard balance transfer rate currently 21.49% p.a.disclaimer

Not sure which credit card is right for you?

All applications for credit are subject to ANZ's credit approval criteria. Terms and Conditions apply and are available on application. Fees, charges and eligibility criteria apply. 

™ 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.

Offer only available to new and approved credit card applicants who apply for an ANZ First or ANZ Platinum credit card account with the balance transfer.  This is a limited time only offer which may be withdrawn or changed at any time without notice. Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 2% of the balance transferred and will be applied at the time the balance is transferred and form part of the Promotional Plan balance. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfers annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is  for ANZ First and  for ANZ Platinum as at  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 468kB).

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

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Interest free periods on purchases do not apply if you do not pay the Closing Balance (or, if applicable, the 'Closing Balance' less instalment Plan and Buy Now Pay Later plan balances) shown on each statement of account in full by the applicable due date. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use (PDF 468kB).

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Extended Warranty Insurance and 90-day Purchase Security Insurance are part of a group policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545 to ANZ. Access to the benefit of cover is provided to eligible ANZ cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Terms, conditions and exclusions apply. For more information refer to the  ANZ Credit Cards Insurance Features Brochure (108kB).

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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

Terms and conditions apply to the use of Apple Pay, Android Pay, Samsung PayANZ Mobile PayFitbit Pay and Garmin Pay.

Apple, Apple Pay and iPhone are trade marks of Apple Inc., registered in the U.S. and other countries.

Android, Android Pay and the Android Logo are trade marks of Google Inc..

Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co., Ltd.

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ANZ Credit Card Insurance is jointly issued by OnePath Life Limited (ABN 33 009 657 176) and OnePath General Insurance Pty Limited (ABN 56 072 892 365). 

This advice is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Before you purchase ANZ Credit Card Insurance you should consider whether the advice is appropriate for you having regard to your objectives, financial situation and needs.

ANZ recommends that you read and consider the ANZ Financial Services Guide and the ANZ Credit Card Insurance Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

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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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The Overseas Travel and Medical Insurance master policy, the Transport Accident Cover master policy and Rental Excess Cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth). The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 366kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

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

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