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

Access to funds with ease, knowing you're onto a great deal with our credit cards.

$0 annual fee

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.

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12.54^%_p.a

No ongoing fees
Receive up to 55 days interest free on purchases¹
Convenient access 24/7 worldwide

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Competitive interest rate

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.

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11.49^%_p.a

Low $99 annual fee and no other ongoing fees
No currency conversion fee
Receive complimentary International Travel Insurance for overseas trips²

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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.

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Managing your credit card

For more information about which card is right for you please read the Key Facts about Credit Cards.
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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.
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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.
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To increase your Visa Credit Card limit complete our online application form and make the following selections:
- Select the Card Type you wish to make the limit increase for.
- Select the Increase button.
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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.
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Terms and Conditions

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Important Information

Credit Card Interest Rates effective 18 November 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.

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Managing your credit card