Visa Classic Credit Card card image

Bank First Visa Classic Credit Card

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 12.54% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review Bank First Visa Classic Credit Card - last updated: 20 December 2021

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What's hot
  • 2021 Mozo Experts Choice Award winner
  • Low 12.79% purchase rate
  • $0 annual fee
What's not
  • $20 late payment fee
  • $2.50 cash advance fee
Mozo snapshot

Taking out a 2021 Mozo Experts Choice Awards for best No Annual Fee Credit Card is Bank First with its budget friendly Visa Classic Credit Card.

Along with its 12.79% purchase rate, you’ll also have no annual fee, up to 55 interest free days. So if you’re an Aussie with a frequent spending habit or you just need a piece of plastic to help get you through the day, the Bank First Visa Classic Credit Card may be your answer.

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Key features

The Visa Classic Credit Card will befriend any budget conscious spender, thanks to its no annual fee and low 12.79% interest rate. There is also up to 55 interest-free days on everyday purchases.

If you ever need to postpone paying your full balance, there’s no need to sweat with the minimum repayment amount of $20, or 5%. However, there is a small cash advance fee of $2.50, along with the interest you will be charged, so if you’re someone who always likes to have cash handy, this minor fee could add up over time.

And if you’re a frequent traveller or addicted to international online shopping, be sure to budget for the 2.5% foreign exchange margin. 

Who is it good for

The Visa Classic Credit Card is a great choice for anyone who’s on the hunt for a low rate card with no annual fee, and isn’t interested in any additional extras.

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Any catches

While Bank First aims to provide simplicity with this low rate card, you’ll need to make sure you repay the minimal balance on time, or face the $20 late payment fee. And if you constantly find yourself on international online stores, the 2.5% foreign margin fee may take a swing at your bank account over time.


Rates and fees information correct as at 21 May 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

12.54% p.a.

0% p.a. for 6 months

No current offer


12.54% p.a.


















Payment options

Apple Pay, Google Pay

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