ANZ
Score $220 back when you spend $1,500 in 3 months. Just a $30 annual fee, 20.99% p.a. on purchases. Enjoy protection & interest-free perks.
The ANZ First credit card currently stands out for its simple value and accessibility. This offer features a $220 cashback to new applicants who spend $1,500 within the first three months. With its modest $30 annual fee, it is one of the lowest-cost cards you will find, making it inviting for anyone on a budget. The card charges 20.99% p.a. on purchases and has a $1,000 minimum credit limit, which is reasonable for first-time or light card users.
How to Apply for the ANZ First Credit Card
- Check that you’re over 18 and hold an eligible residency status.
- Gather income, expenses, assets, and ID details.
- Apply online through the dedicated application form.
- If needed, request a call back for more personal guidance.
- After approval, activate your card to start using the benefits.
Principaux avantages
The low annual fee is incredibly attractive for budget-conscious spenders, especially compared to typical card fees. Earning $220 back after reasonable spending is a strong perk for new cardholders.
Extended warranty and purchase protection insurance offer added reassurance when shopping, giving peace of mind for your purchases made on the card.
Possible Drawbacks
This card does not offer rewards points or Qantas Points. Therefore, it may not suit those who want to earn travel or shopping rewards on every spend.
The interest rate is relatively high, so it may not be the best option for those who usually carry a balance from month to month.
Verdict: Is the ANZ First Right for You?
If you’re seeking an entry-level card with low ongoing fees and a solid welcome bonus, the ANZ First is a worthy pick. Just make sure to pay off your balance in full each month to get the most value and avoid interest charges.
