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ANZ First Credit Card
ANZ First Credit Card
CREDIT CARD
Visa

ANZ First Credit Card

4.25 of 5
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💵
Annual fee
Free
💰
Minimum Income
No Minimum Income
💳
Number of Installments
Up to 12x
🎖
Score Level
· Medium
HOW TO APPLY

In a market flooded with flashy credit card offers, sometimes the most appealing option is one that doesn’t try too hard. The ANZ First Credit Card is like that reliable friend who’s always there when you need them, dependable, straightforward, and never overcomplicates things.

If you’re looking for a card that keeps your finances in check without the bells and whistles, you might just have found your perfect match.

Why the ANZ First Credit Card Stands Out

What makes the ANZ First Credit Card a standout? It’s all about balance, giving you the essentials you need without overwhelming you with features you’ll never use.

Let’s start with the $0 annual fee in the first year. That’s right, you can enjoy the benefits of this card without paying a dime for the first 12 months. After that, the fee remains low at just $30 per year, making it one of the most affordable options on the market. This means more of your money stays in your pocket, where it belongs.

But affordability isn’t the only thing this card has going for it. The complimentary insurance coverage adds a layer of security to your purchases.

Ever had something break down just after the warranty expired? With the Extended Warranty Insurance, you get an extra cushion of protection. And if you’re prone to accidents (aren’t we all?), the Purchase Protection Insurance ensures that your items are covered if they’re damaged or stolen within a certain period after purchase.

Another feature that makes this card shine is its digital wallet compatibility. In today’s world, convenience is key, and being able to pay with a quick tap of your smartphone is a game-changer. Whether you’re grabbing a coffee or picking up groceries, you can leave your wallet at home and pay securely with your mobile device.

Plus, if you’re someone who likes to spread out payments, the ANZ Instalment Plans allow you to break up those bigger purchases over several months. It’s a flexible way to manage your finances without the stress of paying everything upfront.

The Legacy Behind the Card

When you carry the ANZ First Credit Card, you’re not just holding a piece of plastic, you’re connecting with a rich history. The Australia and New Zealand Banking Group (ANZ) has been a pillar of the financial community for over 180 years. That’s right, long before smartphones and digital wallets, ANZ was pioneering financial services across Australia and beyond.

One interesting tidbit from ANZ’s storied past is their trailblazing move to open a branch in the Pacific, becoming the first Australian bank to do so.

This early expansion laid the groundwork for ANZ’s strong presence in the Asia-Pacific region today, demonstrating the bank’s commitment to growth and innovation. With a card backed by such a legacy, you can trust that your finances are in good hands.

Who’s This Card For?

So, who exactly should consider adding the ANZ First Credit Card to their wallet? It’s ideal for those who appreciate simplicity and value. If you’re new to credit cards, this is a fantastic starting point, it’s easy to understand, with clear terms that won’t leave you scratching your head.

This card also caters to the budget-savvy. If you’re someone who doesn’t want to be bogged down by high annual fees or complicated rewards programs, this card fits the bill. It’s designed for everyday spending, making it perfect for those routine purchases that keep your life running smoothly.

On the other hand, if you’re after luxury perks or extensive rewards, this might not be your best match. But if you’re looking for a card that’s reliable and gets the job done without fuss, the ANZ First Credit Card is hard to beat.

A Simple Choice for Smarter Spending

If you’re intrigued by the idea of keeping things simple while still enjoying valuable benefits, it might be time to take action. Tap the button below and discover the easy steps to apply for your ANZ First Credit Card. The process is straightforward, and you can get started from the comfort of your home. Why wait? Simplify your finances today.

Fees

PURCHASE INTEREST RATE

20.99% p.a.

OTHER FEES

- Cash Advance Rate: 21.99% p.a.
- Interest-Free Days: Up to 55 days if paid in full.

SOURCE

ANZ Official Website

Expert Analysis

The ANZ First Credit Card offers affordability and essential features, making it a smart choice for everyday spending without the hassle of high fees.

HOW TO APPLY

+ Positive Points

- Enjoy no cost for the first 12 months.
- Only $30 per year after the first year.
- Extended Warranty and Purchase Protection.
- Easy mobile payments on the go.

- Negative Points

- High purchase interest rate.
- Lacks cashback or points incentives.
- Basic features.
- Lacks benefits like airport lounge access or travel insurance.

Expert Evaluation

Fees
4,50
Benefits
4,00
Final Score
4,25

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Annual fee
Annual fee
Free
Annual fee
Free
Annual fee
$ 30,00
Minimum Income
Minimum Income
No Minimum Income
Minimum Income
No Minimum Income
Minimum Income
No Minimum Income
Number of Installments
Number of Installments
Up to 12x
Number of Installments
Up to 12x
Number of Installments
Up to 12x
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Coverage International International International
Rating Level
Rating Level
Medium
Rating Level
Medium
Rating Level
Medium
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