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

Purchase Rate
20.24% p.a.
Cash Advance Rate
20.24% p.a.
Interest Free
Up to 55 days
Annual Fee
  • 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 55 days if you pay your balance in full by the due date
  • 20.24%p.a. interest rate on purchases.
  • Manage your account on the go 24/7 with ANZ 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.
  • 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
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $30.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $25.00
Interest Charged From PaymentDueDate
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 studying full-time at an eligible Australian education 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. 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 App for Android is only available in Google Play. ANZ App 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 20.24% p.a., the standard balance transfers annual percentage rate is 20.24% p.a. and the standard cash advances annual percentage rate is 20.24% p.a. for ANZ First as at 16 August 2019 and is subject to change.

* 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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