Taking out a 2020 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.
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.
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.
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.
| 12.54% p.a. | |
| 0% p.a. for 6 months | |
| No current offer | |
| none | |
| 12.54% p.a. | |
| 55 |
| $0.00 | |
| none | |
| none | |
| none | |
| $20.00 | |
| $2.50 | |
| 3.00% | |
| $2.00 | |
| none | |
| $0.00 |
| $20.00 | |
| 5.0 | |
| yes | |
| none |
Apple Pay, Google Pay
Great customer relations and any calls I make I can speak to someone with an Australian accept.
Read full reviewGreat customer relations and any calls I make I can speak to someone with an Australian accept.
Does not have any extras, no fee, very simple, VTMU always ring if they are unsure of a transaction. Very happy with the card.
Read full reviewDoes not have any extras, no fee, very simple, VTMU always ring if they are unsure of a transaction. Very happy with the card.
I like this bank because they know my special interests are also their special interests. The services are competitive and they make house calls.
Read full reviewI like this bank because they know my special interests are also their special interests. The services are competitive and they make house calls.
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.
Read full reviewI 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.
Charges are minimal, and is easy to use. Service is always about helping the customer, not the bank.
Read full reviewCharges are minimal, and is easy to use. Service is always about helping the customer, not the bank.
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0% p.a. for 25 months and then 21.74% p.a.
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19.99% p.a.
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0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
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0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
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St.George
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0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
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No current offer
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0% p.a.
No current offer
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0% p.a. for 12 months then 20.74% p.a.
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$0
NAB
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12.99% p.a.
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