Bank First Visa Classic Credit Card

Bank First Visa Classic Credit Card

Highlights

  • $0 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.
  • Get special deals on food, travel, entertainment and more.

Pros and cons

Pros

  • The competitive purchase rate and cash advance rate of 12.54% p.a.
  • $0 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.

Cons

  • There is no rewards program on this card.

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

The basics

  • Additional cardholders. You can request up to 4 additional cardholders for your card so that you can share the account with other family members.
  • Digital wallets. Supports Apple Pay and Google Pay.
  • Gambling transactions. BankFirst allows gambling transactions on some 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.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake

Writer

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

Great credit card and no annual fees!

Reviewed by Simon

This is an excellent credit card to have. I can choose to increase or lower my limit at my own discretion. No annual fees and no joining fee required and excellent security when using overseas or for online purchases. I’ve had this credit card for eight years and I still find it to be a better deal than any other banks offer.


Would you like to review this product? Click here to write your review and help others make a better decision.

This credit card is listed in these comparisons