Important disclosure

Bank First - Victoria Teachers Limited

Bank First Visa Classic Credit Card

  • Balance transfer
  • No annual fee

Purchase Offers

0% p.a. on purchases for 6 months

Offer is for new customers aged 18 and over only, excluding students. Maximum credit limit $10,000. For applications received by 31 December 2020.

Purchase Rate

12.54%

p.a

Balance Transfer Rate

12.54%

p.a

Tags
  • Balance transfer
  • No annual fee
Purchase Rate

12.54%

p.a

Balance Transfer Rate

12.54%

p.a

Annual Fee

$0

Pros and cons

For Visa Classic Credit Card

Benefits

  • Lower than average ongoing variable purchase rate
  • No Annual Fee
  • Free supplementary cards

Drawbacks

  • No reward program

Bank First Rate Credit card overview

For Visa Classic Credit Card

Details

Card Level

Standard

Card Type

Visa

Interest Free Days

55

Minimum monthly repayment

5% or $20

Minimum credit limit

$2k

Maximum credit limit

$10k

Free supplementary cards

Instant Approval

Target Market Determination

Visit Bank First - Victoria Teachers Limited to view Target Market Determination.

Fees

Annual Fee

$0

Annual Fee Spend Waiver

Supplementary card annual fee

$0

Late Payment Fee

$20

Over limit fee

$0

Duplicate statement fee

$5

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

12.54%

p.a

Cash advance rate

12.54%

Cash advance fee

$2.5

Balance Transfer

Balance Transfer Rate

12.54%

p.a

Transfer Limit

$10k

max card limit

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

2.5% on Visa

Overseas charges

$2.5

Estimated ATM Cost

$10

for AU $300 withdrawal

Rewards

Program name

Rewards Available

-

Eligibility

Minimum age

18

Minimum income

Eligibility conditions

-

Residency

Perks

  • FREE SUPPLEMENTARY CARDS
Specials
  • Purchase Offers 0% p.a. on purchases for 6 months
    Offer is for new customers aged 18 and over only, excluding students. Maximum credit limit $10,000. For applications received by 31 December 2020.

Promoted credit cards

Promoted

Longer Balance Transfer

Foundation Visa Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.
Purchase Rate

3.99%

p.a

for up to 6 months, then 8.99%

Annual Fee

$45

Promoted

Lower Fee Balance Transfer

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0

Promoted

Lower Purchase Rate

Orange One Low Rate

  • Apple & Google Pay
  • No annual fee
Purchase Rate

11.99%

p.a

Annual Fee

$0

Promoted

Lower Annual Fee

Visa Credit Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

10.76%

p.a

Annual Fee

$0

for 12 months then $30 thereafter