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Community First Bank Credit Cards

Keep credit card interest costs to a minimum with a low standard variable interest rate of 8.99% p.a.

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Community First Bank

Community First Bank offers three low rate credit cards and a no interest card. With promotional low rates, competitive annual fees and interest-free days, these cards could suit cardholders who want to reduce their card costs. While the cards offer similar features, the Community First Low Rate Pink credit card donates 50% ($20) of the annual fee to fund McGrath Breast Care Nurses in communities across Australia.

You can compare your Community First Bank credit card options below.

Community First Bank Offer

Community First Low Rate Credit Card

0% p.a. for 12 months on balance transfers

Eligibility criteria, terms and conditions, fees and charges apply

Community First Bank Offer

Offers a 0% balance transfer offer and a low ongoing interest rate on purchases and cash advances.

  • 0% p.a. on balance transfers for 12 months with no BT fee, reverts to 8.99% p.a.
  • Annual fee: $40 p.a. | Additional cardholder fee: $0
  • Purchase rate & cash advance rate: 8.99% p.a.
  • Minimum credit limit: $500 | Interest-free period: Up to 55 days
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Comparison of Community First Bank credit cards

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Community First Low Rate Credit Card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months, then 8.99%
Annual fee
$40
Go to siteMore Info
Save with a 0% balance transfer offer for 12 months and an ongoing 8.99% p.a. interest on purchases and cash advances.
Community First Low Rate Pink credit card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months, then 8.99%
Annual fee
$40
More Info
A basic low rate, no-frills credit card with up to 55 days interest-free that donates half of the card's annual fee to the McGrath Foundation.
Community First Low Rate Blue credit card
Purchase rate p.a.
8.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 12 months, then 8.99%
Annual fee
$40
More Info
Offers a 0% p.a. balance transfer rate for 12 months and donates half of the card's annual fee to the Prostate Cancer Foundation.
Community First n0w Credit Card
Purchase rate p.a.
0%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Balance transfer rate p.a.
N/A
Annual fee
$0
More Info
Pay 0% p.a. interest on purchases and cash advances, with a monthly fee based on your credit limit instead.
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Types of credit card products from Community First Bank

  • Low rate credit cards

Both of the Community First Bank cards can be categorised as low rate credit cards. The Community First Low Rate Pink credit card and Community First Low Rate Credit Card both offer a competitive rate of 8.99% p.a. on purchases, balance transfers and cash advances. Cardholders can also cut costs with up to 55 interest-free days on purchases. Both cards have an annual fee of $40.

Benefits of banking with Community First Bank

  • Support the McGrath Foundation

The Community First Low Rate Pink credit card is one of the few credit cards on the market that is linked with a charity. When you use the Community First Low Rate Pink credit card, half of your annual fee ($20) will be donated to the McGrath Foundation each year.

  • Worldwide access

Cardholders can use the card for cash advances or retail purchases wherever Visa cards are accepted.

  • Single interest rate

Interest rates and cash advance rates are usually different, but cardholders will receive the same competitive interest rate on all transactions made with a Community Union Credit Card. This helps in easy management of repayments and also ensures that customers are not charged exorbitant rates on cash advances.

  • Visa benefits

As Visa products, these cards can be used anywhere Visa is accepted worldwide. It also means that both cards are payWave enabled for contactless payments for up to $100.

  • Low annual fee

These cards have a low annual fee of $40.

  • Additional cards

Cardholders can request for an additional card at no extra cost.

How to apply for a Community First Bank credit card

You can apply for a Community First Bank credit card online. Make sure you meet the following eligibility requirements and prepare the necessary information before you apply:

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Resident. You must be an Australian citizen or a permanent resident of Australia.
  • Credit rating. You must not have a history of debt defaults and must not be bankrupt.

Required documents and information

  • Personal details. You need to provide your name, email address, phone number, marital status, current and previous address and date of birth.
  • Income details. You need to show your income sources.
  • Asset details. Details of assets including real estate, vehicle, savings and investment have to be provided.
  • Expense details. Details about expenses are needed. This also includes existing loans, credit cards, store cards and other debt details.

Community First Bank offers two low rate options that could suit many Australian cardholders. As there are many other low rate products on the market, though, it's wise to compare your options before you apply.

Frequently asked questions

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20 Responses

    Default Gravatar
    MargaretJuly 21, 2023

    I am an aged pensioner with a $71,000 superannuation account and about $70,000 in NAB shares under a dividend reinvestment plan. Own my own home with my husband and have no debts. Am I eligible to apply for a Community First Low Rate Credit Card

      AvatarFinder
      RichardJuly 26, 2023Finder

      Hello Margaret,

      I suggest getting in touch with Community First and enquiring about their eligibility requirements. Ask if it accepts a pension as a form of income. I hope this helps.

    Default Gravatar
    LeanneJuly 8, 2016

    Can I use the card internationally for purchases and cash advances and what are the rates / conversion fees?

      AvatarFinder
      MayJuly 8, 2016Finder

      Hi Leanne,

      Thanks for your question.

      Yes, the Community First Bank Credit Cards – McGrath Pink Visa and Community First Low Rate Visa – can be used overseas for purchases and cash advances. The fees that will be charged when these cards are used abroad are:

      • Overseas Cash Advance Fee = $5
      • Overseas Emergency Replacement = $175
      • Overseas ATM Balance check = $5
      • Overseas ATM Withdrawal Fee = $5
      • Foreign Currency Conversion Fee (VISA) = 3% of transaction value in $AUD

      I have also sent to your email the link where you can find the complete list of Community First Bank credit card fees and charges for your reference.

      I hope this has answered your question.

      Cheers,
      May

    Default Gravatar
    MajellaNovember 8, 2015

    I want to apply for a low interest credit cards with you

      AvatarFinder
      AllyNovember 9, 2015Finder

      Hi Majella,

      Thanks for your inquiry.

      You may refer to a range of low rate credit cards we have listed and compare your options. You can select the “Go to Site” button of your preferred credit card to proceed with your application. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      I hope this has helped.

      Cheers,
      Ally

    Default Gravatar
    gloriaJanuary 26, 2015

    how many cards can I transfer to this card visa or visa or mastercard

      AvatarFinder
      JonathanJanuary 27, 2015Finder

      Hi Gloria,

      Thanks for your inquiry,

      With balance transfers generally lenders have no limit on the number of cards you can balance transfer from. Rather the amount being balance transferred is limited by the credit limit on the new card.

      I hope this helps!

      Cheers,

      Jonathan

    Default Gravatar
    JessDecember 16, 2014

    Hello
    If i was to make a DEFT payment for bond and rent for a new property, what would the interest rate be and does the McGrath Pink Visa offer an interest free period?
    Regards
    Jess

      AvatarFinder
      ElizabethDecember 16, 2014Finder

      Hi Jess,

      Thanks for your question.

      The McGrath Pink Visa charges the same rate of interest for purchases, cash advances and balance transfers, so if you make the transaction during this period you’ll be charged a rate of 4.74% p.a. There is also a 55-day interest-free period on purchases available with this card.

      I hope this has helped.

      Thanks,

      Elizabeth

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