ANZ First Visa Card – Details and Application
Related Products
The ANZ First Visa offers plenty of benefits and security for cardholders. This can mean you’ll still have access to the convenience of credit card payments without the high associated cost of annual fees.
| Product Name | ANZ First Visa Credit Card | |
|---|---|---|
| Balance Transfer Rate | 0% p.a. for 9 months | |
| Interest Rate on Purchases | 19.39% p.a. | |
| Offer end date | 30 June 2013 | |
| Annual Fee | $30 p.a. | |
| Interest Free Period | up to 44 days | |
| Interest Rate on Cash Advances | 20.99% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $15,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | Visa | |
| Late Payment Fee | $20 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
- Low annual fee of $30 p.a.
- Up to 44 days interest free credit on purchases
- 19.39% p.a. on purchases and 20.99% p.a. on cash advances
- 24/7 ANZ Falcon security protection
- Design your card by simply loading your favourite image or choose from a library of images
- Visa card acceptance at over 24 million locations worldwide
- Up to 12 months extended warranty on goods purchased using the card, as well as purchase security insurance which insures eligible items purchased with the card for up to 90 days.
- Online security guarantee means you won’t be liable for unauthorised fraudulent internet purchases
- Three additional cardholders at no extra cost
- Visa Entertainment providing you with access to special events, exclusive merchandise packages and home entertainment products
- 0% p.a. for 9 months on credit balance transfers from a non ANZ credit or store cards to the ANZ First Visa. New applications only.
The application process
Applying for the First Visa can be carried out online, at a branch or over the phone. Once approved you will usually receive your card within five business days.
All applications are subject to ANZ’s credit approval criteria. Terms and conditions are available on application. Fees and charges apply.
Read the ANZ First Visa Credit Card terms and conditions.
| Minimum Income | $15,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $15,000 |
| Annual Fee | $30 p.a. | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $20 | |
| Over Limit Fee | $20 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $4 | |
| Foreign Currency Conversion Fee | 3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 3 |
Pros
- The annual fee of just $30 is one of the lowest in the market for cards that have an annual fee.
Cons
- For a card with low fees, there are better options. For someone looking for no annual fee - they're better off going with a 'no annual fee credit card'.
- The interest rate on purchases of 19.39% is high compared to other cards in this price bracket.
- There are only 44 interest free days on purchases compared with 55 with most other cards and there is no interest holiday on purchases when you first get this card.
Read the ANZ First Visa Credit Card terms and conditions.
Was this content helpful to you? No Yes
Ask a Question About This Card
13 Responses to ANZ First Visa Card – Details and Application
Credit Cards Comparison
* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.
I used to be an ANZ customer but I changed over the Westpac. Although this credit card is making me think I should go back!
Hi just wondering if i would be eligible for this card? I attend university full time but receive $19,990 per year. This is made up of centrelink and twice yearly scholarship payments of $6,000. I turn 18 in a months time. Thank you
Hi Stephen. In the time it’s taken me to write back, you would have turned 18 — Happy Birthday!!!! So, to apply online, you will need to put down an employer and income — best to speak to a lender directly to give yourself a better chance of approval. Every time you apply for credit, it gets marked down as an enquiry on your credit file — too many of these in a short space of time and you shoot yourself in the foot — warning signs for potential lenders. Thanks.
Do you have to have a full time job to be eligible
Hi Helen. No you don’t have to be employed full time to be eligible for a credit card. If you can meet the minimum income requirement for a credit card (in addition to the other application criterion) you shouldn’t have any issues. Jacob — sorry for the delayed response.
Hi there.
I have been in the country for a year on a 457 visa now.My application for permanent residency has been processed and should be finalised soon.
Do I qualify for the ANZ first Visa Credit Card?
Hi Ryan. Thanks for your question. Temporary residents are open to apply for ANZ credit cards if they have a 457 Visa, and it extends for nine months after your application. People on a student visa can also apply, but the maximum credit limit is $500 or $1,000 and you must have more than five months of your visa remaining. If you’re in the process of becoming a permanent resident, there shouldn’t be any issues if you meet the other criteria. Cheers.
hi
i am a student, and gain centrelink but at the same time i am working, but don’t get pay slips as i get cash in hand
will this be a problem?
Hi Timothy. Thanks for your question. You will need to prove that you’re earning a certain amount by providing payslips. If you can’t provide these documents to show you meet the minimum income requirement you will not be eligible for this card. Cheers.
I have no referee to offer does that rule me out.
Regards.
Hi Peter. Thanks for your question. You will need to list a referee in case the lender can’t get in contact with you. You will also need to list your employers contact details – so you can double up there if you don’t have a referee. Jacob.
Hi,
I am international student who has sponsorship with regular monthly income ( in my Australian account ) from the overseas sponsor. Can I apply for this card?
Thanks,
Bahjat
HI Bahjat. Thanks for your question. In order to apply for this card you need to be a permanent Australian resident. Please check this page for a list of providers that make their cards available to temporary residents. Jacob.