• We will be performing scheduled maintenance on Friday 23 October at 8am until Monday 26 October at 5am. Customers can still use our online banking services however may experience slower performance. We apologise for any inconvenience.

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Visa Classic Credit Card

Low fee, low rate for everyday purchases

Apply now

Access to funds with ease, knowing you're onto a great deal with our award-winning Visa Classic Credit Card.

With a low rate, up to 55 days interest free, easy repayment options and no annual fee, you can use your card without worry.

Woman using credit card at the beach

New Customer Offer

0% p.a.

Interest for 6 months1
Maximum credit limit $10,000

Woman withdrawing money from an ATM

Low fee

$0 annual fee

And no ongoing fees

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Young woman drinking coffee and texting outdoors

Receive up to

55 days interest free

On purchases2

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two young women hiking along the beach

Convenient access

24/7 worldwide

Easy access to your money

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Rates & fees

  • Rates
    Visa Classic
    Visa Classic
    Interest rate (p.a.)
    New customer rate1
    Interest rate (p.a.)

    0.00%1

    Purchase variable rate
    Interest rate (p.a.)

    12.54%

    Balance transfer variable rate
    Interest rate (p.a.)

    12.54%

    Cash advance variable rate
    Interest rate (p.a.)

    12.54%

  • Fees
    Ongoing fees
    Ongoing fees
    Amount
    Annual fees
    Amount

    $0

Bank First Visa Classic Credit Card

Access Extra Benefits

Take advantage of range of deals on food, travel, entertainment and more with your Bank First Visa Credit Card.

Apply now

  • More information about our Visa Classic Credit Card

    Minimum card limit $2,000.

    Accepted everywhere

    The Visa Classic Credit Card travels with you, and can be used from almost any location in Australia and over 24 million places worldwide. Use your Visa Classic Credit Card:

    • Wherever the Visa logo is displayed.
    • At EFTPOS terminals (by pressing 'credit').
    • At contactless EFTPOS terminals (payWave) for transactions up to $100.
    • At ATM terminals where the Visa logo is displayed.
    • Over the phone to pay bills or to make purchases.
    • Via the internet to make purchases.
    • Using BPAY or BPAY View to pay bills online.

    Balance Transfers

    Would you like to easily reduce interest, save fees and consolidate your debts?

    Think about transferring your balance from another credit card by completing the 'Balance Transfer Request' section on the application form.


Terms and Conditions

Part A - Product Information
Part B - Fees and Charges
Part C - Interest Rates

Important Information
Credit Card Interest Rates effective 1 October 2020.
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 31 December 2020 and funded by 29 January 2021. Excludes cash advances. Variable interest rate. Fees and charges apply. Full details on request. Once 6-month period is over the Visa Classic Card will revert back to the Standard Variable rate, currently 12.54% p.a.
2. Excludes cash advances and balance transfers.