ANZ First Visa Credit Card

	ANZ First Visa Credit Card Key Features:
	ANZ Special Offer: 2.9% p.a. on balance transfers for the first 12 months. Apply by 12 June 2012. Interest rate of 19.39% p.a. on purchases and 20.99% p.a. on cash advances Up to 44 days interest free credit on purchases2 Low annual credit card fee of $30 Up to three additonal cardholders for free Extended warranty insurance and 90-day purchase security insurance3 Visa card acceptance at over 24 million locations worldwide. Design your own ANZ First Visa credit card with ANZ designmycard5 ANZ Falcon™ security with 24/7 monitoring of suspicious transactions4 Access to special offers from Visa Entertainment

	Credit Card Application Criteria:
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $15,000 p.a.

Terms and Conditions
Terms and conditions are available on application. Fees and charges apply.

1. Offer available to new and approved applicants who apply for an ANZ First credit card by 12 June 2012. Not available in conjunction with other offers, packages or promotions or when you transfer or close an existing ANZ credit card. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. The balance transfer interest rate commences from date of card approval and applies to non-ANZ balances transferred to your new credit card. Interest rate reverts to the standard variable interest rate applicable to purchases on your card after 12 months from the date the card is approved and any balances that remain unpaid at the end of this period will become subject to the standard variable rate for purchases. The standard variable interest rate is 19.39% p.a. on purchases and 20.99% p.a. on cash advances for ANZ First, as at Tuesday, 15 November 2011 and is subject to change. Interest accrues on balance transfers from the date the transfer is processed by ANZ. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use. The balance transfer must be completed at the time of applying for or, at the time of activating your new ANZ First. Terms and conditions apply to balance transfers (please call 13 13 14 for a copy).

2. Standard variable interest rate is 19.89% p.a. on purchases and 20.99% p.a. on cash advances as at Friday, 27 April 2012 and is subject to change.

3. Extended Warranty and 90-day Purchase Security Insurance are underwritten by Zurich Australian Insurance Limited. Terms and conditions apply. For more information please call 13 13 14.

4. Subject to ANZ designmycard Image Guidelines. Terms and Conditions available at www.designmycard.com.au.

5. Interest free days do not apply if you do not pay your Closing Balance (which includes any outstanding balance transfers, cash advances, purchases and Promotional Plans) in full by the due date each month. Payments to your account are applied in the order set out in the ANZ Credit Cards Conditions of Use.