ANZ First Visa Credit Card

ANZ First Visa Credit Card


  • 0% p.a. for 20 months on purchases and $30 back. Reverts to standard purchases interest rate of 20.24% p.a. after 20 months. Terms and Conditions apply.
  • Low annual fee of $30 p.a.
  • Up to 55 days interest-free on purchases when you pay your account in full each month.

Pros and cons


  • Low annual fee of $30 p.a.
  • Introductory purchase rate offer of 0% p.a. for the first 20 months.
  • A low minimum credit limit of $1,000.


  • There are no ANZ Rewards or Qantas Points benefits.
  • There are cards with a lower ongoing purchase rate.


The basics

  • Additional cardholders. This card allows up to 3 additional cardholders for free, which means you can share your account with family members and friends you trust. If you do add additional cardholders, you will be responsible for the account's management.
  • Digital wallets. Add this card to your phone with Apple Pay, Google Pay, and Samsung Pay. Other popular digital wallets like those from Garmin are also supported.
  • Gambling transactions. ANZ charge the cash advance rate on all gambling related purchases.

Rewards and benefits

  • Complimentary travel insurance. Complimentary international travel insurance does not come with this card.
  • Concierge services. The ANZ First Visa Credit Card does not give cardholders access to a concierge service, which is understandable since it is an entry level product.
  • Insurances. Cardholders will have extended warranty insurance and purchase protection insurance with fraud monitoring security from ANZ Falcon.
  • Rewards points. This card does not come with a rewards program.
  • Sign up bonus. There is no sign up bonus for the ANZ First Visa Credit Card.

Rates and fees

  • Annual fee. The annual fee for this card costs $30 p.a., which will be charged every year the card remains open.
  • Balance transfers. ANZ does not have a balance transfer offer for this card.
  • Cash advances. The interest rate on cash advances with the ANZ First Visa Credit Card is 21.24% p.a. with interest accruing immediately. A one-off cash advance fee is also charged per transaction.
  • Foreign exchange fee. The fee for purchases while overseas or online in a foreign currency will be 3%.
  • Interest-free period. This card comes with up to 55 days interest-free on all purchases except cash advances. To qualify, you must have paid off your previous balance in full by the due date.
  • Purchases. Get 20 months at 0% p.a. on purchases, allowing you to spread the cost of purchases. After the introductory period, the ongoing interest rate of 20.24% p.a. will apply to any remaining balance.