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.
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
To become a member of Community First, you need to open a new account or become a signatory to one of their accounts. If you apply for a Community First Low Rate Pink credit card, you will automatically become a member of Community First.
The online application can be completed in as little as 10 minutes. If you’re approved, it usually takes one to two weeks before the card is ready to be collected or arrives in the mail. The card will need to be activated before it can be used — this can be done over the phone.
Once you complete an application for the Community First credit card, you will be contacted within minutes of completing the online application to verify the status of your application. If this is not the case, get in touch with Community First on 1300 13 22 77.
You will be contacted by phone from the Community First Bank upon a successful application.
Before you start using your Community First credit card you will need to activate it. To activate your card, log onto your credit cards internet banking facility or call Community First directly on 1300 13 22 77.
The interest rate as with most credit cards is calculated on a daily basis. It will be charged to your account monthly.
You'll need to pay a minimum of 3% of your total amount or $20 (whichever is greater) by the due date detailed on your statement each month.
You can make automatic transfers from savings and transaction accounts that you hold with other banking institutions, and you can make payments via online and phone banking. You can make payments by visiting a Community First financial services store, and you can also make payments via BPAY.
The minimum and maximum credit limits of these cards are $500 and , respectively. You can request an increase in your card’s credit limit later, but you have to meet certain criteria to qualify.
Community First Bank dispatches credit card statements on a monthly basis. You can request a duplicate statement by calling the Credit Union at 1300 13 22 77. If you use online banking or telephone banking you can also access your statements for convenience.
You can elect to add an additional card to the account, for any individual aged over 18 years. You can do so over the phone, online, or by visiting a Community First financial services store.
The primary cardholder is liable for all spending on the account and the credit limit is shared between the primary and additional cardholders.
To report a lost or stolen card during business hours you should call Community First Bank on 1300 13 22 77 as soon as possible. When calling after hours, you should call the Visa hotline.
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Written by
Sally McMullen
Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full profile
I live in Tasmania, and like so many other women, my whole childhood was affected by breast cancer, as my beautiful mother passed away in her 37th year, leaving my sisters and me, aged 5,3 and 7. Our dad wad great.but his life was shattered as well, having only been in Australia for just over 12 years. He came, like so many did, from war-torn Europe and left his family behind not knowing if any had survived or not.
So my life started off tough and I must admit that i still have to work hard to feel peace, joy and happiness. The last 15 years have been especially difficult and that was why I was hoping to find a bank/credit union with a particular feeling for those of us who have had a difficult time, financially and emotionally with the main reason being lack of physical good health. in the area
however, is your credit card available to people who don’t live in that region you described.
Living in Tasmania has many advantages, but having access to excellent medical care can occasionally be slightly “hit and miss!” Is it possible for someone like me, who is a retired teacher/Deputy Principal in a senior government boys’ school and has an excellent superannuation package of approx. $62,000 per annum and a rented investment apartment in a beachside suburb only 6 km from the GPO.
Community First doesn’t specify that you need to live3 in NSW in order to become a member and apply for one of their products, however they only have physical locations in NSW at the present time. You sound like you may be eligible for a card from them, but if you have specific questions about your eligibility they may be better directed to Community First.
Hi
I am interested in a balance transfer from my existing card to one of your low rate visa card. I live in Sydney. Do you have branches in Sydney where repayments can be made in person or how does it work? Thanks.
JS
You are able to make credit card payments in person. There are Community First branches in Bankstown, Liverpool and Rouse Hill. You can check the specific location details on the Community First website.
I have seen the offer by Community First. Apart from I am not in NSW (which I don’t think will be a problem). What is the catch?
IK am looking at transferring my Mastercard to the Community First Visa
Can you send me more information please.
thanks
I have an impeccable credit history but despite this I have been declined a credit card with Coles MasterCard and American Express/Qantas No Fee credit card. My only summation is that I am in receipt of the aged pension and although none will admit this is the reason for rejection I can only surmise that (a) I will not be generating sufficient sales for these credit agencies to make any money from me and (b) My Pension Income is way below their expectations.
Would appreciate your observations and comments after hearing all about C>F> with Alan Jones this week.
Kind Regards Karen B.. ps there are lots of Karen B’s……
I had to remove your last name from this post for privacy reasons.
You may want to read our guide about credit card application rejection and know more about the possible reasons applications got declined.
I wrote it after Bankwest rejected my credit card application and didn’t really offer a reason why. I can only speculate as to why you’ve been declined. Hopefully, this article can offer some insights for you.
P.S what did Alan Jones say? I must have missed talkback radio that day.
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I live in Tasmania, and like so many other women, my whole childhood was affected by breast cancer, as my beautiful mother passed away in her 37th year, leaving my sisters and me, aged 5,3 and 7. Our dad wad great.but his life was shattered as well, having only been in Australia for just over 12 years. He came, like so many did, from war-torn Europe and left his family behind not knowing if any had survived or not.
So my life started off tough and I must admit that i still have to work hard to feel peace, joy and happiness. The last 15 years have been especially difficult and that was why I was hoping to find a bank/credit union with a particular feeling for those of us who have had a difficult time, financially and emotionally with the main reason being lack of physical good health. in the area
however, is your credit card available to people who don’t live in that region you described.
Living in Tasmania has many advantages, but having access to excellent medical care can occasionally be slightly “hit and miss!” Is it possible for someone like me, who is a retired teacher/Deputy Principal in a senior government boys’ school and has an excellent superannuation package of approx. $62,000 per annum and a rented investment apartment in a beachside suburb only 6 km from the GPO.
Hi Kanaffa,
Thanks for your question.
Community First doesn’t specify that you need to live3 in NSW in order to become a member and apply for one of their products, however they only have physical locations in NSW at the present time. You sound like you may be eligible for a card from them, but if you have specific questions about your eligibility they may be better directed to Community First.
I hope this has helped.
Thanks,
Elizabeth
Hi
I am interested in a balance transfer from my existing card to one of your low rate visa card. I live in Sydney. Do you have branches in Sydney where repayments can be made in person or how does it work? Thanks.
JS
Hi JS,
Thanks for your question.
You are able to make credit card payments in person. There are Community First branches in Bankstown, Liverpool and Rouse Hill. You can check the specific location details on the Community First website.
I hope this has helped.
Thanks,
Elizabeth
I have seen the offer by Community First. Apart from I am not in NSW (which I don’t think will be a problem). What is the catch?
IK am looking at transferring my Mastercard to the Community First Visa
Can you send me more information please.
thanks
Hi Tim,
Thanks for your question.
I’ve emailed you a link where you can find some more information on this card.
Thanks,
Elizabeth
I have an impeccable credit history but despite this I have been declined a credit card with Coles MasterCard and American Express/Qantas No Fee credit card. My only summation is that I am in receipt of the aged pension and although none will admit this is the reason for rejection I can only surmise that (a) I will not be generating sufficient sales for these credit agencies to make any money from me and (b) My Pension Income is way below their expectations.
Would appreciate your observations and comments after hearing all about C>F> with Alan Jones this week.
Kind Regards Karen B.. ps there are lots of Karen B’s……
Hi Karen,
I had to remove your last name from this post for privacy reasons.
You may want to read our guide about credit card application rejection and know more about the possible reasons applications got declined.
I wrote it after Bankwest rejected my credit card application and didn’t really offer a reason why. I can only speculate as to why you’ve been declined. Hopefully, this article can offer some insights for you.
P.S what did Alan Jones say? I must have missed talkback radio that day.
I hope this helps.
Regards,
Jacob
what a great credit card idea please send me more info on this regards sue pollock
Hi Sue. I’ve sent some information to your email. Jacob.