Award-winning Credit Cards

Low rate, low fee credit cards to suit your needs

Which card is right for me?

Visa Classic Visa Platinum
Minimum limit $2000 $6000
Annual fee $0 $99
Complimentary overseas travel insurance2 No Yes
Visa Platinum 24/7 Concierge Services No Yes
Currency Conversion Fee 3.00% 0.00%3

For more information about which card is right for you please read the Key Facts about Credit Cards.

You know you’re onto a winner with recognition like this:

  • CANSTAR 2018 & 2020 - Low Rate - Visa Platinum Credit Card
  • CANSTAR 2018, 2019 & 2020 - Low Fee - Visa Classic Credit Card
  • Mozo - Experts Choice Awards 2018 & 2019 - Low Rate Platinum Credit Card - Visa Platinum Credit Card
  • Mozo - Experts Choice Awards 2018 & 2019 - No Annual Fee Credit Card - Visa Classic Credit Card

Managing your credit card

Important Information
Credit Card Interest Rates effective 1 August 2022.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
1. Subject to approval. Offer only available to new retail customers and Bank First customers who receive the offer direct from Bank First. Customers must be aged 18 and over. For applications received by 30 Dec 2022 and funded by 31 January 2023. Excludes cash advances. Variable interest rate. Fees and charges apply. Full details on request. Once 6-month period is over the Visa Classic and Platinum Credit Cards will revert back to the Standard Variable Rate, currently 12.54% p.a. and 9.59% p.a. respectively.
2.Visa Platinum Credit Cards come with complimentary overseas travel insurance. Victoria Teachers Limited (ABN: 44 087 651 769) trading as Bank First has obtained the complimentary insurances applying to the Bank First Platinum Card under Master Policies issued by Insurance Australia Limited ABN 11 000 016 722, AFSL 227 681 trading as CGU Insurance. The benefits of these Master Policies are extended to Bank First cardholders (as third party beneficiaries) as complimentary benefits. For eligibility criteria and full terms and conditions please refer to the policy document. Once you have read the policy document you should decide if the complimentary cover is suitable for your needs.
3. No currency conversion fee for transactions made in an overseas currency.