Community First Credit Union Credit Cards

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

Community First Credit Union offers credit cards with a low rate of 8.99% p.a. These rates apply for retail purchases, balance transfers and cash advances. Interest costs are one of the most onerous expenses within the credit card industry. By using these low rates, the interest costs can be reined in. The card also provides 55 interest-free days which can practically eliminate interest costs if used prudently.

The annual fee for this card is $40. There are two cards: Low Rate Visa Credit Card and McGrath Pink Visa. Both have same fees and features. However by choosing McGrath Pink Visa, cardholders are donating 50% ($20) of the annual fee to fund McGrath Breast Care Nurses in communities across Australia.

Comparison of Community First Credit Union Credit Cards

Rates last updated December 4th, 2016.

McGrath Pink Visa

3.99% interest rate for retail purchases, cash advances and balance transfers for 6 months.

June 16th, 2016

Community First Low Interest Rate Black Visa

3.99% interest rate for retail purchases, cash advances and balance transfers for 6 months.

June 16th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
McGrath Pink Visa
Award winning credit card with a low interest rate offer for 6 months on purchases, balance transfers and cash advances.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. More info
Community First Low Interest Rate Black Visa
Low introductory interest rate offer of 3.99% p.a. for 6 months on purchases, cash advances and balance transfers.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. More info

Types of credit card products from Community First Credit Union

  • Low rate credit cards

Low rate cards are customised to give cardholders maximum benefit in reducing their interest costs. Community First Credit Union has two cards: Low Rate Visa and McGrath Pink Visa, which provide a low interest rate if 8.99% p.a. on an ongoing basis. These rates are applicable for retail purchases, cash advance as well as balance transfers. On an average other low rate cards provide an interest rate in 12-15% p.a. bracket within the credit card industry. Being a credit union, they are able to give lower interest rates which can help customers in reducing their interest bill by a considerable amount. They also offer 55 interest-free days and an additional card at no extra fees. Both Low Rate Visa and McGrath Pink Visa have an annual fee of $40.

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
McGrath Pink Visa
Award winning credit card with a low interest rate offer for 6 months on purchases, balance transfers and cash advances.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. Up to 55 days on purchases More info
Community First Low Interest Rate Black Visa
Low introductory interest rate offer of 3.99% p.a. for 6 months on purchases, cash advances and balance transfers.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. Up to 55 days on purchases More info
 
Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

Benefits of banking with Community First Credit Union

    • Support the McGrath Foundation

Very few credit cards have a charitable side to them. By choosing a McGrath Pink Visa Card, cardholders will be donating half their annual fees ($20) to McGrath Breast Care Nurses across Australia. This card has the same benefits, features and rates as the other card from Community First Credit Union.

    • Worldwide access

These cards are accepted at millions of merchant locations worldwide. Cardholders can use the card for cash advances or retail purchases wherever Visa cards are accepted.

  • Single interest rate

Firms generally have different rates for their cash advances and purchase rate. This is true even for the low rate credit cards. With Community Union Credit Cards cardholders get a single interest rate for balance transfers, retail purchases and cash advances. This helps in easy management of repayments and also ensures that customers are not charged exorbitant rates on cash advances.

  • Visa benefits

Both the cards are payWave enabled. This is a contactless payment method which allows you to shop without any need of signature or entering pin code. Purchases are limited up to $100 through this method. There is an additional security during online purchases where customers can opt for payment on portals which are Verified by Visa.

  • Low annual fee

These cards have a low annual fee of $40.

  • Additional cards

Cardholders can get an additional card at no extra cost.

How to apply for a Community First Credit Union credit card

If this card is suitable for your requirements, you can click on ‘Go To Site’ button. This will securely redirect you to an online application form.

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

  • 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.

Having a low interest credit card can be very helpful in the long run as the debt does not become unmanageable due to rising interest costs. The long term ongoing interest rate on Community First Credit Union credit card is 8.99% p.a. which is very competitive. The lower annual fee also helps in limiting the extra charges on a credit card. These cards provide credit limit from $1,000 to $15,000 which should be able to cover most of the day-to-day purchases.

Frequently asked questions

Here are answers to some of the most commonly asked questions about Community First Credit Union credit cards. If you have a question and your answer isn't listed here or on the page above, you can use the form at the end of the page to ask.

Is the McGrath Pink Visa Card only for Community First members?

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 McGrath Pink Visa Card you will automatically become a member of Community First.

How quickly can I complete the application?

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. You can quit your application in between, and it remains available for 60 days.

How do I know if my application has been successful?

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 Credit Union upon a successful application.

How do I activate my credit card?

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.

How is interest charged to my card

The interest rate as with most credit cards is calculated on a daily basis. It will be charged to your account monthly.

How much will I need to repay?

Your credit card statement will come with a stated minimum payment. This is what you have to pay at the very least. Repayments of cards are generally 3% of the closing balance, or $20 whatever is the greater amount.

Be sure to pay more than the minimum each month.

What repayment options do I have?

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.

I’m really struggling with my repayments, what can I do?

The first thing is to be upfront about it and speaking with a local representative of Community First. Fast action is often the first line of defence if you struggle with your finances.

What credit limit might I get and can I ask for an increase later?

The minimum and maximum credit limits of these cards are $1,000 and $15,000, respectively. You can request an increase in your card’s credit limit later, but to qualify you have to meet certain criteria.

How often do I receive a credit card statement?

Community First Credit Union 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.

How can I add an additional cardholder?

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.

You will be required to provide details and information about the additional cardholder; their card will be configured exactly like the primary card.

The primary cardholder is liable for all spending on the account and the credit limit is shared between the primary and additional cardholders.

How can I transfer balances from existing credit cards?

If you wish to transfer balances from existing credit cards or store cards you can provide all the relevant details as part of your credit card application. Alternatively, you can provide the same to the Community First rep who contacts you with information about your card’s pre-approval.

What should I do if I lose my card?

To report a lost or stolen card during business hours you should call Community First Credit Union as soon as possible. When calling after hours, you should call the Visa hotline.

I can't remember my PIN?

Contact Community First by calling 1300 13 22 77 to discuss your options or visit a local branch.

What is Visa PayWave?

Visa PayWave is a special credit card feature which allows you to tap your credit card against contactless payment terminals to pay for purchases. There’s no need to enter your PIN for transactions under $100.

What is verified by Visa?

Verified by Visa is an extra layer of security, which protects you from fraudulent transactions made online. Verified by Visa requires that you set an extra ‘online only’ password for online shopping.

How can I help the McGrath foundation?

Half the annual fee for the McGrath Pink Visa Card is donated to the McGrath foundation to help fund the placement of breast cancer nurses.

Visit the McGrath Foundation to donate.

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Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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18 Responses to Community First Credit Union Credit Cards

  1. Default Gravatar
    Leanne | July 8, 2016

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

    • Staff
      May | July 8, 2016

      Hi Leanne,

      Thanks for your question.

      Yes, the Community First Credit Union 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 Credit Union credit card fees and charges for your reference.

      I hope this has answered your question.

      Cheers,
      May

  2. Default Gravatar
    Majella | November 8, 2015

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

    • Staff
      Ally | November 9, 2015

      Hi Majella,

      Thanks for your inquiry.

      Please note that finder.com.au is an online comparison service and is not a product issuer.

      However, you may refer to this page for the different low rate credit card options.

      To apply, simply click on the “Go to site” button of your preferred card.

      I hope this has helped.

      Cheers,
      Ally

  3. Default Gravatar
    gloria | January 26, 2015

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

    • Staff
      Jonathan | January 27, 2015

      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

  4. Default Gravatar
    Jess | December 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

    • Staff
      Elizabeth | December 16, 2014

      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

  5. Default Gravatar
    Kanaffa | December 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.

    • Staff
      Elizabeth | December 8, 2014

      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

  6. Default Gravatar
    JS | November 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

    • Staff
      Elizabeth | November 6, 2014

      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

  7. Default Gravatar
    Tim | November 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

    • Staff
      Elizabeth | November 3, 2014

      Hi Tim,

      Thanks for your question.

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

      Thanks,

      Elizabeth

  8. Default Gravatar
    Karen | May 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……

    • Staff
      Jacob | May 15, 2013

      HI Karen. I had to remove your last name from this post for privacy reasons. Please refer to this article. 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 talk back radio that day. Jacob.

  9. Default Gravatar
    sue | April 12, 2013

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

    • Staff
      Jacob | April 13, 2013

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

Credit Cards Comparison

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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