How to apply for your ANZ First Credit Card

The ANZ First Credit Card is designed for individuals who prefer a simple and low-fee credit card. It provides interest-free days, fraud protection, and digital payment compatibility. This guide will walk you through the benefits, requirements, fees, and application process of this card.

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Benefits of ANZ First Credit Card

Benefit 1: Low annual fee

The ANZ First Credit Card offers an affordable annual fee, making it a great option for those looking for a budget-friendly credit solution. Many other credit cards charge upwards of $100 annually, making this card a cheaper alternative.

The ANZ First Credit Card offers one of the most affordable annual fees in the Australian market, at just $30 per year. This makes it a great option for individuals looking for a functional credit card without the burden of high yearly costs. In addition, ANZ frequently offers $0 annual fee in the first year, making it even more attractive for first-time cardholders or those switching from other providers.

Benefit 2: Up to 55 interest-free days

Cardholders can enjoy up to 55 interest-free days on purchases when they pay the full balance by the due date each month. This feature helps avoid high interest costs, making it easier to manage finances effectively.

It is particularly useful for individuals who want to use their credit card for planned expenses but do not want to accumulate debt.

Benefit 3: Purchase protection and extended warranty

Eligible purchases made with the card are covered by Purchase Protection Insurance, providing reimbursement in cases of loss, theft, or accidental damage. Additionally, the card includes

Extended Warranty Insurance, which automatically extends the manufacturer’s warranty on selected items.

These features add peace of mind for shoppers who want added security on their purchases. Terms, conditions, and exclusions apply.

Benefit 4: Flexible instalment plans

Cardholders can convert eligible purchases or outstanding balances into fixed instalment plans over 3, 6, or 12 months. This provides greater control over cash flow and helps users manage larger expenses without resorting to high-interest revolving debt. The instalments are clearly outlined, allowing for predictable payments each month.

Benefit 5: Contactless and digital payments

This card is compatible with Apple Pay, Google Pay, Samsung Pay,Fitbit Pay and Garmin Pay making it convenient for tap-and-go transactions. Through the ANZ mobile banking app, users can monitor spending, set budget alerts, and manage payments easily.

The ANZ mobile banking app allows easy transaction tracking. Customers can also set up auto-payments to ensure they never miss a payment deadline.

Benefit 6: ANZ Falcon Fraud Monitoring

Advanced fraud detection technology monitors spending patterns 24/7 and identifies suspicious transactions in real time. ANZ Falcon® ensures customers are quickly alerted if unusual activity is detected, helping to prevent unauthorized access and maintain confidence in using the card safely—especially for online and international purchases.

Benefit 7: Global Visa acceptance

The ANZ First Credit Card is accepted worldwide, making it a useful financial tool for travelers. It provides easy access to payments in various currencies and allows cardholders to withdraw cash from ATMs internationally.

Who is this card for?

The ANZ First Credit Card is ideal for:

• First-time credit card users.
• Budget-conscious individuals.
• Those looking for basic credit features without premium fees.
• Individuals who need a backup credit card for emergencies.

Positives and negatives of ANZ First Credit Card

Positives

• Affordability: The low annual fee makes it a cost-effective choice for users who need a simple credit solution.
• Security: Strong fraud protection mechanisms ensure safe transactions and prevent unauthorized use.
• Convenience: Digital wallet compatibility makes it easier for cardholders to pay on the go.
• Easy application process: A quick and straightforward online application allows users to get approved fast.
• Interest-free period: Up to 55 interest-free days help manage finances effectively.

Negatives

• High interest rates: If the balance isn’t cleared monthly, the high interest can be costly.
• Limited perks: Lacks travel insurance and additional benefits.
• Foreign transaction fees: A 3,5% charge applies on international transactions.
• Basic features: The card is ideal for essential transactions but not for maximizing rewards.

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Step-by-step guide to applying for the ANZ First Credit Card

If you’re interested in applying for the ANZ First Credit Card, follow this step-by-step guide to ensure a smooth application process.

1. Visit the ANZ website

Start by visiting the official ANZ credit card webpage to access the latest details about the ANZ First Credit Card.

• Go to the official ANZ website.
• Navigate to the Credit Cards section.
• Search for “ANZ First Credit Card” and click on the relevant link.
• Review all features, benefits, and fees associated with the card before proceeding.

2. Check eligibility

Before applying, ensure you meet the necessary eligibility requirements set by ANZ. These include:

• Age requirement: You must be at least 18 years old.
• Residency status: You should be an Australian citizen, permanent resident, or have a valid visa.

In addition, having a stable source of income can help you qualify and be approved, as can having a good credit score. You can check your credit score through credit bureau platforms. Before you apply, it is essential to read the specific eligibility requirements on the website and the terms and conditions information, as well as possible exclusions of some features.

3. Complete the online application

Once you confirm your eligibility, proceed with the online application process:

• Click the “Apply Now” button on the ANZ First Credit Card page.
• Fill out the application form with the required details, including:
  • Personal information: Full name, date of birth, and contact details.
  • Residential information: Current address, living arrangements, and duration of stay.
  • Employment details: Job status, employer name, and income level.
  • Financial information: Existing debts, assets, and monthly expenses.
• Ensure all details are accurate and up to date to avoid delays in processing.

ANZ may also request additional documents to verify your financial situation, such as:

• Payslips or bank statements to confirm income.
• Proof of identity such as a passport or driver’s license.

4. Submit the application

After completing the form, review all details carefully before submitting.

• Click the “Submit” button to send your application to ANZ for review.
• ANZ may conduct a credit check and assess your financial background.
• You may receive a call or email if additional documents or clarifications are needed.

The approval process usually takes a few business days, depending on the complexity of your application and ANZ’s verification process.

5. Receive your ANZ First Credit Card

If your application is approved, ANZ will send you a confirmation email, followed by your new ANZ First Credit Card via mail.

• The card typically arrives within some business days.
• Once received, you must activate it before use. This can be done through:
  • The ANZ app.
  • Online banking.
  • Calling the ANZ customer service helpline.

After activation, you can start using your card for purchases, payments, and accessing any applicable benefits.

Final tips for a smooth application process

• Double-check your documents before submission to avoid delays.
• Ensure your credit score is in good standing for higher approval chances.
• Review the terms and conditions to understand fees, interest rates, and benefits.
• Use ANZ’s eligibility checker tool (if available) before applying.

By following these steps, you can successfully apply for the ANZ First Credit Card and start enjoying its benefits.

Fees and tariffs

Find out the main fees for this credit card and review others here. https://www.anz.com.au/content/dam/anzcomau/documents/pdf/credit-card-fees-charges.pdf

• Annual fee: $30 (currently waived for the first year as part of a promotional offer).
• Purchase interest rate: 20.99% p.a.
• Cash advance interest rate: 21.99% p.a.
• Late payment fee: $20.
• Foreign transaction fee: 3% of the transaction amount.
  • Note: This will increase to 3.5% from 2 May 2025

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Customer support and contact details

• Telephone support for general enquiries: 13 13 14 (in Australia) and +61 3 9683 9999 (international contact).
• Card support: 1800 033 844 or +61 3 8699 6955 (from overseas).
• Website: ANZ Credit Cards. https://www.anz.com.au/personal/credit-cards/

Final thoughts

The ANZ First Credit Card is a great option for first-time cardholders and budget-conscious consumers. While it lacks premium rewards, it offers affordable fees, interest-free days, and robust security features. If you’re looking for a simple and secure credit card, this one is worth considering!