Bank First Visa Platinum Credit Card

Save with 0% interest on purchases and balance transfers for 6 months while enjoying extra features with the Bank First Visa Platinum credit card.

When you apply for the Bank First Visa Platinum credit card by 31 March 2022 and make an eligible purchase by 30 April 2022, you can save with 0% interest on purchases and balance transfers for the first 6 months. This rate reverts to 9.59% p.a. after that. Cardholders can also access platinum perks including complimentary travel insurance, a 24/7 concierge service and exclusive deals through Visa Offers and Perks.

0% p.a.

Balance transfer rate

for 6 months

0% p.a.

Purchase rate

for the first 6 months (reverts to 9.59% p.a.)

$99 p.a.

Annual fee

55 days

Interest free period

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Product NameBank First Visa Platinum Credit Card
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (9.59%)
Purchase rate0% p.a. for 6 months, reverts to 9.59% p.a.
Annual fee$99
Interest-free periodUp to 55 days on purchases
Cash advance rate19.59% p.a.
Min credit limit$6,000
Card typeVisa
Available to temporary residentsNo
Joint applicationNo


  • 0% interest rates on purchases and balance transfers for the first 6 months when you apply by 31 March 2022 and make an eligible purchase by 31 January 2022
  • Get access to exclusive Visa Offers and Perks
  • Complimentary travel insurance and 24/7 platinum concierge services


  • No rewards program linked to this card
Bonus pointsN/A
Annual fee$99
Minimum monthly repayment5% of the closing balance or $20, whichever is greater
Late payment fee$20
Cash advance fee$2.50
Overseas cash advance fee$2.50
Overseas ATM withdrawal fee$2.50
Additional cardholder fee$0

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Bank First Visa Platinum credit card is one of the few cards that offers new cardholders an interest-free promotion on both purchases and balance transfers. There are some cards offering longer 0% purchase rate and balance transfer offers, so you should make sure you can pay off your balances in full before the revert rates apply.

How to apply

You can apply for the Bank First Visa Platinum credit card online in around 10 minutes. You should check if you meet the eligibility criteria and that you have the necessary information to complete the application before you get started.

Eligibility criteria

  • Age. You must be at least 18 years old.
  • Residency. You must be a permanent Australian resident.

Card benefits

  • 0% p.a. on purchases and balance transfers. New cardholders who apply by 31 March 2022 and make an eligible purchase by 30 April 2022, can take advantage of 0% interest rates on purchases and balance transfers for the first 6 months. After the introductory period, this will revert to the variable interest rate of 9.59% p.a.
  • Platinum concierge service. You can contact your 24/7 personal platinum concierge service for all of your travel, entertainment and lifestyle requests. This could include anything from organising travel plans to booking last-minute concert tickets or reserving a table at a popular restaurant.

Rates & fees

  • Annual fee. This card charges a $99 annual fee.
  • Low variable interest rate. Outside of any promotions, purchases and balance transfers attract a 9.59% p.a. interest rate.

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    Default Gravatar
    January 13, 2019

    I would like advice on a credit card that I may be able to apply for on a pension.

      Avatarfinder Customer Care
      January 14, 2019

      Hi Julie,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      You may refer to our list of credit cards for pensioners and retirees. On that page, you will be able to compare your credit cards for pensioners and learn how to apply. There’s a table there that lists some of your options as well as their corresponding details. When you are ready, press the “Go to site” button to apply.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


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