The ANZ First Visa Card was designed to help first time credit card owners build credit. Thus, this card doesn’t have any rewards programs or other additional features, though it does offer credit newcomers an attractive way to start creating a positive credit history.
Interest Rates, Fees & Charges
| Balance Transfer Rate |  |
0% p.a. for 3 months |
|---|---|---|
| Interest Rate on Purchases | |
0% p.a. for 3 months (reverts to 19.24% p.a.) |
| Annual Fee | |
$30 |
| Interest Free Period | |
up to 44 days |
| Cash Advance Rate | |
20.99% p.a. |
| Card Type | |
Standard |
| Minimum Income Requirement | |
$15,000 p.a. |
| Credit Card Type | |
Visa |
| Rewards Program | |
No |
ANZ First Visa Card Highlights
- 44 day interest free period
- Lower than average annual fee
- Security protection
- Warranty protection
This card is as clear-cut as it gets. Simple, basic, and yet efficient, the ANZ First Visa Card is truly ideal. A warranty protection plan and a security protection plan add to this appealing card.
Security Plans and Details
Most platinum credit cards offer cardholders a security protection and warranty protection plan free of charge the ANZ First Visa Card isn’t a platinum card. Yet, this card offers these invaluable plans anyway. These plans will help protect unauthorized purchases, suspicious transactions, and anything else of the kind, making it a solid card for any new card holder.
Annual fees begin at $0 for the first year, then $30 per year following the first year. Card holders who have an Access account may be eligible for a $26 per year fee. The interest rate on this card is somewhat higher than others at 0% p.a. for 3 months (reverts to 19.24% p.a.), but the high interest rate will help first time cardholders to learn how to handle credit responsibly.
The ANZ First Visa Card also allows users to choose a unique design with the ‚Äúdesign your own card‚Äù feature, and it comes with ANZ’s ‚ÄúWorldwide Emergency Card Replacement‚Äù program (your card can be replaced no matter where you happen to be).
Bottom-Line: It’s tough to build credit, but the ANZ First Visa Card makes building credit a lot easier. This card doesn’t come with a lot of extra perks, so seasoned cardholders may not be impressed with the First Visa Card.
However, this card proves to be more than suitable for any first-time cardholder. From a relatively low annual fee to luxury card protection programs, the ANZ First Visa Card should be considered by all credit newbies.
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