Bank First Visa Classic Credit Card

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. The introductory balance transfer offer for the BankFirst Visa Classic Credit Card is 0% p.a. for 6 months. You can use up to 100% of your credit limit for balance transfers. Balance transfers from personal loans are not possible. The introductory rate reverts to the relatively low purchase rate of 12.54% p.a. after the 6 month period.
• 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.