Community First Bank Credit Cards

Keep credit card interest costs to a minimum with a low standard variable interest rate of 9.99% p.a.

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Sally McMullen

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Community First Bank

Key takeaways

  • Community First Bank offers three low rate credit cards. With promotional low rates, competitive annual fees and interest-free days, these cards could suit cardholders who want to reduce their card costs.
  • The Community First Low Rate Pink credit card donates half the annual fee to fund McGrath Breast Care Nurses in communities across Australia.

Compare Community First Bank credit cards

Checked 10 November 2026
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 image
Community First Low Rate Credit Card
9.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
9.99%
Annual fee
$50
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Community First Low Rate Blue credit card image
Community First Low Rate Blue credit card
9.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
9.99%
Annual fee
$50
A no-frills credit card that donates half of the card's annual fee to the Prostate Cancer Foundation of Australia.
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Community First Low Rate Pink credit card image
Community First Low Rate Pink credit card
9.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
9.99%
Annual fee
$50
Supports the McGrath Foundation by donating half of the card’s annual fee.
View details
Compare product selection
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Finder Awards badge

Congratulations, Community First!

Community First was a big winner in the 2026 Finder Awards.

  • Highly Commended, Best Balance Transfer Credit Card: Community First Low Rate Credit Card
  • Highly Commended, Best Low Rate Credit Card: Community First Low Rate Credit Card

Full list of 2026 credit cards winners

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 ($25) 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 offer contactless payments.

Additional cards

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

How to apply for a Community First Bank credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

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Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020. See full bio

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20 Responses

    Kanaffa's avatar
    KanaffaDecember 6, 2014

    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.

      Elizabeth Barry's headshotFinder
      ElizabethDecember 8, 2014Finder

      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

    JS's avatar
    JSNovember 6, 2014

    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

      Elizabeth Barry's headshotFinder
      ElizabethNovember 6, 2014Finder

      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

    Tim's avatar
    TimNovember 1, 2014

    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

      Elizabeth Barry's headshotFinder
      ElizabethNovember 3, 2014Finder

      Hi Tim,

      Thanks for your question.

      I’ve emailed you a link where you can find some more information on this card.

      Thanks,

      Elizabeth

    Karen's avatar
    KarenMay 15, 2013

    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……

      Jacob's avatarFinder
      JacobMay 15, 2013Finder

      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

    sue's avatar
    sueApril 12, 2013

    what a great credit card idea please send me more info on this regards sue pollock

      Jacob's avatarFinder
      JacobApril 13, 2013Finder

      Hi Sue. I’ve sent some information to your email. Jacob.

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