Visa Platinum Credit Card card image

Bank First Visa Platinum Credit Card

Advertiser disclosure
Purchase rate
0% p.a. for 6 months then 9.59% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review Bank First Visa Platinum Credit Card - last updated: 28 October 2021

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What's hot
  • Low annual fee of just $99
  • Mozo Expert Choice Award Winner 2021
  • Up to 55 interest free days
What's not
  • $20 late payment fee
Mozo snapshot

The Bank First Visa Platinum is a fantastic low-cost, high value credit card and 2021 Mozo Experts Choice Award recipient for best Low Rate Platinum Credit Card. The 9.59% purchase rate is one of the lowest around. There is also a low $99 annual fee and it comes with international travel benefits like free travel insurance and concierge, just bear in mind the 2.50% foreign exchange charge. 

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Key features

Bank First's Visa Platinum credit card is almost the definition of value for money. For an annual fee of just $99, customers get a low 9.84% interest rate. Plus, customers receive up to 55 interest-free days on purchases.

For jetsetting customers, the Visa Platinum has added benefits. Customers have access to the 24/7 Visa concierge service, complimentary travel insurance, and they can use the card at over 24 million locations worldwide. Even better, cardholders automatically become members of the Visa Entertainment program, which offers exclusive discounts on theatre, music and movie tickets. Just remember, if you do use the card overseas, you'll incur a 2.50% foreign exchange margin. 

The only obvious downside to the Bank First's Visa Platinum credit card is the 5% minimum repayment amount, which is higher than the market average. This isn't a card you want to rack up a massive debt on. 

Who is it good for

The Bank First Visa Platinum credit card is great for anyone who is looking for a high value, low interest credit card. And for customers that are all about interest-free days on purchases, this card comes with up to 55 days. 

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Any catches

Be sure you automate your payments as there is a $20 late payment fee.


Rates and fees information correct as at 23 January 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

9.59% p.a.

0% p.a. for 6 months

No current offer


19.59% p.a.


















Payment options

Apple Pay, Google Pay

Rewards privileges

Travel Insurance

Other benefits

Complimentary overseas travel insurance, Visa Platinum 24/7 Concierge, exclusive Visa Platinum Entertainment offers.

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