Community First Credit Union Credit Cards

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.