In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Community First n0w Credit Card
Terms and conditions apply
Purchase rate
0% p.a.
Annual fee
$0 p.a.

Our verdict

This credit card offers no interest on purchases or cash advances, with a monthly fee between $9 and $19 instead.

The Community First n0w Credit Card is one of the few credit cards in Australia that doesn’t charge interest, with a $9 to $19 monthly fee instead. Similar to other no interest cards, the flat monthly fee is based on the credit limit – and can be waived if you don’t owe anything and don't use the card for a month.

Unlike most other cards in this category, the Community First n0w allows cash advance transactions (such as ATM withdrawals). But you'll pay a cash advance fee of $3 in Australia and $5 overseas. There's also a 3% international transaction fee – so you’ll typically have fewer costs on this card if you're shopping in Australia instead of overseas.


  • No interest charges or late payment fees
  • No monthly fee when you have a $0 balance and don’t make purchases for a calendar month
  • Works with Apple Pay, Google Pay and Samsung Pay
  • Use the card anywhere Visa is accepted


  • Maximum available credit limit of $3,000 is low compared to standard credit cards
  • Cash advance fees for ATM withdrawals and other cash advance transactions
  • 3% foreign currency conversion fee
  • Doesn't provide rewards, interest-free credit cards such as the Westpac Flex Card do

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Community First n0w is a no interest credit card that charges a flat, monthly fee when you use it. This fee is based on your credit limit and you have 3 choices: a $1,000 limit and a $9 monthly fee; a $2,000 limit and a $14 monthly fee; or a $3,000 limit and a $19 monthly fee.


Product details

Product Name Community First n0w Credit Card
Purchase rate p.a.
Interest-free period
Min credit limit $1,000
Max credit limit $3,000
Card type Visa


Available to temporary residents No


Bonus points N/A


Annual fee
Minimum monthly repayment 2.5% of the closing balance or $20, whichever is greater
Late payment fee $0
Foreign currency conversion fee
Cash advance fee $3
Overseas cash advance fee $5

How to apply

You can apply for the Community First n0w Credit Card online by filling in a secure application form on the Community First website. To get started, check that you meet the eligibility criteria and have all the details and documents needed for the application.

Eligibility criteria

  • Australian residency status. You can apply for this card if you're an Australian citizen or permanent resident.
  • Income requirement. You must earn a regular income and have been in your current job for over 6 months.

Card benefits

  • No interest charges. The Community First n0w Credit Card doesn't charge interest on your purchases or cash advances, but you do still have to meet minimum monthly repayments.
  • No monthly fee if you don't use the card. The monthly fee on this card won't be charged if you have a $0 balance for an entire calendar month and don't use the card for that calendar month.

Rates & fees

  • Monthly fee. The Community First n0w charges the following monthly fees based on the card's credit limit:
    • $9 monthly fee for a $1,000 limit
    • $14 monthly fee for a $2,000 limit
    • $19 monthly fee for a $3,000 limit
  • Cash advance fee. If you use this card to withdraw cash or make any other cash advance transactions, a fee of $3 will apply in Australia. Overseas, there is a $5 cash advance fee.

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