Skip to Content
BSB 704-191
female-professional-indoors-office-hero

Credit Cards

Low fee and low rate credit cards with 24/7 worldwide access to your money.

Choose a card that is right for your needs
$0 annual fee
female-Visa-Card-hero

Visa Classic

With a low rate, up to 55 days interest free, easy repayment options and no annual fee, you can use your card without worry.
12.54%p.a
  • No ongoing fees
  • Receive up to 55 days interest free on purchases¹
  • Convenient access 24/7 worldwide
Competitive interest rate
male-beard-indoors-event-hero

Visa Platinum

Our Visa Platinum Credit Card offers a range of benefits including complimentary overseas travel insurance, a low annual fee and no other ongoing fees.
9.59%p.a
  • Low $99 annual fee and no other ongoing fees
  • Receive up to 55 days interest free on purchases¹
  • Receive complimentary International Travel Insurance for overseas trips²
1 of 2

Which card is right for me?

 

Visa Classic

Visa Platinum

Minimum limit

$2000

$6000

Annual fee

$0

$99

Complimentary overseas travel insurance2

.

.

Visa Platinum 24/7 Concierge Services

.

.

Currency Conversion Fee

3.00%

0.00%4

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

Managing your credit card

  • 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.

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

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

Important Information

Credit Card Interest Rates effective 6 June 2024.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.
1. Excludes cash advances and balance transfers. 
2. Complimentary insurance covers AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (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 AFSL and Australian Credit Licence 240960 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). The eligibility criteria, terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the information booklet here which may be amended from time to time. An excess may be deducted from any benefit paid. Bank First does not guarantee this insurance. Any advice 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.
3. No currency conversion fee for transactions made in an overseas currency.

For complimentary insurance covers before 1 December 2023, please refer to CGU policy document. Victoria Teachers Limited (ABN: 44 087 651 769) trading as Bank First had 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 were 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. If you have a question or need to make a claim under the CGU policy, please contact CGU using the contact details included in the policy document.