Visa Platinum Credit Card
Rates and fees
Visa Platinum
Interest rate (p.a.)
Purchase variable rate
11.49%
Balance transfer variable rate
11.49%
Cash advance variable rate
19.59%
Ongoing fees
Annual fee
$99
Choose a card that's right for your needs
Our Visa Platinum Credit Card lets you access your money anytime, anywhere, from almost any location in Australia and over 24 million places worldwide.
The details
- Low $99 annual fee and no other ongoing fees
- Receive access to 55 days interest free on purchases¹
- Receive access to complimentary international travel insurance for overseas trips²
- Minimum card limit $6,000. Subject to credit criteria
Visa Platinum Credit Card Benefits
Our Visa Platinum Credit Card offers a range of benefits including access to complimentary international travel insurance, a low annual fee and no other ongoing fees.
To understand more about the cover including the full terms, conditions, exclusions, limits, applicable sub-limits and eligibility criteria, please read the policy information³ booklet
Other offers include:
Car rentals
Hotels
24/7 concierge service
Managing your credit card
Subject to credit criteria. Minimum card limit $6,000.
For further details on the useful 24/7 Concierge Services available to all Platinum Cardholders, visit www.visaplatinum.com.au.Accepted everywhere
Would you like a credit card that you can use wherever you go? Our Visa Platinum Credit Card lets you access your money anytime, anywhere, from almost any location in Australia and over 24 million places worldwide. Use your Visa Platinum 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.
To cancel your credit card contract, simply click on the link below to take you through to the online form. Cancel My Card
Alternatively, you can contact us by phone on 1300 654 822 (within Australia) or +61 3 9834 8560 (overseas), via email at info@bankfirst.com.au or by visiting one our Branches.Reducing your credit card limit has been made simpler with the addition of an online form available on our website. Simply click on the link below to take you through to the online form. Reduce Limit
Alternatively, you can contact us by phone on 1300 654 822 (within Australia) or +61 3 9834 8560 (overseas), via email at info@bankfirst.com.au or by visiting one our Branches.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.
Read more about key facts about credit cards.
Visa Platinum 24/7 Concierge Services: 1800 639 607 or find the relevant contact information for your nearest Visa Concierge.
Allianz travel emergency hotline is +61 7 3305 7499 or medical@allianz-assistance.com.au
For more information about which card is right for you please read the Key Facts about Credit Cards.
Want to know more?
For more information about which card is right for you please read the Key Facts about Credit Cards.
Interest Rates effective 16 December 2025.
Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
Excludes cash advances and balance transfers.
The 3% currency conversion fee will be refunded. Overseas banks may charge a separate fee. Refer to Terms and Conditions Part B: Fees and Charges.
Complimentary insurance covers applicable to events that occurred after 1 December 2023: AWP Australia Pty Ltd (ABN 52 097 227 177 AFSL 245 631) (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a group policy to Victoria Teachers Limited (ABN 44 087 651 769) trading as Bank First which allows eligible Bank First account holders and cardholders to claim under the group policy as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). Cover applies to events occurring on or after 1 December 2023. The eligibility criteria, terms, conditions, limits and applicable sub-limits of the group policy are set out in the Bank First Visa Platinum Credit Card Complimentary Insurance Booklet here which may be amended from time to time. An excess may be deducted from any benefit paid. Bank First does not guarantee or accept any liability in respect of this complimentary insurance. Any advice is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice.