Bank First Credit Cards

Why choose Bank First

Benefits

Credit cards have very low to low interest rates
$0 annual fee credit card offered
Balance transfer options available

Drawbacks

Small selection of credit cards
No rewards credit cards
Only Visa cards offered

About Bank First credit cards

Unlike the big banks that offer a huge variety of credit cards, Bank First has a small selection:

Standard Visa credit card
Platinum Visa credit card

The fees and rates vary between the credit cards offered.

The Bank First standard VISA credit card is a basic credit card that has no annual fee and a moderately low interest rate. It would suit a customer who was looking for a low-cost credit card but didn’t want rewards or perks. The interest-free days are moderate and it also comes with a balance transfer option.

The Platinum Visa credit card offered by Bank First has a very low interest rate and a moderate annual fee. It has a moderate number of interest-free days on purchases and also has a balance transfer option. The Bank First Visa Platinum credit card has perks including:

Complimentary international travel insurance
24/7 concierge
Access to Visa Platinum entertainment offers

Bank First credit card review

The credit card selection offered by Bank First is very slim compared to the big banks that have a credit card to suit almost every customer.

Instead, Bank First offers two types of cards that would suit customers looking for a no-frills credit card, like pensioners or those looking to get their first credit card, or customers who are looking for a low interest rate card that has a few perks.

Unlike platinum credit cards offered by many other financial institutions, Bank First’s platinum credit card does not come with any rewards or cashback schemes. Instead, it offers a competitive interest rate and a few perks like free international travel insurance. The annual fee on Bank First’s platinum credit card is also lower than many of its competitors offering a similar card.

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About our expert

Mark Bristow

Personal Finance Editor

Mark Bristow is RateCity's Home & Personal Finances Editor, and an experienced analyst, researcher, and producer. While primarily focused on Australian mortgage and home loan expertise, he has experience across energy, home and travel insurances. Mark has been a journalist and writer in the financial space for over ten years, previously researching and writing commercial real estate at CoreLogic. In the years since, Mark has worked for the Winning Group, Expedia, and has seen articles published at Lifehacker and Business Insider.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.