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0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit carddisclaimer

New Card. Reverts to standard purchase rate, (currently ) after 12 months.disclaimerT&Cs, eligibility criteria, fees and charges apply (including annual fee, currently $30).


Apply now View rates & fees

It only takes five minutes to apply.

Important numbers

Rates table 1

Our lowest annual fee of  just $30disclaimer

Standard interest rate on purchases is currently disclaimer

Standard interest rate on standard balance transfers and cash advances is currently disclaimer

Up to 55 daysdisclaimerinterest free on purchases when you pay your account in full each month

A minimum credit limit of $1,000


Apply now

It takes around 5 minutes.

A simple everyday credit card with a low ongoing annual fee

Pay using your device

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.


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

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.

Complimentary insurance for your shopping

  • 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.

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

  • Be 18 years of age or over, and 
  • Be a permanent Australian resident or a non-permanent resident with more than 9 months remaining on your Visa 
  • Have a good credit rating. Find out more about Credit Reporting

Details to have handy

  • Australian driver’s licence number (if you have one)
  • Details of your income, 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.

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.

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.

Offer only available to new and approved credit card applicants who apply for an ANZ First credit card account with the purchase rate offer. This is a limited time only offer which may be withdrawn or changed at any time without notice. If you transfer to a different credit card account during the offer period, the standard purchases annual percentage rate applicable on the new credit card account will apply to any unpaid purchases balance. The lower interest rate of 0% p.a. will apply to purchases on your ANZ First credit card account for a period of 12 months from the date of account approval. At the end of this offer period, new purchases and any purchases that remain unpaid will become subject to the standard purchases annual percentage 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. This offer applies only once per eligible customer. Your application must be approved and you must activate the card for the $30 to be credited to your credit card account within 3 months of approval. The $30 credit will be applied to the purchases balance 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).


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.


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.


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


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.