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Community First Credit Union Credit Cards
Keep credit card interest costs to a minimum with a low standard variable interest rate of 8.99% p.a.
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Community First Credit Union offers two 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. While both cards offer similar features, the Community First Low Rate Pink credit card also donates 50% ($20) of the annual fee to fund McGrath Breast Care Nurses in communities across Australia.
You can compare your Community First Credit Union credit card options below.
Comparison of Community First Credit Union credit cards
Types of credit card products from Community First Credit Union
Low rate credit cards
Both of the Community First Credit Union 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 Credit Union
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 Credit Union credit card
You can apply for a Community First Credit Union 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 Credit Union 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
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More guides on Finder
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Community First Low Rate Blue credit card
Half of your annual fee will be automatically donated to the PCFA, while you can enjoy a low interest rate on purchases, cash advances and balance transfers.
-
Community First Low Rate Credit Card
The Community First Low Rate is a Visa credit card with a competitive 8.99% p.a. variable rate for purchases, balance transfers and cash advances.
-
Community First Low Rate Pink credit card
This card donates 50% of the annual fee to the McGrath Foundation and offers a low variable rate of 8.99% p.a.
Ask an Expert
Can I use the card internationally for purchases and cash advances and what are the rates / conversion fees?
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:
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
I want to apply for a low interest credit cards with you
Hi Majella,
Thanks for your inquiry.
You may refer to a range of low rate credit cards we have listed and compare your options. You can select the “Go to Site” button of your preferred credit card to proceed with your application. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this has helped.
Cheers,
Ally
how many cards can I transfer to this card visa or visa or mastercard
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
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
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
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