Visa Classic Credit Card

Low fee, low rate for everyday purchases

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.

Rates & fees

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


    Purchase variable rate
    Interest rate (p.a.)


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


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


  • Fees
    Ongoing fees
    Ongoing fees
    Annual fees


Bank First 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.

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

Managing your credit card

Important Information
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 December 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 interest rate will revert back to the Standard Variable Rate, currently 12.54% p.a.
2. Excludes cash advances and balance transfers.