Low annual fee credit cards

ANZ First Visa

A simple, straight forward, low annual fee credit card

 

2.9% p.a. on balance transfers for the first 12 months¹

An ANZ First Visa credit card may be suitable for you if you would like to:

• have a no frills, low annual fee credit card
• have 24/7 Falcon™ around the clock monitoring for suspicious transactions on your ANZ First Visa credit card.

Rates, fees and features

Additional features

Rewards and benefits

Interest rate on purchases

(View current rates)²

Interest rate on cash advances

(View current rates)²

Interest free days⁵ on purchases

Up to 44 days

Minimum credit limit

$1,000

Annual account fee

$30

• Design your own ANZ First Visa credit card by simply loading your favourite image or choose from a library of images using ANZ designmycard⁴.
• Worldwide emergency credit card replacement for your ANZ First Visa card.
• As an ANZ First Visa cardholder, you have access to a range of services including:
  • Secure Sentinel
  • eDine
  • ANZ Wine Club
  • ANZ Car Rental Cover.

• Flexibility to add up to three additional credit cardholders to your account at no extra cost.
• Extended warranty³ - double the manufacturer's expressed Australian warranty on goods by up to 12 months when the entire purchase is charged to your ANZ First Visa.
• 90-day purchase security insurance³ - insurance against loss, theft or breakage over a range of new personal items when the purchase is charged to your ANZ First Visa card.
• ANZ Visa payWave, a new contactless payment feature on the ANZ First Visa credit card allowing you to pay for purchases under $100 without swiping, signing, or entering a PIN at any participating merchants.
• Visa Entertainment providing you with access to special events, exclusive merchandise packages and home entertainment products www.visaentertainment.com.au.

• Compare credit cards with a balance transfer offer

How to apply:

Apply now

Call 13 33 33, Monday to Friday, 8am to 9pm (AEST) or Saturday and Sunday, 10am to 6pm (AEST)

Visit any ANZ branch

Once approved, you may expect to receive your low annual account fee credit card within five business days. You don’t need to be an ANZ customer to apply for ANZ First Visa credit card.

ANZ credit card application requirements:

• 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.

View ANZ terms, conditions, fees and charges

Terms and conditions are available on application. Fees and charges apply.

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

1. Offer available to new and approved applicants who apply for an ANZ First credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. The balance transfer interest rate commences from date of card approval and applies to non-ANZ balances transferred to your new credit card. Interest rate reverts to the standard variable interest rate applicable to purchases on your card after 12 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances for ANZ First, as at (View current rates) and is subject to change. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy). 

2. Standard variable interest rate is (View current rates) on purchases and (View current rates) on cash advances as at (View current rates) and is subject to change.

3. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 13 14.

4. Subject to ANZ designmycard Image Guidelines. Terms and Conditions available at www.designmycard.com.au.

5. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.

™ 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.