---
title: "ANZ First — ANZ"
description: "Credit & Charge Cards from ANZ. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/anz/products/1f9a67ea-8fda-cab0-e9d3-7ab9d0627545
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-22T08:00:00.000Z
---

# ANZ First — ANZ

> Credit & Charge Cards from ANZ. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

A simple everyday credit card with a low ongoing annual fee

## At a glance

- **Purchase rate:** 20.99%
- **Annual fee:** $30.00

## Apply

Applications are handled by the provider: [Apply at ANZ](https://www.anz.com.au/personal/credit-cards/low-annual-fee/first/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Rates are subject to change) | 20.99% | — | — |
| Cash advance (Rates 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.) | 21.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Account Service — Charged yearly | Ongoing | $30.00 |
| 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 Cash Advance Fee that may be charged). Overseas Transaction Fees are not charged on ANZ Rewards Travel Adventures Credit Cards. See your letter of offer for details (including how we calculate the fee and when it applies). | Purchase | 3.5% of transaction |
| Over Limit 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 before 18 June 2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit. The Overlimit Fee is only charged once in any statement period and isn’t charged if you hold an ANZ Access Basic Account. · Discount −$0.00 — 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) Your account was opened before 18 June 2012 and you have asked us to decline transactions (in most cases) that will take you over the credit limit; or (2) Your account was opened on or after 18 June 2012 and at the time the Informal Overlimit amount is provided you have not consented, or you have withdrawn your consent to being charged an Overlimit Fee (unless you are charged an Overlimit Fee in accordance with paragraph A in respect of an earlier Informal Overlimit amount). (eligibility: Pension recipients: 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) Your account was opened before 18 June 2012 and you have asked us to decline transactions (in most cases) that will take you over the credit limit; or (2) Your account was opened on or after 18 June 2012 and at the time the Informal Overlimit amount is provided you have not consented, or you have withdrawn your consent to being charged an Overlimit Fee (unless you are charged an Overlimit Fee in accordance with paragraph A in respect of an earlier Informal Overlimit amount).) | Event | $20.00 |
| Priority Fee — We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. | Event | $50.00 |
| 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. | Event | 3% of transaction |
| Installament 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 fixed amount or calculated as a percentage of the balance being transferred to the Instalment Plan). | Other | Variable |
| Cash Advance Fee — Additional Info 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 are Cash Advances are described in ANZ’s Credit Cards Conditions of Use. We charge a 3% fee, subject to: • a maximum fee of $20; and • a minimum fee of $3. See your letter of offer for details as to how we calculate the fee. For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. · Discount −3% of transaction — For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia. (eligibility: Other: For ANZ Rewards Travel Adventures cards, we won’t charge a Cash Advance Fee on cash withdrawals made from a branch or ATM located outside Australia.) | Cash advance | 3% of transaction |
| Late Payment Fee — 1 · 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 are not charged if you hold an ANZ Access Basic Account · Discount −$20.00 — Late Payment Fees are not charged if you hold an ANZ Access Basic Account (eligibility: Other: Late Payment Fees are not charged if you hold an ANZ Access Basic Account) | Late payment | $20.00 |

## Features

- **Additional cards** — up to 3 (Up to 3 Additional cardholders, (at no additional cost).)
- **Insurance included** — Purchase Protection Insurance
- **Insurance included** — Extended Warranty Insurance
- **Interest-free period** — 55 days (Up to 55 days interest free days on purchases)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital wallet** — Fitbit Pay
- **Digital wallet** — Garmin Pay
- **Digital banking** (Access using ANZ Internet Banking or ANZ App)
- **Bill payment (BPAY)** — BPAY
- **Balance transfers**
- **Fraud protection** (ANZ Falcon provides 24/7 anti-fraud protection. If we identify any unusual transactions, we’ll contact you to help protect your money.)
- **Instalment plan** ("From 2 December 2025, ANZ Instalment Plans will no longer be offered on eligible ANZ Credit Cards. From this date, customers will not be able to set up new ANZ Instalment Plans for eligible credit card purchases or balances.

If you have an active ANZ Instalment Plan as of 2 December 2025, it will not be affected by this change. You can continue to view and manage your active ANZ Instalment Plans and make instalment payments via the ANZ App.")
- **Interest-free transfers** — 18 months (This offer applies to existing ANZ credit cards only.
0% p.a.
Balance 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
Reverts to the standard balance transfer rate, currently 21.99% p.a. after 18 months. Existing customers only. T&Cs and eligibility criteria apply. The standard balance transfer rate of 21.99% p.a. is current as at today's date and is subject to change.

If the promo code is not included in the application form, then the standard balance transfer rate may apply. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use.)
- **Cashback offer** — 220 ($220 back to your new ANZ First credit card when you spend $1,500 on eligible purchases in the first 3 months from approval. 

T&Cs, eligibility criteria, fees and charges apply (including an annual fee, currently $30).)

## Eligibility

- **Minimum age** — 18 years (You must be 18 years of age or older to apply)
- **Residency status** — be an Australian or New Zealand citizen, permanent resident or have more than 12 months left on your visa

## Constraints

- **Minimum limit** — $1,000.00

## More information from ANZ

- [Overview](https://www.anz.com.au/personal/credit-cards/low-annual-fee/first?CID=af:obank:tv)
- [Terms & conditions](http://www.anz.com/auxiliary/rates-fees-terms/fees-terms-conditions/?CID=af:obank:tv)
- [Eligibility](https://www.anz.com.au/personal/credit-cards/low-annual-fee/first/?CID=af:obank:tv#eligibility)
- [Fees & pricing](https://www.anz.com.au/personal/credit-cards/low-annual-fee/first/?CID=af:obank:tv#rates)

## Data provenance

- Published by ANZ under the Consumer Data Right
- Product ID: `1f9a67ea-8fda-cab0-e9d3-7ab9d0627545`
- Last updated by the provider: 22 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/anz/1f9a67ea-8fda-cab0-e9d3-7ab9d0627545
- Provider page: https://www.cdrcompare.au/brands/anz
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000006

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/anz/products/1f9a67ea-8fda-cab0-e9d3-7ab9d0627545) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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