ANZANZ First
A simple everyday credit card with a low ongoing annual fee
At a glance
- Purchase rate
- 22.49%
- Cash advance
- 23.49%
- Interest-free days
- 55
- Annual fee
- $30
- Foreign transaction fee
- 3.50%
- Balance transfer
- 0.00% for 18 mo
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 22.49% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.49%of 51 institutions | 50th lowest of 51 |
| Interest-free daysDays without interest on purchases when the balance is paid in full | 55 days | 62 daysBeyond Bank Australia's Low Rate Credit Card | 55 daysof 42 institutions | 2nd longest of 42, level with 30 others |
Rates
Every rate ANZ publishes for this credit card, 4 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transferRates are subject to change | - | - | - | 23.49% | - | - |
| Balance transferBalance Transfer rate for an 18-month promotional period on transfers from non-ANZ store or credit cards to your existing ANZ credit card with a 3% Balance Transfer Fee Offer applies to any existing… | - | 18 mo intro | - | 0.00% | - | - |
| Cash advanceRates are subject to change. The interest rate that applies to cash advances is currently equivalent to the interest rate that applies to standard balance transfers. | - | - | - | 23.49% | - | - |
| PurchaseRates are subject to change | - | - | - | 22.49% | - | - |
Rate changes
3 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 29 Sept 2026 | Balance transfer | 21.99% | 23.49% | up 1.50 |
| 29 Sept 2026 | Cash advance | 21.99% | 23.49% | up 1.50 |
| 29 Sept 2026 | Purchase | 20.99% | 22.49% | up 1.50 |
Each change is logged the night it appears in the rates ANZ publishes. See how every lender answered the RBA on the rate tracker.
Fees
8 fees published, grouped by when they're charged.
While you hold it1
- Account Service$30 a year
When you make a transaction2
- Cash Advance Fee
Any transaction on your account which is a Cash Advance attracts a fee. The fee applies even if your account has a positive balance. A Cash Advance is not just a cash withdrawal. Transactions which a…
3.50% of transaction - Overseas Transaction Fee
We charge 3.5% of any overseas transaction using your ANZ Credit Card. The amount on which the fee is charged may include fees and other charges related to the overseas transaction (excluding any Cas…
3.50% of transaction
If a payment is late or fails1
- Late Payment Fee
We charge a Late Payment Fee if you don’t pay the “Minimum Monthly Payment” plus any amount “Payable Immediately” shown on your statement by the “Due Date” shown on that statement. Late Payment Fees… Late Payment Fees are not charged if you hold an ANZ Access Basic Account
$20 1 days after it's due
When particular things happen3
- Balance Transfer Fee
We may charge a Balance Transfer Fee on any promotional Balance Transfer offers you accept in the future. Details of the fee will be set out in the terms of the offer.
3.00% of transaction - Overlimit Fee
We charge an Overlimit Fee if: • we allow you to exceed your credit limit so that a debit can be processed; and • you have consented to being charged the Overlimit Fee (or if your account was opened… You will not be charged an Overlimit Fee where ANZ provides you with an Informal Overlimit amount during the Statement Period and: - you hold an ANZ Access Basic Account; or - we determine that: (1)…
$20 - Priority Fee
We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority.
$50
Other fees1
- Instalment Plan Fee
We may charge an Instalment Plan Fee on any promotional Instalment Plan offers you accept in the future. Details of the fee will be set out in the terms of the offer (and may for example be for a fix…
Varies
Features
Eligibility and limits
- Minimum age 18
- Residency: be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa
- Amount from $1,000, no maximum
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Published by ANZ under the Consumer Data Right, last changed by them on 28 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.