ANZ
ANZ First
ANZ · cred and chrg cards
Provider last updated this product 2026-09-27.
Go to provider
You'll complete your application on
ANZ's website. Confirm the rate and fees with them
before applying.
A simple everyday credit card with a low ongoing annual fee
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 22.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Rates are subject to change | |||||||
| CASH ADVANCE | 23.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| 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. | |||||||
| BALANCE TRANSFER | 23.49% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Rates are subject to change | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Account Service | PERIODIC | $30 | - |
| Overseas Transaction Fee | PURCHASE | 3.50% | 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). |
| Overlimit Fee | EVENT | $20 | 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2012, you have not opted out of the overlimit fee, or if you have opted out, you have since consented), and have not withdrawn that consent, at the time we allow the overlimit.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. |
| Priority Fee | EVENT | $50 | We charge a Priority Fee if you ask us to issue and deliver a card and/or PIN mailer as a priority. |
| Balance Transfer Fee | EVENT | 3.00% | 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. |
| Installament Plan Fee | OTHER | - | 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). |
| Cash Advance Fee | CASH_ADVANCE | 3.00% | 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. |
| Late Payment Fee | LATE_PAYMENT | $20 | 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 |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-27 | 20.99% |
| 2026-09-28 | 2026-09-30 (current) | 22.49% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18You 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
Limits
- min limit - 1000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-27T16:00:00.000Z · Product ID: 1f9a67ea-8fda-cab0-e9d3-7ab9d0627545