How to Apply for your ANZ First Credit Card
The ANZ First Credit Card serves as an excellent option whether you are new to using cards or are searching for something cheaper. You’ll have a sense of peace with acknowledged fraud protection and easy access online as well as via mobile banking services. Thus, this card would greatly work for daily expenses such as groceries, bills, and online shopping.
ANZ First Credit Card Benefits
With ANZ First Credit Card, cardholders can enjoy a wide range of benefits:
- Purchase Protection Insurance: When you shop using your ANZ First Credit Card, you’ll enjoy complimentary insurance coverage, including extended warranties and protection against accidental damage or theft of purchases.
- Installment Repayment Plans: The ANZ Instalment Plans provide an easy way to spread out your eligible credit card purchases over 3, 6, or 12 months, giving you more control over your budget.
- Debt Consolidation: By transferring balances from other credit or store cards (excluding ANZ), you can consolidate your debt into one convenient monthly repayment.
- Worldwide Usability: Confidently use your card across millions of locations globally, whether you’re shopping in-store or online.
- Convenient Account Monitoring: Easily track and manage your expenses through ANZ’s user-friendly online and mobile banking services.
- Variety of Payment Methods: Choose the payment option that suits your needs, whether paying upfront or setting up flexible installment arrangements.
- Cashback Rewards: Earn cashback when shopping with over 2,000 popular retailers via ANZ’s Cashrewards program.
- 24/7 Fraud Monitoring: ANZ Falcon monitors your transactions around the clock for suspicious activity and will notify you immediately if any unusual activity is detected to keep your funds secure.
- Digital Wallet Integration: Pay effortlessly using your ANZ credit card with a compatible mobile device, making transactions faster and more convenient.
- Enhanced Security: Your card’s built-in microchip provides added protection, making it more difficult for fraudsters to clone your card.
- $125 Cashback Offer: Get $125 back when you spend $750 on eligible purchases within the first 3 months of card approval.
- $0 Annual Fee: Enjoy no annual fee for the first year, giving you more value upfront.
What You Should Have to Apply
To apply for an ANZ First credit card, you’ll need to:
- Have at least 18 years old
- Be an Australian or New Zealand citizen, permanent resident, or have more than 12 months left on your visa
- A good credit rating can improve your chances of approval
Who is this card for?
The ANZ First Credit Card is ideal for individuals seeking affordability and flexibility. It suits new credit card users or those who want to avoid high fees, with a $0 annual fee in the first year and $125 cashback after spending $750 in the first three months.
The card offers installment repayment options, global acceptance, and strong security features like 24/7 fraud protection and a microchip for added safety.
It’s perfect for users who value convenient digital payments, cashback rewards, and easy account management through online and mobile banking.
Step by Step to Apply for the Card
To apply for the ANZ First Credit Card, follow these steps:
- Visit the ANZ First Credit Card official website
- Before starting your application, review the credit card details and eligibility requirements
- If everything is okay, press the “How to Apply” button and follow the instructions provided by the Bank
- After that, fill out the application form with your personal and financial information
- Review the information provided to ensure accuracy
- If everything is correct, submit your application form
- In a few days, ANZ will inform the decision about your application, if you’re approved in a few days the bank will send the card to the address provided
ANZ First Credit Card Pros and Cons
See below the pros and cons of this card, and evaluate them to make an informed decision.
Pros
- $0 annual fee in the first year
- $125 cashback after spending $750 within 3 months
- Installment plans for flexible repayments (3, 6, or 12 months)
- Global acceptance for in-store and online purchases
- 24/7 fraud protection with ANZ Falcon
- Digital wallet compatibility for easy, contactless payments
- Complimentary purchase protection and extended warranty insurance
Cons
- No rewards program (ANZ Rewards or Qantas Points not available)
- Higher interest rate on purchases compared to the ANZ Low Rate card
- Not ideal for long-term debt if only minimum repayments are made due to interest accumulation
ANZ First Credit Card Fees and Tariffs
The ANZ First Credit Card is designed to be a low-cost option for cardholders, but it’s important to understand the fees and tariffs associated with using the card. One of its most appealing features is the low annual fee of $30, which makes it one of the most affordable credit cards in the market.
However, while the card offers affordability in terms of fees, it comes with a Standard interest rate of 20.99% p.a. on purchases, 21.99% p.a. on cash advances, and 21.99% p.a. on balance transfers.
Additionally, you can enjoy up to 55 days interest-free on purchases, providing more freedom to make purchases. Also, you can have access to at least $1000 of credit limit.
Customer Service
Here are the official ANZ Bank channels for assistance related to the ANZ First Credit Card
- ANZ Official Website
- Phone numbers:
- For inquiries within Australia: 13 22 73 or 13 13 14
- For international inquiries: +61 3 9683 9999
- ANZ Internet Banking: Login to ANZ Internet Banking
- ANZ App: You can download the ANZ App for managing your card:
- Customer support page: ANZ Support Centre
For any additional queries, these channels will provide the necessary support to help you with your card management and other banking needs.
