The Finance Algorithm
Bank First Production logoBank First Production

Classic Credit Card

Classic Credit Card Account

Credit cardsBank updated 16 June 2026
Apply at Bank First ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate
12.54%
Cash advance
12.54%
Interest-free days
55
Annual fee
$30
Foreign transaction fee
3.00%
Balance transfer
12.54%
Classic Credit Card card

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This credit card: 12.54%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

RateThis credit cardBest anywhereTypical institutionWhere it sits
Any credit cardOngoing purchase rate, not introductory offers12.54%7.49%Unity Bank's Low Rate Visa Credit Card12.49%of 51 institutions26th lowest of 51
Interest-free daysDays without interest on purchases when the balance is paid in full55 days62 daysBeyond Bank Australia's Low Rate Credit Card55 daysof 42 institutions2nd longest of 42, level with 30 others

Rates

Every rate Bank First Production publishes for this credit card, 3 in all.

TypeApplies toTermBandRateComparisonConditions
Balance transfer---12.54%--
Cash advance---12.54%--
Purchase---12.54%--

Fees

13 fees published, grouped by when they're charged.

While you hold it2

  • Account Keeping Fees
    No fee
  • Inactive Membership Fee
    $30 a year

When you make a transaction6

  • Credit Card Atm Withdrawal Fees
    $2.50
  • Credit Card Bankfirst Atm Withdrawal
    $2.50
  • Credit Card Cash Advance At Bank@Post
    $2.50
  • Visa Debit Card Overseas Atm Withdrawals

    The ATM operator may charge a fee at the time of the transaction

    $2.50
  • Visa Debit Over The Counter Cash Advance
    $2.50
  • Currency Conversion Fee

    This fee is waived for Premier/Rewards Package Home Loan customers

    3.00% of transaction

If a payment is late or fails1

  • Arrears Fee
    $20 7 days after it's due

When particular things happen4

  • Express Posting Of Card Or Pin In Australia
    $15
  • Issue Card Or Pin Internationally By Registered Mail

    $15 dollars per item

    $15
  • Emergency Overseas Replacement Card Fee

    This Fee is waived for Platinum credit card holders

    $150
  • Replacement Card Fee

    $12.00 Staff Assisted and $8 via Mobile Banking App

    $8

Features

PayIDDigital bankingBalance transfers55 interest-free daysGoogle PayApple Pay
  • Other service related charges apply based on your circumstances

Eligibility and limits

  • Minimum age 18
  • Residency: Individual applications must be permanent residents and joint accounts require at least one permanent resident as well as additional requirements for the non-residant applicants.
  • Amount from $2,000, no maximum
  • Available to members only.

Published by Bank First under the Consumer Data Right, last changed by them on 16 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.