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It only takes around 5 minutes to apply.

ANZ First for Students  

A credit card for full-time tertiary studentsdisclaimer

As a student you may be eligible for ANZ First with a special offer of $0 annual fee in the first yeardisclaimer


Eligible full-time tertiary students pay $0 annual fee for the first yeardisclaimer, a saving of $30disclaimer

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

Complimentary insurancesdisclaimer for your shopping (terms, conditions, exclusions, limits and eligibility criteria applydisclaimer

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 55 daysdisclaimer


Annual fee

$30 (waived in the first year for a full time tertiary student)disclaimer

Minimum credit limit

From $500

Additional cardholders (at no additional cost)

Up to 3

Features and benefits

A convenient everyday card

ANZ First comes with Extended Warranty Insurancedisclaimer and Purchase Protection Insurancedisclaimer for your shopping, plus all the security and convenience that other ANZ consumer credit cards provide.


Confidence when you shop

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:

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 for Students

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.

Get exclusive access to entertainment offers

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



Can I apply?

To apply for an ANZ First for students credit card, you need to:

  • Be 18 years of age or over and studying full-time at an eligible Australian educational institution, and
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa, and 
  • Be earning at least $15,000 per year. This may include payments from part time work, Youth Allowance and Austudy 

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.

Not sure which credit card is right for you?

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.

The ANZ First Annual Account Fee (“Annual Fee”) will be waived for the first year for students studying full time at an eligible Australian educational institution. After the first year for ANZ First, an Annual Fee of $30 applies. This fee is current as at  and is subject to change. The fee information displayed on this page applies to new customers only. Existing customers may be subject to different fees and should call 13 22 73 for information regarding the fees that apply to their account. ANZ reserves the right to withdraw this offer at any time.


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.


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.


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


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.


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 Terms and conditions apply to the use of Apple Pay, Google Pay, Samsung PayFitbit Pay and Garmin Pay.