0% P.A. FOR 18 MONTHS
ON BALANCE TRANSFERSdisclaimer
ON BALANCE TRANSFERSdisclaimer
(2% Balance Transfer Fee applies)disclaimer
Reverts to standard balance transfer rate, currently 21.49% p.a.disclaimerEligibility criteria, T&Cs, fees and charges apply.
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
Interest rate on purchases | |
|---|---|
Interest rate on cash advances | |
Interest rate on standard balance transfers | |
Interest free period on purchases | Up to 44 daysdisclaimer |
Annual account fee | $30disclaimer |
|---|---|
| Interest rate on promotional balance transfers Reverts to standard balance transfer rate, currently | 0% p.a. (for 18 months)disclaimer |
Minimum credit limit | $1,000 |
Additional cardholders | 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
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.
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 64kB).
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.
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
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.
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 18 months on balance transfers (2% Balance Transfer Fee
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.
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 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 18 months after the date the credit card application is approved, and after the first 18 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 Monday 20 June 2017 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).
Back to topStandard annual percentage interest rate is on purchases, on cash advances and on standard balance transfers as at and is subject to change.
Back to topFor all applicable fees & charges please see the ANZ Personal Banking Account Fees and Charges (PDF 139kB) and ANZ Personal Banking General Fees and Charges (PDF 155kB).
Back to topInterest 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).
Back to topThe Annual Account Fee for ANZ First is current as at and subject to change
Back to topExtended Warranty Insurance and 90-day Purchase Security Insurance are part of a group policy issued by Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 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 booklet (PDF 366kB).
Back to topProvided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.
Back to topMobile 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.
Back to topThe 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.
Back to topThe 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 Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 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 Allianz 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 relevant policy booklet before you make any decision to acquire it.
Back to topStandard 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.
Back to top