ANZ First

Even after I told ANZ that I needed urgent medical supplies for my mother today, they refused to lift the restrictions on purchases. Shame on you ANZ. Thanks for nothing

Really good card. I started off with Westpac and switched to ANZ as they had Apple Pay. Very similar to other entry level cards but it’s perfect for wanting a low limit for everyday use and pay it off at the end of the month. Love not having to keep transferring money for bills

This was the first credit card I ever had. It was a good beginner card as it has low fees/interest and it is catered for low income earners (15k I recall) as well as pensioners and students who if had applied for another card would not have met the income threshold. It has nicely detailed bills which explain the minimum monthy repayment which is always good to have worked out for you by the bank but it also the option to pay your balance in full.
Another perk is the starting limit on the card itself is $1000 which is enough to start off with. The limit increases in due time as you show the bank that you can maintain a consistent repayment of the cards account and also for extra income etc.

Great. The whole family uses ANZ. Never had a problem and simple to use with payment services like Paypal.
I use it for everything from paying bills, to shopping and even ordering Pizza.

dont use it overseas nor balance transfers. got it at 18 as my first credit card - low annual income needed and super low fee. heard new changes have been made to it increasing the interest fee period from 44 days to 55 days. integrates well into the mobile app.

i just use it in Australia and it is very convent for me to use that i do not need to take any cash I recommend u to use it

been with the anz for over 13 years love this card i have no fees with my act had no late fees or interest charged the anz staff been very friendly and helpful joined when i lived in fremantle in pert western australia I'm very happy and will stay with the anz I've probably jinxed myself now

Not a bad product once you get past the initial application stage. Very poor customer service, had to send my payslips to verify multiple times only to be told that they never received them? Took me at least a month to get it all sorted and it wasn't until I actually went into a branch that I was able to activate my card. Very unhelpful customer service team.

I have
- really good income
- Property value is way more than mortgage amount
- 2 dependents with wife having a job
- Recently closed Amex platinum rewards card
Got rejected without any reason, received reply in hours and when I called they did not give any specific reason

Anz is really crap not only in their service but also in their analytics.
Lucky I was going to move my home loan with them ....never!!!

This was the first credit card I ever got and I have to admit it got me hooked. The ability to get those extra things you might not need but want before you can really afford them is just too tempting. Good if you can pay to zero each month but otherwise save instead.
Low Annaul Fee, interest rate similar to most bank credit cards. Main thing I liked was that I was able to get one as I was a poor student at the time of getting it and it helped out a lot at the time.
As with all credit cards it's just too tempting to buy things right away and then you're paying interest on your purchases.

This was my first credit card I got not long after I turned 18. The annual fee was low, provided the balance was paid off every month there was no problems with the interest rate. This is a great credit card for those just starting out but if you don't pay the balance off every month you are going to get stung with interest charges.
The annual fee is very low, the convenience of having a Visa, great customer service
The card did not last to long, lack of ATM's outside of a metropolitan area could have been a problem

I don't find this credit card attractive. For a transactor who pays full balance every month, this card doesn't give reward points while still charging annual fee. For a revolver card holder, it charges a relatively high 17.49% interest rate. On top of that, it only give max 44 days interest free period. If you would like to try because of free annual fee in the 1st year, it’s better to try Woolworths everyday money.
Can be linked to ANZ access account (1 card for both credit card and transaction card). Gives 90-day Purchase Security Insurance. Zero annual fee in the first year
Max 44 days interest free days (normal standard 55 days). Annual fee $30 starting on the 2nd year. No free reward program

The ANZ First Visa credit card offers the advantage of a full-featured credit card with a low annual fee (which is further reduced if the card is linked to an ANZ Access account). The card offers purchase protection insurance (some limits apply) and a rewards program (for a further fee). The card has an unusual magnetic strip which is often incompatible with automatic payment machines (such as those found in car parks) which can cause considerable inconvenience. The card is good value, but still far from the best on the market.
Low annual fee, purchase protection insurance, rewards program
Low quality magnetic strip

Overall I like this credit card, and what it has to offer. It has a highish interest rate, but not as high as some others available. I like the 55 interest free days, if used wisely you can really make use of it. It has a rewards programme that you can be a member of if you choose. There is also a wine programme you can become a member of if you wish. I like the 'Falcon' protection which is also offered with this card. It came in handy when my card was used fraudulantly, I was contacted very quickly. Overall, I have nothing but good things to say about ANZ and this credit card.
55 days interest free, 'The Falcon' protection
Highish interest rate