ANZ First Visa

Rates, fees and features

• Interest rate of 19.99% p.a.
• Low $30 annual account fee discounted to $26 when linked to an ANZ Access Account.
• Up to 44 days interest free credit on purchases.
• Visa acceptance at over 24 million locations worldwide.
• Minimum credit limit of $1,000.
• Design your own Card



Design your card by simply loading your favorite image or choose from a library of images³.

View ANZ Terms and Conditions, Fees and Charges

For your $30 Low Annual Account Fee you will also enjoy:

• Worldwide emergency credit card replacement.
• ANZ Falcon™ provides advanced around the clock monitoring for suspicious transactions. So you can feel secure about purchases with your ANZ First Visa credit card online, overseas or over the phone.
• The flexibility to add up to 3 additional card holders to your account at no extra cost.
• 90-day Purchase Security Insurance covers most credit card purchases of personal items against loss, theft or accidental damage for 90 days from the item purchase date⁴.
• Extended Warranty covers most credit card purchases made with your ANZ First Visa credit card for up to 12 months from the expiry of the original manufacturer's Australian warranty⁴.
• Online Guarantee so you won't be liable for unauthorized or fraudulent internet purchases provided you did not contribute to the loss and have notified ANZ within a reasonable period of time of any suspected fraud or misuse of your ANZ First Visa credit card.
• Manage your credit card online or over the phone with our 24/7 Internet and Phone banking services. It's never been easier to manage your ANZ First Visa credit card.
• Visa Entertainment providing you with access to special events, exclusive merchandise packages and home entertainment products. www.visaentertainment.com.au

Optional Extras

ANZ Extras
As an ANZ cardholder, you have access to a range of exclusive products and services including eDine, ANZ Wine Club, ANZ Car Rental Cover & Secure Sentinel.

Once approved, you can expect to receive your credit card within five business days. Remember, you don't need to be an ANZ customer to apply for an ANZ First Visa credit card.

Useful credit card tools

Terms and Conditions, Fees and Charges | Credit card Calculator | Compare Credit cards | Transfer Credit card balances | Managing my Card

Terms and conditions are available on application. Fees and charges apply.
Standard variable interest rate is 19.99% p.a. as at Monday, 25 August 2008 and is subject to change.

¹Interest charged from date cash advance made. Fees and charges apply. Terms and conditions available on request.

²Not applicable when you transfer and close an existing ANZ credit card. The balance transfer must be completed at the time of applying for your new ANZ First Visa or at the time of activation of your new ANZ First Visa. The balance transfer rate reverts to the standard variable rate on your card after the first twelve months from the date of card approval and any balances that remain unpaid at the end of this period will become subject to the standard variable interest rate applicable to purchases. Interest accrues on balance transfers from the date the transfer is processed by ANZ.

³Subject to Image Guidelines and Terms and Conditions.

⁴Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 22 73.

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation (DUNS) ABN 074 664 715. ANZ's colour blue is a trademark of ANZ.