Bank First Visa Classic Credit Card
4.0
Highlights
- $0 annual fee per annum.
- Get up to 55 days interest-free on purchases.
- Access exclusive offers on food, travel, entertainment, and more.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
4
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$2,000.00
Maximum Credit Limit
$10,000.00
Repayments
Interest Charged From
Purchase Date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
12.54%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
12.54% p.a.
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
12.54% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$17.50
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can request up to 4 additional cardholders at no extra cost so that you can share the account with other family members.
- Digital wallets. It supports Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. BankFirst does not allow gambling transactions on their credit cards.
Rewards and benefits
- Extra benefits from Visa. Your Bank First Visa Credit Card opens up a range of deals on entertainment, food, travel, and more. These can be targeted to you.
- Complimentary travel and other insurance. This card does not come with international travel or other insurance coverage.
- Concierge services. The Bank First Visa Classic Credit Card does not offer a concierge service.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. There is no signup bonus for this card.
Rates and fees
- Annual fee. This card has no annual fee.
- Balance transfers. There are no special balance transfer offers on this card at the moment.
- Cash advances. Cash advances will be charged at 12.54% p.a. with interest accruing from the day the transaction was made. There is a $2.50 cash advance fee each time you take a cash advance. This makes it one of the cheapest credit cards for cash advances.
- Foreign exchange fee. A 3% foreign transaction fee will be applied to any overseas purchases.
- Interest-free period. Up to 55 days on purchases if you have paid off your previous balance or made a payment on the minimum amount due each month. Cash advances are not applicable.
- Late payment fee: $20.
- Purchases. The Bank First Visa Classic Credit Card has no introductory deal for purchases. Purchases will have the standard interest rate of 12.54% p.a. Applied, which is lower than average.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Great credit card and no annual fees!
Reviewed by Simon
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