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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 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 55 daysdisclaimer


Annual account 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 90-day Purchase Security Insurancedisclaimer for your shopping, plus all the security and convenience that other ANZ consumer credit cards provide.


Peace of mind 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:

  • 90-day Purchase Security Insurancedisclaimer - insurance against loss, theft or breakage over a range of new personal goods when the entire purchase is charged to your ANZ Platinum card.
  • Extended Warranty Insurancedisclaimer - double the manufacturer's expressed Australian warranty on a range of personal goods by up to 12 months when the entire purchase is charged to your ANZ First 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 (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.



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 13 January 2015 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.

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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). Existing customers should review their credit contract for information regarding their account.

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Extended 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).

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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, Google Pay, Samsung PayFitbit Pay and Garmin Pay.

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