Visa Platinum Credit Card card image
Mini meca 2023

Bank First Visa Platinum Credit Card

Advertiser disclosure
Purchase rate
9.59% p.a.
Balance transfer rate
No current offer
Annual fees
$99
Interest free days on purchases
55

Mozo editorial review Bank First Visa Platinum Credit Card - last updated: 26 October 2023

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What's hot
  • Low annual fee of just $99
  • Mozo Expert Choice Award Winner 2023
  • Up to 55 interest free days
What's not
  • $20 late payment fee
Mozo snapshot

The Bank First Visa Platinum is a fantastic low-cost, high value credit card. The 9.59% purchase rate is one of the lowest around. There is also a low $99 annual fee and it comes with international travel benefits like free travel insurance and concierge, just bear in mind the 2.50% foreign exchange charge. 

This product also took out three awards in the 2023 Mozo Experts Choice Travel Money Award, winning an award in the Travel Credit Card category, the Platinum Travel Credit Card category and the Low Rate Travel Credit Card category. 

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Key features

Bank First's Visa Platinum credit card is almost the definition of value for money. For an annual fee of just $99, customers get a low 9.59% interest rate. Plus, customers receive up to 55 interest-free days on purchases.

For jetsetting customers, the Visa Platinum has added benefits. Customers have access to the 24/7 Visa concierge service, complimentary travel insurance, and they can use the card at over 24 million locations worldwide. Even better, cardholders automatically become members of the Visa Entertainment program, which offers exclusive discounts on theatre, music and movie tickets. Just remember, if you do use the card overseas, you'll incur a 2.50% foreign exchange margin. 

The only obvious downside to the Bank First's Visa Platinum credit card is the 5% minimum repayment amount, which is higher than the market average. This isn't a card you want to rack up a massive debt on. 




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Who is it good for

The Bank First Visa Platinum credit card is great for anyone who is looking for a high value, low interest credit card. And for customers that are all about interest-free days on purchases, this card comes with up to 55 days. 

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Any catches

Be sure you automate your payments as there is a $20 late payment fee.

Details

Rates and fees information correct as at 29 March 2024 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.
Rates

9.59% p.a.

none

No current offer

none

19.59% p.a.

55

Fees

$99.00

none

none

none

$20.00

$2.50

0%

$2.00

none

$0.00

Features

$20.00

5.0

yes

none

Payment options

Apple Pay, Google Wallet

Rewards privileges

Concierge,
Travel Insurance

Other benefits

Complimentary overseas travel insurance, Visa Platinum 24/7 Concierge, exclusive Visa Platinum Entertainment offers.

Customer Reviews

How are Bank First credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest review of Bank First Visa Platinum Credit Card

About Bank First

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23.99% p.a.

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23.99% p.a.

No current offer

$375

Velocity Frequent Flyer

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23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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10.99% p.a.

No current offer

$0

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Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
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Qantas Frequent Flyer

$299

50,000

1 point up to 20,000 points/month

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Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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$0

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0.75 points uncapped

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Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

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Low Rate Card

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

13.49% p.a.

$59 $0 in the first year

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Premier Credit Card

0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

0% p.a. for 9 months then 20.74% p.a.

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$149 $0 in the first year

Velocity Frequent Flyer

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0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

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13.49% p.a.

0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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10.99% p.a.

No current offer

$0

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12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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0% p.a. for 6 months and then 8.99% p.a.

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0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

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0% p.a.

No current offer

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StraightUp Card

n/a

No current offer

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n0w Credit Card

n/a

No current offer

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0% p.a. for 3 months then 25.80% p.a.

0% p.a. for 18 months and then 25.99% p.a. Use code BTMARACQ upon applying. to receive 0%pa on balance transfers for 18 months.

$99

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