ANZ
ANZ

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

Purchase Rate
20.24% p.a.
Cash Advance Rate
20.24% p.a.
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Interest Free
Up to 55 days
Annual Fee
$30.00
Balance Transfer Rate
0% p.a. for first 12 months
  • 0% p.a. for 12 months on purchases and $30 back to your new ANZ First credit card. New Card. Reverts to standard purchase rate, (currently 20.24% p.a.) after 12 months.
  • Offer ongoing until further notice.
  • Low $30 annual fee.
  • Enjoy the convenience of ANZ Visa payWave at participating merchants.
  • Up to 55 days interest free on purchases.
  • Visa Entertainment.
  • View balances, transfer money and make payments simply and easily with the ANZ App.
  • Apple Pay® and Google Pay let you use your compatible Apple® or Android™ device to tap and pay with an eligible ANZ credit card.

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$30.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $30.00
Annual Fee First Year $30.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Other Charges

Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $20.00
Overseas Emergency Card Replacement Fee -
Terms & Conditions
Eligibility and How to Apply: -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 3 additional card holders at no extra cost. 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 This is a limited time only offer which may be withdrawn or changed at any time without notice.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. 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. 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.

* 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).

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