---
title: "Platinum Credit Card — Bank First"
description: "Credit & Charge Cards from Bank First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-first/products/22e0e7ff-db3f-4934-9c47-730ac3a1b980
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-15T23:24:20.344287Z
---

# Platinum Credit Card — Bank First

> Credit & Charge Cards from Bank First. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Bank First Production**

Platinum Credit Card Account

## At a glance

- **Purchase rate:** 11.49%
- **Annual fee:** $30.00

## Apply

Applications are handled by the provider: [Apply at Bank First](https://apply.bankfirst.com.au/Integate/frmIntegate.aspx?company=VTMB&merchant=VTMB&operator=WEB&encp=DCVQRsiMd4t5HMKYD2ht0jlNCxa%2b09p7HVdilWCCsu4%3d5egBQlp30a4TpwxSkFA8jw%3d%3d&product=AU)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 11.49% | — | — |
| Balance transfer | 11.49% | — | — |
| Cash advance | 19.59% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Currency Conversion Fee | Transaction | 0% of transaction |
| Replacement Card Fee — $12.00 Staff Assisted and $8 via Mobile Banking App | Replacement | $8.00 |
| Credit Card Cash Advance At Bank@Post | Cash advance | $2.50 |
| Express Posting Of Card Or Pin In Australia | Event | $15.00 |
| Arrears Fee — 7 · $20 Payable immediately if all or any part of a repayment is 7 days in arrears. A further Arrears Fee of $20 is payable at the expiry of 30 days after the account falls into arrears if all or any part of the repayment remains in arrears. | Late payment | $20.00 |
| Issue Card Or Pin Internationally By Registered Mail — $15 dollars per item | Event | $15.00 |
| Inactive Membership Fee — Charged yearly | Ongoing | $30.00 |
| Credit Card Bankfirst Atm Withdrawal | Cash advance | $2.50 |
| Visa Debit Over The Counter Cash Advance | Cash advance | $2.50 |
| Emergency Overseas Replacement Card Fee — Discount −$0.00 — This Fee is waived for Platinum credit card holders (eligibility: Other: Fee is waived for Platinum credit card holders) | Replacement | $150.00 |
| Visa Platinum Credit Card Annual Fee — Charged yearly · Discount −$99.00 — Fee waived for Premier Package Home Loan (eligibility: Other: Annual fee waived for Premier Package Home Loan) | Ongoing | $99.00 |
| Visa Debit Card Overseas Atm Withdrawals — The ATM operator may charge a fee at the time of the transaction | Cash advance | $2.50 |

## Features

- **Interest-free period** — 55 days (Up to 55 days interest free)
- **Balance transfers**
- **Card access** — Visa Platinum Credit Card
- **Other service related charges apply based on your circumstances**
- **Digital banking**
- **PayID**
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Discounts on other products** — Visa offers and perks. Unlock a range of discounts with your Visa Platinum card, including car rentals, hotels while enjoying 24/7 concierge service.

## Eligibility

- **Residency status** — 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.
- **Minimum age** — 18 years
- **Available to members only.**

## Constraints

- **Minimum limit** — $6,000.00

## More information from Bank First

- [Overview](https://www.bankfirst.com.au/bank-accounts/credit-cards/visa-platinum)
- [Terms & conditions](https://www.bankfirst.com.au/disclosure-documents)
- [Eligibility](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6)
- [Fees & pricing](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37)

## Data provenance

- Published by Bank First under the Consumer Data Right
- Product ID: `22e0e7ff-db3f-4934-9c47-730ac3a1b980`
- Last updated by the provider: 15 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-first/22e0e7ff-db3f-4934-9c47-730ac3a1b980
- Provider page: https://www.cdrcompare.au/brands/bank-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000112

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-first/products/22e0e7ff-db3f-4934-9c47-730ac3a1b980) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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