Community First Low Rate Blue credit card

Enjoy low rates on your credit card transactions and save with a 0% balance tranfer offer, all while supporting a charitable cause.

The Community First Low Rate Blue helps raise money for the Prostate Cancer Foundation of Australia (PCFA) by donating half of the $40 annual fee to the foundation. This card also charges a competitive 8.99% p.a. interest rate on purchases, cash advances and balance transfers.

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0% p.a.

Balance transfer rate

for 6 months

8.99% p.a.

Purchase rate

$40 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameCommunity First Low Rate Blue credit card
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rateBalance Transfer Revert Rate (8.99%)
Purchase rate8.99% p.a.
Annual fee$40
Interest-free periodUp to 55 days on purchases
Cash advance rate8.99% p.a.
Min credit limit$500
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo

Pros

  • A low annual fee of $40 of which half is donated to the Prostate Cancer Foundation.
  • 0% p.a. for 6 months on balance transfers
  • Same low interest rate of 8.99% p.a. on purchases, cash advances and balance transfers.
  • Request an additional card at no extra cost.

Cons

  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$40
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee3%
Overseas cash advance fee$5
Overseas ATM withdrawal fee$5
Additional cardholder fee$0

Review by


Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Community First Low Rate Blue offers the rare combination of support for a charitable cause and low-cost credit card features. In this case, $20 of your $40 annual fee goes to the PCFA’s efforts to reduce the impact of prostate cancer on people diagnosed with it, as well as their families and others affected by it.

How to apply

You can apply for the Community First Low Rate Blue credit card online, and you should get a response within a few moments of submitting your completed application form. Alternatively, you can visit a Community First retail store or call 1300 13 22 77.

Before you apply, make sure that you meet the eligibility requirements and have all the required documents and details on hand.

Eligibility criteria

  • Australian residency status. You must be an Australian citizen or permanent resident if you want to apply for this card.
  • Income. You must earn a regular income and have been in your current job for more than six months.

Card benefits

  • Prostate Cancer Foundation of Australia support. For every year that you have this card, $20 of your $40 annual fee will be automatically donated to the PCFA. This means that you'll be supporting the foundation's work with people affected by prostate cancer, simply by paying your annual account fee. This partnership is also highlighted by the card's blue design, which also features the PCFA logo.
  • Balance transfer offer. Save on interest costs when paying off existing debt with 0% balance transfer offer for up to 6 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the standard balance transfer rate (currently 8.99% p.a.).

Rates & fees

  • Annual fee. The Community First Low Rate Blue has a $40 annual fee, of which half is donated to the Prostate Cancer Foundation of Australia for each year that you hold the account.
  • International transaction fee. If you use this card overseas or online with a business that processes payments overseas, you'll be charged a fee of 3% per transaction.

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