0% p.a. for 6 months then 12.94% p.a.
0% p.a. for 6 months and then 12.94% p.a.
$0
n/a
Bank First Visa Classic Credit Card
0% p.a. for 6 months then 12.94% p.a.
0% p.a. for 6 months and then 12.94% p.a.
$0
n/a
Bank First Visa Classic Credit Card
0% p.a. for 6 months then 12.94% p.a.
0% p.a. for 6 months and then 12.94% p.a.
$0
n/a
Last updated: 18 October 2018.
Mozo 2018 Experts Choice winner
Low 12.94% purchase rate
0% balance transfer and purchase rate for the first 6 months
$20 late payment fee
$2.50 cash advance fee
Taking out an Experts Choice Award for No Annual Fee Credit Card is Bank First with its budget friendly Visa Classic Credit Card. Along with its 12.94% purchase rate, you’ll also have no annual fee, up to 55 interest free days and a 0% balance transfer and purchase rate for the first 6 months! 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.
The Visa Classic Credit Card will befriend any budget conscious spender, thanks to its no annual fee. If you’re looking to clear debt, you’ll be happy to know that there’s a 0% balance transfer for the first 6 months - which will then become 12.94% after this period has ended. You’ll also have a 0% purchase rate for the first 6 months before the 12.94% rate kicks in.
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.
The Visa Classic Credit Card is a great choice for anyone who’s on the hunt for a low rate card, and isn’t interested in any additional extras.
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.
12.94% p.a.
0% p.a. for 6 months
0% p.a. for 6 months and then 12.94% p.a.
none
12.94% p.a.
55
$0.00
none
none
none
$20.00
$2.50
2.50%
$2.00
none
$0.00
$20.00
5.0
yes
none
Great customer relations and any calls I make I can speak to someone with an Australian accept.
Read full review
Great customer relations and any calls I make I can speak to someone with an Australian accept.
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Shirley | Victoria
reviewed over 3 years ago
Does not have any extras, no fee, very simple, VTMU always ring if they are unsure of a...
Read full review
Does not have any extras, no fee, very simple, VTMU always ring if they are unsure of a transaction. Very happy with the card.
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Julie | Victoria
reviewed over 3 years ago
I like this bank because they know my special interests are also their special interests. The...
Read full review
I like this bank because they know my special interests are also their special interests. The services are competitive and they make house calls.
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Geraldine | Victoria
reviewed over 3 years ago
I can talk to a consultant easily either via phone, online or by visiting the bank. If I visit...
Read full review
I can talk to a consultant easily either via phone, online or by visiting the bank. If I visit the bank, I am asked re the issue and within seconds I am speaking to someone. There is usually no lining up or waiting periods to talk to someone.
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Sue | Victoria
reviewed over 3 years ago
Charges are minimal, and is easy to use. Service is always about helping the customer, not the...
Read full review
Charges are minimal, and is easy to use. Service is always about helping the customer, not the bank.
Less
Kim | Victoria
reviewed over 3 years ago
Formerly Victoria Teachers Mutual Bank, Bank First is an award winning financial institution with a competitive range of banking products including personal loans, home loans, term deposits and savings accounts. Founded by Australian educators in 1972, Bank First offers all Australians outstanding value but doesn't compromise on service or quality. Best of all, Bank First customers become equal shareholders which means all the benefits are directly returned to you.
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