---
title: "VISA CREDIT CARD — First Option Bank"
description: "Credit & Charge Cards from First Option Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/first-option-bank/products/VISA_CREDIT_CARD
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-02T12:56:29.000+10:00
---

# VISA CREDIT CARD — First Option Bank

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

**Credit & Charge Cards · FIRST OPTION BANK**

Low Rate Visa Credit Card

## At a glance

- **Purchase rate:** 10.49%
- **Annual fee:** $48.00

## Apply

Applications are handled by the provider: [Apply at First Option Bank](https://www.firstoptionbank.com.au/credit-card-enquiry/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 10.49% | — | — |
| Cash advance | 17.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CREDIT_CARD_ANNUAL_FEE — Charged yearly · Discount −100% of fee — Credit Card Annual Fee (eligibility: Other: If you have a Complete Home Loan with First Option you will not be charged this fee) | Ongoing | $48.00 |

## Features

- **Card access** (Visa Card)
- **Interest-free period** (up to 45 days on purchases)
- **Digital wallet** (Google, Apple Pay, Samsung Pay)
- **Digital banking**
- **Real-time payments (NPP)**
- **Notifications** (Email, SMS)

## Eligibility

- **Residency status** — Australian Residents
- **Individuals only**
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $500.00

## More information from First Option Bank

- [Overview](https://www.firstoptionbank.com.au/credit-card/)
- [Terms & conditions](https://firstoptionbank.com.au/disclosure-statements/)
- [Eligibility](https://firstoptionbank.com.au/disclosure-statements/)
- [Fees & pricing](https://firstoptionbank.com.au/disclosure-statements/)

## Data provenance

- Published by First Option Bank under the Consumer Data Right
- Product ID: `VISA_CREDIT_CARD`
- Last updated by the provider: 2 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/first-option-bank/VISA_CREDIT_CARD
- Provider page: https://www.cdrcompare.au/brands/first-option-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000042

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/first-option-bank/products/VISA_CREDIT_CARD) — 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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