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.
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Community First n0w Credit Card
Edited by Joselle Delos Reyes
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.Pros
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No interest charges or late payment fees
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No monthly fee when you have a $0 balance and don’t make purchases for a calendar month
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Works with Apple Pay, Google Pay and Samsung Pay
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Use the card anywhere Visa is accepted
Cons
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Maximum available credit limit of $3,000 is low compared to standard credit cards
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Cash advance fees for ATM withdrawals and other cash advance transactions
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3% foreign currency conversion fee
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Doesn't provide rewards, interest-free credit cards such as the Westpac Flex Card do
Details
Product details
| Product Name | Community First n0w Credit Card |
| Purchase rate p.a. | 0% |
| Interest-free period | |
| Min credit limit | $1,000 |
| Max credit limit | $3,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 2.5% of the closing balance or $20, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | $3 |
| Overseas cash advance fee | $5 |
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Amy Finder
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