Bank First

Compare First Option Bank credit cards by features, rates, and fees to make a well-informed application choice.

Bank First credit cards

Bank First Visa Platinum Credit Card

On website

Bank First Visa Platinum Credit Card

Balance transfer

N/A

Purchase rate

11.49% p.a. ongoing

Annual fee

$99.00 p.a. ongoing

Highlights

  • An attractive interest rate of 11.49% per annum on purchases and balance transfers.
  • Includes complimentary travel insurance and concierge service.
  • Benefit from up to 55 days interest-free on purchases.

Pros

  • Enjoy 11.49% p.a. on purchases and balance transfers
  • Comes with complimentary travel insurance and concierge service.
  • Get special deals on food, travel, entertainment and more.

Cons

  • There is no rewards program on this card.
Bank First Visa Classic Credit Card

On website

Bank First Visa Classic Credit Card

Balance transfer

N/A

Purchase rate

12.54% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee per annum.
  • Get up to 55 days interest-free on purchases.
  • Access exclusive offers on food, travel, entertainment, and more.

Pros

  • The competitive purchase rate and cash advance rate of 12.54% p.a.
  • $0 p.a. annual fee.
  • Enjoy up to 55 interest-free days on purchases.

Cons

  • There is no rewards program on this card.

First Option Bank offers a range of credit cards tailored to meet the diverse financial needs of its customers, from low rates to something more rewarding.

Applying for a First Option Bank Credit Card

Applying for a First Option Bank credit card is a straightforward process that can typically be completed online through the bank's website or by visiting a branch. To apply, you will need to provide details such as your identification, income information, and credit history for assessment.

Help choosing a Bank First credit card

Receive personalized guidance to choose the optimal Bank First credit card that aligns with your financial objectives and lifestyle preferences.

  • FAQs

What are the eligibility criteria for a Bank First credit card?

To be eligible for a Bank First credit card, you must be at least 18 years old, a resident of Australia, and have a regular income. A good credit history is also typically required. Specific criteria may vary depending on the card, so it's advisable to check Bank First's official website or contact their customer service for detailed information.

How can I access my Bank First credit card account online?

You can access your Bank First credit card account online by registering for Bank First's Internet Banking service. Once registered, you can log in to view your statements, monitor transactions, make payments, and manage your account details securely.

Do Bank First credit cards offer balance transfer options?

Yes, Bank First credit cards offer balance transfer options, allowing you to transfer balances from other credit cards to your Bank First credit card, potentially at a lower interest rate. This can help you consolidate debt and save on interest payments. Terms and conditions, including fees and interest rates, vary, so reviewing the specifics for the offer you're interested in is important.

What are the fees associated with Bank First credit cards?

The fees associated with Bank First credit cards can include an annual fee, late payment fees, cash advance fees, and possibly balance transfer fees. The specific fees depend on the type of credit card you have with Bank First. It's important to read the Product Disclosure Statement (PDS) for your specific card to understand all applicable fees.