Bank First Classic Credit Card

credit card

Classic Credit Card is a credit card from Bank First, as the bank publishes it in its product data. Its purchase rate is 12.54% and its card fee $0 a year ($0 a month). It ranks 5th of 10 issuers for a personal card with no annual fee, by purchase rate.

What the feed states

Purchase rate

12.54%

Cash advance rate

12.54%

Interest-free days

up to 55

Card fee

$0 a year ($0 a month) (Account Keeping Fees)

Foreign transaction fee

3% of the transaction

Cash advance fee

$2.50

Late payment fee

$20

Digital wallets

Google Pay, Apple Pay

Credit limit

from $2,000

Minimum age

18

Scheme

Visa

Conditions and offers

• a further $20 arrears fee once a repayment is 30 days overdue
• 3% currency conversion fee, refunded for Premier Package Home Loan holders
• Australian or NZ citizens, permanent residents or eligible visa holders, 18 or over

Who can apply, in the bank's words

• Available to members only.

About this card

Classic Credit Card Account

Data

• Bank First's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-27.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/bank-first.json: this issuer's cards as JSON; Bank First's page lists them.
• The bank last updated this record on 2026-06-15; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Bank First

• Platinum Credit Card credit card, 11.49%, $99 a year