On website
ANZ First Visa Credit Card
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Annual fee
$0.00 for 1st year
Highlights
- Obtain $125 cashback upon spending $750 on eligible purchases within the initial 3 months after approval. Terms and Conditions apply.
- Enjoy a $0 annual fee for the first year ($30 p.a. thereafter).
- Benefit from up to 55 days interest-free on purchases by paying your account in full each month.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Eligibility
Additional cardholders
Credit limits
Repayments
Balance transfers
Balance transfer offer
Balance transfer conditions
Rates, fees, charges
Cash advances
Purchases
Account fees
Rewards
Rewards program basics
Rewards points per $1 spent
Additional perks
Insurance
Travel and lifestyle
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
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 charges 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. If you apply for a new ANZ First Visa Credit Card, you will earn $125 cashback when you spend $750 on eligible purchases in the first 3 months from approval.
Rates and fees
- Annual fee. The first-year annual fee is waived. After the promotional year, it will cost $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 21.99% p.a. with interest accruing immediately. A one-off cash advance fee is also charged per transaction.
- Foreign exchange fee. The fee for overseas purchases 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. The ongoing interest rate of 20.99% p.a. will apply to eligible purchases.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Very helpful staff
Reviewed by shelleytas1964
Smiling customer says it all
Reviewed by Bev
Worth signing up for
Reviewed by Chicky
Good card, low annual fee, and no rewards/benefits
Reviewed by Sarah
Obviously the best choice
Reviewed by Carver
The most important think for me is the trust
Reviewed by Zuzka
Suited me and my needs
Reviewed by Dean
Happy with my card
Reviewed by Kerry
Very pleased with my card
Reviewed by Wendy
Great first credit card for students working
Reviewed by Gen
This card is pretty good
Reviewed by Anonymous
Get your debt under control
Reviewed by Jules
Very pleased with card
Reviewed by leslie
My preferred bank
Reviewed by Maureen
Bank is looking after me
Reviewed by Wilky
Use it for cashflowing
Reviewed by Member
Easy money
Reviewed by Don
Changed over
Reviewed by marianrose
Best card I've had
Reviewed by Sarah
Easy to use and manage
Reviewed by Marina
Very happy
Reviewed by Danielle
Had this credit card for 8 years
Reviewed by Ann-Marie
Handy to have as a back up
Reviewed by Julsy
It's just okay
Reviewed by Jonathan D
Trust my Visa card
Reviewed by John Tognola
Reasonable and good introductory card
Reviewed by Marie Divers
Same as the rest, but secure
Reviewed by Steve
Easy to use and linked with online banking
Reviewed by Crystal
ANZ Visa
Reviewed by Anon
Generally quite pleased with this card
Reviewed by Lyn C
A card for convenience
Reviewed by Sumita K
Fairly pleased with this card
Reviewed by Debbie Cantwell
Love the different colours and ease of use
Reviewed by Jess
Always reliable
Reviewed by N/A
Pleased with my decision to apply for this card
Reviewed by Daiva
Pleased
Reviewed by Raj
Fees and charges
Reviewed by Deanna
Intrest free roll over period was great
Reviewed by Emma
Convenient accessibility
Reviewed by Magicabbie
Good to assist in savings and in emergencies
Reviewed by Shaun Payne
I save money with this card
Reviewed by Anon
Only ANZ
Reviewed by Shannon
Good customer service with ANZ
Reviewed by Kayla
Great for balance transfers
Reviewed by Kelsey Gibson
This is a decent value credit card
Reviewed by Gaurav
Handy for emergencies
Reviewed by Jamie
A good, safe, no-frills credit card
Reviewed by Jen
Look no further than ANZ when looking to bank
Reviewed by Lisa
New card
Reviewed by Karen
Great customer service!
Reviewed by Matt
Average card
Reviewed by Ester
Simple, no frills credit card
Reviewed by Peter
ANZ First Visa Credit Card
Reviewed by Max
Accepted in more places
Reviewed by Geoffrey
It suits my needs ok
Reviewed by Carolyn
Easy to use credit card
Reviewed by Vicky
Very easy to get and convenient
Reviewed by Noah
Makes life easier
Reviewed by George
First days free
Reviewed by Jason
Fees and interest rates are low
Reviewed by Michael
More than satisfied
Reviewed by Latisha
Wrong for me
Reviewed by Zohair
Lower fees would be nice
Reviewed by sosefina
Convenient automatic payments
Reviewed by John
Useful safety net
Reviewed by Christopher
I control the card
Reviewed by Anthony
I find this card very convenient and easy to use
Reviewed by Laura
Low annual fees with first few weeks free
Reviewed by Harpal
Good first credit card, features and value
Reviewed by Esther
Great balance transfer rate, low annual fee
Reviewed by Shaun
Convenient card, especially for travelling
Reviewed by Jenny
Easy to apply for when money was tight
Reviewed by Stephanie
First purchase was a nightmare
Reviewed by Pela
Convenient, but not as good as some other cards
Reviewed by Lisa
I was unsure, but it works well
Reviewed by Melissa
Trustworthy service, easy to use
Reviewed by Karen
Convenient, but high interest
Reviewed by Shirley
Visa cards seem to be more widely accepted
Reviewed by Kay
Unemployed, I got into heaps of debt
Reviewed by Lisa
Good, simple, no frills, low-cost, convenient
Reviewed by Jo
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