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The ANZ First credit card is an entry-level card designed for people building credit history. At $30/yr with a low income requirement, it is one of the most accessible cards from a major bank.
ANZ Credit Cards at a Glance
RewardsANZ Rewards Black
180,000 bonus pts, 1.5 pts/$1, $375/yr. Highest sign-up bonus in Australia.
Qantas PointsANZ Frequent Flyer Black
Up to 130k Qantas pts, 1 pt/$1, $425/yr. Direct Qantas earn + Status Credits.
CashbackANZ Cashback World
1% uncapped cashback on everything. $95/yr. No categories to track.
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Why the ANZ First credit card Stands Out
✓ What makes it worth it:
- Only $30 annual fee
- Low income requirement ($15,000)
- Good for building Australian credit history
- Up to 55 interest-free days
- Accepted anywhere Visa is accepted
✗ What to consider:
- 20.99% purchase rate — not low
- No rewards or cashback
- No complimentary insurance
- No sign-up bonus
- 3% foreign transaction fee
Verdict: Who Should Get This Card?
The ANZ First is a stepping stone — use it for 12-18 months to build credit history, then upgrade to a rewards or low-rate card. If you’re new to Australia, see the newcomers guide for all accessible options.
Ready to apply? Go directly to ANZ:
✓ Official ANZ website • ✓ Secure application • ✓ Takes 5-10 minutes
Can I get this card with no credit history? ▼
Yes — ANZ First is designed for people with limited or no Australian credit history. A stable income of $15,000+ is the main requirement.
Can I upgrade later? ▼
Yes — after 12+ months of good repayment history, you can request an upgrade to ANZ Rewards or ANZ Low Rate.
Is there a credit limit? ▼
Starting limits are typically $1,000–$5,000 depending on your income and circumstances.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the ANZ website before applying.
