Bank First Production
Classic Credit Card
Classic Credit Card Account
Credit cardsBank updated 16 June 2026
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%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer | — | — | — | 12.54% | — | — |
| Cash advance | — | — | — | 12.54% | — | — |
| Purchase | — | — | — | 12.54% | — | — |
§ 02 — Fees · 13
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Credit Card Atm Withdrawal Fees | Cash advance | $2.50 | — | — |
| Credit Card Bankfirst Atm Withdrawal | Cash advance | $2.50 | — | — |
| Credit Card Cash Advance At Bank@Post | Cash advance | $2.50 | — | — |
| Visa Debit Card Overseas Atm Withdrawals | Cash advance | $2.50 | — | The ATM operator may charge a fee at the time of the transaction |
| Visa Debit Over The Counter Cash Advance | Cash advance | $2.50 | — | — |
| Express Posting Of Card Or Pin In Australia | Event | $15 | — | — |
| Issue Card Or Pin Internationally By Registered Mail | Event | $15 | — | $15 dollars per item |
| Arrears Fee | Late payment | $20 | 7 days after due | — |
| Account Keeping Fees | Periodic | No fee | Every 1 mo | — |
| Inactive Membership Fee | Periodic | $30 | Every 1 yr | — |
| Emergency Overseas Replacement Card Fee | Replacement | $150 | — | This Fee is waived for Platinum credit card holders |
| Replacement Card Fee | Replacement | $8 | — | $12.00 Staff Assisted and $8 via Mobile Banking App |
| Currency Conversion Fee | Transaction | 3.00% of transaction | — | This fee is waived for Premier/Rewards Package Home Loan customers |
§ 03 — Features
PayIDDigital bankingBalance transfers55 interest-free daysGoogle PayApple Pay
- · Other service related charges apply based on your circumstances
§ 04 — Eligibility & 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 $2,000 to no maximum
- · Available to members only.
§ 06 — Run the numbers
Put this product through a calculator
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.