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ANZ First

An everyday credit card with a low annual fee.

ANZ First Visa

Apply now

Current offer

0% p.a. for the first 16 months on balances transferred from non-ANZ cards to a new card1


60 second response

You pay, you get

Rates and fees

loading product data(View current rates) interest rates on purchases2

loading product data(View current rates) interest rates on cash advances2

$1,000 minimum credit limit

$30 Total Annual Fee

Features and benefits

Feature 1
Up to 44 days interest free on purchases3
Feature 1
Add up to three additional credit cardholders at no extra cost
Feature 1
Extended warranty4 - double the manufacturer's expressed Australian warranty on goods by up to 12 months
Feature 1
90-day purchase security insurance4 against loss, theft or breakage

Shop with extra security and confidence

ANZ Falcon
  • With ANZ Falcon™ you get advanced, around-the-clock monitoring for suspicious transactions.
  • You won't be liable for fraudulent transactions on your ANZ credit card account5 with ANZ’s Fraud Money Back Guarantee
  • Worldwide emergency credit card replacement

Convenient ways to bank

ANZ goMoneyTM

ANZ goMoney<sup>TM</sup>

Bank on your iPhone or Android. Anytime. Anywhere7.

ANZ Contactless

ANZ Contactless

For payments under $100, simply tap and go with your card. No need to sign or enter a PIN.

ANZ Internet Banking

ANZ Internet Banking

Manage your credit card online, 24/7.

Lifestyle and entertainment benefits
  • Complimentary membership to Visa Entertainment, offering access to ticket pre-sales, movie screenings, and special offers.
  • Access to over 2000 special dining and hotel offers with eDine®.
  • Great discounts, special offers and advice for wine lovers with ANZ Wine Club.
Personalise your credit card
  • Design your own ANZ First Visa credit card by simply loading your favourite image or choose from a library of images using ANZ designmycard6
Additional cardholders
  • You can add up to three additional cardholders at no extra cost

How to apply

Call ANZ direct
Call 13 33 33, Monday to Friday, 8am to 8pm (AEST)

You don’t need to be an ANZ customer to apply. Once approved, you may expect to receive your credit card within five business days.

  • You are over 18 years of age
  • You have a good credit rating
  • You are a permanent Australian resident, earning a minimum annual income of $15,000 if applying for an ANZ Credit Card account. If you require a Platinum credit card account or you are a non-permanent Australian resident, you must earn a minimum annual income of $50,000

Considering upgrading to ANZ Platinum?

ANZ Platinum

Upgrade to ANZ Platinum for an extra $57 p.a. and get Platinum benefits including overseas travel and medical insurance8.

Apply now

Important information

All applications for credit cards are subject to ANZ's credit assessment criteria.

View ANZ terms, conditions, fees and charges

1. Offer only available to new and approved credit card applicants who apply for an ANZ First credit card account with the balance transfer by 13 January 2015.  Offer available in respect of balances transferred from non-ANZ credit and store card accounts only. Not available in conjunction with other offers, packages or promotions or in respect of balances transferred from an existing ANZ account. The offer must be requested at the time of applying for the credit card. The Promotional Plan annual percentage interest rate expires 16 months after the date the credit card application is approved, and after the first 16 months the standard balance transfer annual percentage rate will apply to any unpaid Promotional Plan balance. The standard balance transfers annual percentage rate is loading product data(View current rates) for ANZ First as at loading product data(View current rates) and is subject to change. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy). Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. ANZ reserves the right to withdraw this offer at any time.

2. Standard annual percentage interest rate is loading product data(View current rates) on purchases and loading product data(View current rates) on cash advances as at loading product data(View current rates) and is subject to change.

3. 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.

4. Extended Warranty Insurance, 90-day Purchase Security Insurance, Best Price Guarantee Scheme and Interstate Flight Inconvenience Insurance is underwritten by Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Terms and conditions apply to the cover provided. For more information refer to the Premium Cards - insurances booklet (PDF 356 kB) – Part 2 Zurich Policy Wordings.5. Provided the cardholder didn’t contribute to the loss and notified ANZ promptly of the fraud.

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

6. Subject to ANZ Designmycard Image Guidelines. Terms and Conditions available at the Designmycard website.

7. ANZ goMoney™ for Android™ is only available in Google Play™. ANZ goMoney™ 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.

8. The Overseas travel and medical insurance master policy, the Transport accident cover master policy and Rental excess cover master policy (the Master Policies) are issued by QBE Insurance Australia Limited ABN 78 003 191 035 AFSL 239545 to ANZ. Cover under the Master Policies is provided to eligible participating cardholders by operation of section 48 of the Insurance Contracts Act 1984 (Cth), The eligibility criteria which you must meet for each of the Master Policies is set out in the Premium Cards - Insurance booklet (PDF 356kB) - Part 1 QBE Product Disclosure Statement and policy wordings. When overseas, we recommend that you carry proof of that you have met the eligibility criteria. Any advice has been prepared without taking into account your objectives, financial situation or needs. You must decide whether or not it is appropriate, in light of your own circumstances, to act on this advice. You should ensure you obtain and consider the PDS before you make any decision to acquire it.

™ 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.


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