General Details Institution: ANZ Bank Contact Number: 13 13 14 Product Name: ANZ First Visa Apply:

Product Details Card Type: Visa Status Level: Standard Account Type: Credit Purchase Rate: 18.49% Cash Advance Rate: 20.24% Intro Rate: - Intro Term: - Balance Transfer: 7.99 Free Days: 44 Min Repayment: 2

Fees Annual Card Fee: $30.00 Annual Rewards Fee: - Late Payment Fee: $35.00 Duplicate Statement Fee: $14.00 Trans Verification Fee: - Reinstatement Fee: - Over Limit Fee: $35.00 Over Limit Fee Charged When Over: 1 OS ATM Fee Balance: - OS ATM Fee Withdrawal: $4.00 OS Emergency Card Fee: - Interest Charged From: PurchaseDate Annual Fee Waiver:

Features Overseas ATM Availability: Interest Paid On Credit Balance: Purchase Insurance: Auto Travel Insurance: false Loan Application Fee Discount: Comments: 7.99% Balance Transfer rate for the first six months upon approval (not valid with any other offer). $4.00 discount on annual fee if linked to ANZ Access or Chq Ac. Cash advance fee is 2%. Minimum fee of $4 for overseas cash advances.

Rewards Rewards Program Avail: Program Name: Program Partners: For a list of reward partners, please view http://www.anz.com.au/documents/AU/personal/credit-cards/SphereRewardsGuide.pdf Points per Dollar: - Bonus Points Avail: Bonus Point Partners: Number of Bonus Points: - Lifetime of Points (mths): - Conditions:

Frequent Flyers Conversion to Frequent Flyers: Rewards to Frequent Flyer Ratio: Domestic Airlines: International Airlines: