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ANZ First for Students ($0 Annual Fee for the
first year)

ANZ First for Students ($0 Annual Fee for the
first year)

Purchase Rate
19.74 %
p.a.




Cash Advance Rate 21.49% p.a.
Interest Free Up to 44 days
Annual Fee$30

  • An easy to manage credit limit from $500.
  • Full time tertiary students pay $0 Annual Fee for the first year, a saving of $30.
  • Up to 44 interest free days on purchases.
  • 19.74%p.a. interest rate on purchases.
  • Manage your account on the go 24/7 with ANZ’s goMoneyTM app.
  • Worldwide Visa acceptance
  • Around-the-clock monitoring for suspicious transactions and $0 liability for fraudulent transactions.
  • 3 Additional card holders at no extra cost.
  • Apple Pay®, Android Pay™, Samsung Pay™ and ANZ Mobile Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $30 Minimum Repayment Greater of 2% or $25
Annual Fee First Year $0.0 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $20
Supplementary Card Fee $0    
Duplicate Statement Fee $0 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $4
Over Limit Fee $20 Overseas Emergency Card Replacement Fee

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Eligibility and How to Apply: You must be at least 18 years old and studying full time at an eligible Australian educational institution. Earn at least $15,000 per year. Can include part time work, Youth Allowance and Austudy. You can also apply if you are a non-Permanent resident and not working, as long as you meet our eligibility criteria. Ensure you select "Full-time student" as your employment status on the online application form. 1. 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 27 July 2016 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. 2. Interest free periods on the purchases do not apply if you do not pay your Closing Balance (or, if applicable, your '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. 3. ANZ goMoneyTM for AndroidTM is only available in Google PlayTM. ANZ goMoneyTM for iPhone is only available from the App Store. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. 4. Provided you do not contribute to the loss and have notified ANZ within a reasonable period of time of any suspected fraud or misuse of the card. 5. The standard purchases annual percentage rate is 19.74% p.a., the standard balance transfers annual percentage rate is 19.74% p.a. and the standard cash advances annual percentage rate is 21.49% p.a. for ANZ First as at 27 July 2016 and is subject to change. Apple Pay®, Android Pay™, Samsung Pay™ and ANZ Mobile Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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