ANZ First Card (0% p.a. first 18 months on BT with a 2% BT Fee. Reverts to standard BT rate, currently 20.24% p.a.*)

Purchase Rate

20.24 %
p.a.
Cash Advance Rate
20.24% p.a.
Interest Free
Up to 55 days
Annual Fee
$30.00
Balance Transfer Rate
0% p.a.
for first 18 months
  • Get 0% p.a. first 18 months on balance transfers* with an ANZ Platinum credit card.*
  • 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.

Card Details

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

Visit the issuer's website for additional information.

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. *2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, T&Cs, fees and charges apply. 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 allow 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 428kB) 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 at www.anz.com 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).

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

ANZ First Card (0% p.a. first 18 months on BT with a 2% BT Fee. Reverts to standard BT rate, currently 20.24% p.a.*)

Purchase Rate 20.24 % p.a.
Cash Advance Rate 20.24% p.a.
Interest Free Up to 55 days
Annual Fee$30.00
Balance Transfer Rate 0 % p.a. for first 18 months

Top Features

  • Get 0% p.a. first 18 months on balance transfers* with an ANZ Platinum credit card.*
  • Offer ongoing until further notice.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee$30.00
Minimum RepaymentGreater of 2% or $25.00
Annual Fee First Year$30.00
Interest Charged FromPurchaseDate
Rewards Joining Fee -
Late Payment Fee$20.00
Supplementary Card Fee$0.00
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. *2% Balance Transfer fee. Reverts to standard balance transfer rate, currently 20.24% p.a. Eligibility criteria, T&Cs, fees and charges apply. 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 allow 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 428kB) 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 at www.anz.com 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).

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