Credit Cards
Visa Classic
- No ongoing fees
- Receive up to 55 days interest free on purchases¹
- Convenient access 24/7 worldwide
Visa Platinum
- Low $99 annual fee and no other ongoing fees
- No currency conversion fee
- Receive complimentary International Travel Insurance for overseas trips²
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.
Managing your credit card
For more information about which card is right for you please read the Key Facts about Credit Cards.
Credit Card 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.
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.
No currency conversion fee for transactions made in an overseas currency.