ANZ Credit Cards With No Annual Fee
If you are looking for a credit card without an annual fee, you may want to investigate the ANZ no annual fee credit card, which is called the ANZ First Visa. You should be aware, however, that this offer is not an ongoing offer, but only applies to the first year.
ANZ First Visa Credit Card
The ANZ First Visa is the perfect credit card for those looking for a simple low fee credit card to make everyday purchases on provided you repay your balance in full each month. This card features a low annual fee, 44 days interest free and the flexibility to add up to 3 additional cardholders for free.
- $30 annual fee
- 0% p.a. for 3 months (reverts to 19.24% p.a.) on purchases
- 0% p.a. for 3 months on balance transfers
- Cash Advance Rate of 20.99% p.a.
- 44 days interest free
- Minimum Income Requirement of $15,000 p.a.
- 12 months extended warranty on purchases made with your card
These are the features of the ANZ no annual fee credit card so you can assess whether it is the right card for you.
Features of the ANZ First Visa no annual fee credit card:
- $30
annual fee - 0% p.a. for 3 months
on balance transfers - Up to 44 days interest-free credit on purchases
- 0% p.a. for 3 months (reverts to 19.24% p.a.) interest on purchases and 20.99% p.a. on cash advances
- Twenty-four hour ANZ Falcon security protection
- Design your own card by uploading your favorite image, or choose from ANZ’s library of images
- Visa card acceptance at over 24 million locations worldwide
- Extended Warranty and 90-day Purchase Security Insurance
- Online security guarantee means you won’t be liable for unauthorized fraudulent internet purchases
- Three free additional cardholders
- Visa Entertainment, which provides access to special events, exclusive merchandise packages and home entertainment products
This ANZ no annual fee credit card is perfect for easy approval and as a student credit card.
About no annual fee credit cards:
There is sufficient competition within the credit card market at the moment that a no annual fee credit card does not mean a no other feature credit card. Many credit cards now offer many attractive features right across the board. This is great for the consumer as it gives them the choice they need to make the right application.
A no annual fee credit card will not suit everyone. Some high earners will be happy to pay an annual fee because it will open up Gold and Platinum card territory, where they can enjoy a higher credit limit and other associated perks.
Most of us, however, will be happy to avoid paying $50 or so each year, especially if we do not plan to make many transactions on the card because we only really have it for emergencies. Paying for something you rarely use is pretty galling. The only potential problem is that the regular APR on these cards ranges for 16% to 20%, which is in the higher bracket. You will need to assess whether saving on the annual fee is worth the higher price you may have to pay in interest should you not manage to keep a clear balance throughout the year.
Whether you choose the ANZ no annual fee credit card or some other, make sure you do some comparisons first. In a recent survey, only 6% of Australians said they bothered to check out a credit card comparison site before making a credit card application. Around 50% only applied to their own bank. There are some excellent deals out there, and you may not have to compromise on very much to avoid paying an annual fee.
Read the official terms and conditions
| Minimum Income | $50,000 | Minimum Age | 18 years of age |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $6,000 | Max Credit Limit | $50,000 |
| Annual Fee | $0 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | Purchase Date |
| Late Payment Fee | Over Limit Fee | ||
| Overseas Emergency Replacement | Overseas ATM Balance check | ||
| Overseas ATM Withdrawal | Foreign Currency Conversion Fee |
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