Important Information 
We reserve the right to amend or withdraw these offers at any time. Promotional interest rates are per annum, effective 1 July 2021 and subject to change without notice. To qualify for these offers you must be an employee of BlueCross or Mercy Health and the promotional code CARE must be quoted at time of customer application and all offers taken up before 31 December 2021. This information does not consider your objectives, financial situation or needs - consider the suitability of this information and refer to Terms and Conditions or Product Disclosure Statement before acquiring a product, available at our branches or call 1300 654 822.

1. Other fees and charges may apply.
2. Subject to approval. For applications received by 31 December 2021 and funded by 31 January 2022. Excludes cash advances. Variable interest rate. Fees and charges apply. Full details on request. Once 6-month period is over the Visa Classic and Platinum Credit Cards will revert back to the Standard Variable Rate, currently 12.54% p.a. and 9.59% p.a. respectively.
3. Visa Platinum Credit Cards come with complimentary overseas travel insurance. Victoria Teachers Limited (ABN: 44 087 651 769) trading as Bank First has 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 are extended to Bank First’s cardholders (as third party beneficiaries) as complimentary benefits. For eligibility criteria and full terms and conditions please refer to the policy document. Once you have read the policy document you should decide if the complimentary cover is suitable for your needs.
4. Promotional interest rates available for car loan applications received by 31 December 2021 and funded by 31 January 2022. The 3% discount is off the standard car loan rate. Credit criteria applies.
5. No early repayment penalty is applicable on a variable rate. A break cost fee applies during periods of fixed interest.
6. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions available upon request.
7. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions available upon request.