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.

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 McGrath Pink Visa 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

Rates last updated November 19th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
McGrath Pink Visa
4.99% p.a. for 8 months (reverts to 8.99% p.a.)
4.99% p.a. for 8 months
$40 p.a.
A basic, no-frills credit card with up to 55 days interest-free that donates half of the card's annual fee to the McGrath Foundation.
Community First Low Interest Rate Visa
4.99% p.a. for 8 months (reverts to 8.99% p.a.)
4.99% p.a. for 8 months
$40 p.a.
Get up to 55 days interest-free on purchases, an additional cardholder for $0 and a low annual fee.

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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 McGrath Pink Visa and Community First Low Interest Rate Black Visa 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 McGrath Pink Visa Card is one of the few credit cards on the market that is linked with a charity. When you use the McGrath Pink Visa, 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 get 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

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.

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 Credit Union 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 $1,000 and $15,000, respectively. You can request an increase in your card’s credit limit later, but you have to meet certain criteria to qualify.

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.

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.

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.

To report a lost or stolen card during business hours you should call Community First Credit Union on 1300 13 22 77 as soon as possible. When calling after hours, you should call the Visa hotline.

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

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.

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.

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.

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18 Responses

  1. Default Gravatar
    LeanneJuly 8, 2016

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

    • Staff
      MayJuly 8, 2016Staff

      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.


  2. Default Gravatar
    MajellaNovember 8, 2015

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

    • Staff
      AllyNovember 9, 2015Staff

      Hi Majella,

      Thanks for your inquiry.

      Please note that 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.


  3. Default Gravatar
    gloriaJanuary 26, 2015

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

    • Staff
      JonathanJanuary 27, 2015Staff

      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!



  4. Default Gravatar
    JessDecember 16, 2014

    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?

    • Staff
      ElizabethDecember 16, 2014Staff

      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.



  5. Default Gravatar
    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.

    • Staff
      ElizabethDecember 8, 2014Staff

      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.



  6. Default Gravatar
    JSNovember 6, 2014

    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.

    • Staff
      ElizabethNovember 6, 2014Staff

      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.



  7. Default Gravatar
    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.

    • Staff
      ElizabethNovember 3, 2014Staff

      Hi Tim,

      Thanks for your question.

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



  8. Default Gravatar
    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……

    • Staff
      JacobMay 15, 2013Staff

      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
    sueApril 12, 2013

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

    • Staff
      JacobApril 13, 2013Staff

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

Credit Cards Comparison

Rates last updated November 19th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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* The credit card offers compared on this page are chosen from a range of credit cards 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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