Bank First
Bank First

Bank First Visa Classic Credit Card

Purchase Rate
12.54% p.a.
Cash Advance Rate
12.54% p.a.
Interest Free
Up to 55 days
Annual Fee
Intro Purchase Rate
0% p.a. for up to 6 months
  • No annual fee
  • Up to 55 days interest free
  • Minimum limit $2,000

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $0.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 5% or $20.00
Interest Charged From
Late Payment Fee $20.00

Other Charges

Duplicate Statement Fee $5.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee -
Overseas Emergency Card Replacement Fee $150.00
Terms & Conditions
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 31 March 2022 and funded by 30 April 2022. Excludes cash advances. Variable interest rate. Fees and charges apply. Full details on request. Once 6-month period is over the Visa Classic Card will revert back to the Standard Variable rate, currently 12.54% p.a. 2. Excludes cash advances and balance transfers.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.