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

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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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 percentage 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 annual percentage 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) 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. 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 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.

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).

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.

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.

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.

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 (PDF 428kB). Existing customers should review their credit contract for information regarding their account.

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

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

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 Pay, Fitbit Pay and Garmin Pay.

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.

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. 

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. 

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 percentage 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 percentage 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) 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. 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.

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.