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Bank First Credit Cards

Bank First gives you a choice of two credit cards, with features ranging from low rates to platinum perks.

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Bank First

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Bank First offers a Visa Classic and Visa Platinum credit card, both with low variable interest rates, contactless payment options and security features to help keep your account safe. If you're a member of Bank First or are thinking of joining, you can use this guide to learn more about these two credit cards, including rates, fees and other account features.

Comparison of Bank First credit cards

Data indicated here is updated regularly
Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Bank First Visa Classic Credit Card
0% for 6 months, reverts to 12.54% p.a.
Up to 55 days on purchases
$0
12.54% p.a.
Save with a $0 annual fee for life and enjoy 0% p.a. introductory rate for 6 months on purchases and balance transfers.
Bank First Visa Platinum Credit Card
0% for 6 months, reverts to 9.59% p.a.
Up to 55 days on purchases
$99
0% p.a. for 6 months
Enjoy a 0% p.a. interest rate on purchases and balance transfers for the first 6 months. Plus, a complimentary insurance.
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Types of Bank First credit cards

  • Low rate credit cards

Both Bank First credit cards offer variable interest rates that are competitive with other low rate credit cards. With the Visa Classic, you get a 12.54% p.a. variable rate for purchases, cash advances and balance transfers – plus no annual fee. With the Visa Platinum, you get a 9.59% p.a. variable rate and pay an annual fee of $99 These cards also offer interest-free days on purchases, but only if you pay your balance in full by the due date on each statement.

  • Platinum credit cards

The Bank First Visa Platinum combines a low rate with platinum perks, including complimentary travel insurance and a platinum concierge service you can use to save time on tasks such as making restaurant reservations, booking events, planning trips or getting gifts for loved ones. But, considering some other platinum credit cards offer other premium perks, make sure you weigh these features against the cost of the annual fee to help decide if it's worth it.

The benefits of banking with Bank First

Below, we've listed some of the key features you'll get when you have a credit card from Bank First.

  • Customer-owned bank

Bank First is owned by its customers, which means any profits made are put towards projects and initiatives that benefit customers, rather than shareholders. This structure can lead to more competitive accounts, as well as ethical and community initiatives, which customers can also have a say in.

  • Mobile wallets

If you have a mobile phone or device with Apple Pay or Google Pay, you can add a Bank First Visa credit card and make contactless payments straight from your phone.

  • Visa benefits

You can use the Bank First Visa Classic and Visa Platinum credit cards to pay in person, online or over the phone with any business that takes Visa cards. When you shop online, you'll also get Visa Secure protection to help verify your purchases at participating merchants. Plus, you can access exclusive deals on shopping, dining, entertainment and travel through Visa Offers + Perks.

  • Account management

You can check your balance and manage your account through Bank First's Internet banking or mobile app. You can also visit a branch or call 1300 654 822.

How to apply for a Bank First credit card

You can apply for a credit card from Bank First online by filling in a secure application form on the bank's website. Before you get started, make sure you meet the following eligibility criteria and have all the documents and details you need to complete the application.

Eligibility criteria

  • Australian residency status. You must reside in Australia.
  • Credit history. You must not have a history of defaults, bankruptcy, judgements or legal actions for the recovery of debt.
  • Age. You must be at least 18 years of age.

Documents and details

  • Personal details. This includes your full name, date of birth, phone number, residential address and email address. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare number.
  • Employment details. As well as your salary, you need to share details of your occupation, length of employment and your employer's contact details. You may also need to provide recent payslips or tax assessment notices to help verify these details.
  • Financial details. This covers any other forms of income, as well as savings, investments and other assets. You also need to provide details of existing cards, loans, debts and other liabilities, as well as your share of regular household expenses such as rent or mortgage payments and bills.

If you have any questions about the application or want to follow up once you've submitted it, you can contact Bank First by calling 1300 654 822, emailing info@bankfirst.com.au or visiting a branch.

Frequently asked questions

We’ve answered some of the most frequently asked questions about Bank First credit cards below. You can also ask us a question using the form at the bottom of the page.

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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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