ANZ First

Good, simple, no frills, low-cost, convenient

If you’re the kind of spender who doesn’t like being in credit card debt and can pay your balance off each month, it’s an excellent product but beware the fees and interest if you’re late to pay! Always handy to keep in case of emergencies too (for example… your other bank is…

Unemployed, I got into heaps of debt

I stopped working and was left with a huge credit card debt. ANZ called me claiming they had been trying to reach me for a long time (but this was the first time they rang my mobile) and I had no other phone number. They organised a payment plan but continued to harass me every…

Visa cards seem to be more widely accepted

We have a credit card mainly for emergency use and it has come in handy from time to time. I would totally recommend this particular card type as it can be used anywhere in the world and at most businesses. Some businesses prefer Visa over other cards that are available to be…

Convenient, but high interest

It’s convenient because ANZ is the bank we do business with, and I can honestly say it probably has a higher interest than other competing banks,but I am too old to change now.I try not to use it too much, but being on the pension I need to use it. I would be happy if ANZ would…

Trustworthy service, easy to use

Generally this card is useful, as it is doubles as both a Visa and an EFTPOS card.The customer service linked to this card is very trustworthy and it’s easy to contact a real person to talk to. It’s easy to use for phone banking and transferring money between linked accounts.…

I was unsure, but it works well

I wasn’t sure if this would be the right thing for me at the start. I was a bit unsure about how I would go with it, but I actually got on quite well. I would recommend this to my close friends and family because it’s not as bad as it seems.

Convenient, but not as good as some other cards

I choose this card as it was originally the best option for my living expenses. It hasn’t been quite as good as some other cards for the last 2-3 years, but for pure convenience I have stuck with this card. I don’t feel this card has the benefits or rewards that some other cards…

First purchase was a nightmare

My first purchase using this card was a nightmare. I had to pay back $124 in interest for a $699 purchase. Not only that, they charged me $6 each day until the full amount was paid. It took me 43 days to pay off the total of $956 which i supposedly owed for using only $699 from…

Easy to apply for when money was tight

This is my first and only credit card. It was easier to apply for a credit card as opposed to a personal loan. The credit card application recognises government benefits as income. Up to 44 days interest free was a nice addition, although the conditions were not clearly…

Convenient card, especially for travelling

It’s an everyday type of credit card. The fees are pretty low and I can use it in about 98 percent of shops. I have had this card for more than 30 years and it is very handy to have in my wallet. You can use this card on an overseas holiday or anywhere you travel on holidays.