Country First Credit Cards

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Do you want a credit card that rewards spending? If so, Country First might have something for you.

Country First Credit Union began operations in the form of the Murrumbidgee Mutual Credit Union more than four decades ago. Murrumbidgee Mutual merged with Agristaff Credit Union, and operated under the latter’s name until 1998. In this year, after the relocation of the Department of Agriculture’s head office to Orange, the credit union closed its Sydney office and relied on its Griffith and Leeton offices to focus on the Murrumbidgee Irrigation Area (MIA).

Country First now has offices in Leeton, Griffith, and Narrandera, as well as an agency in Hay. Amongst other financial services and products, it offers its members credit cards in association with Citi.

Comparing the Country First Credit Card

Rates last updated May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Country First Credit Union Silver MasterCard
Receive up to 55 days interest-free and the PayLite payment option.
17.75% p.a. $35 p.a.

Types of credit cards the Country First offers

Country First, through a special arrangement with Citi, gives its members the ability to apply for a Citi MasterCard, where Citi makes the final decision on your application, and your contract is with Citi. Further details are as follows.

  • Rewards credit cards

You can choose between two rewards credit cards through Country First, the Silver MasterCard and the Gold MasterCard. Both these cards offer special balance transfer rates, and you can take advantage of up to 55 interest-free days on purchases.

Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Country First Credit Union Silver MasterCard
Receive up to 55 days interest-free and the PayLite payment option.
1 $35 p.a.
Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75 0 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info

Learn more about rewards credit cards

Benefits of Country First credit cards

Both these credit cards, given their MasterCard affiliation, are ones you can use the world over, at ATMs, EFTPOS terminals, online, and over the phone. These cards come with a bunch of other benefits as well.

  • Rewards program

Silver cardholders are automatically enrolled in the Standard Rewards program and Gold cardholders can also enrol in the BlueSky Rewards program by paying a slightly higher annual fee. With the latter, cardholders can redeem their points for Qantas Frequent Flyer points.

  • PayLite plan

The PayLite plan allows cardholders to spread the cost of repaying purchases exceeding $500 over 6, 12, 18, 24, or 36 months. Under this plan, the amount attracts a lower interest rate, and you have to make monthly repayments. After making an eligible purchase, you'll have 14 days to register the purchase as a PayLite purchase, and this payment plan does not attract any penalty for early repayment.

  • Complimentary insurance

The Gold MasterCard comes with complimentary international travel and accident insurance as well as purchase cover, whereas the Silver MasterCard comes with purchase cover. Purchase cover offers protection against damage, theft, or loss with three months from purchase. International travel insurance provides cover against medical expenses, trip cancellations, unexpected travel expenses, loss or damage to personal items and personal liability.

  • Balance transfer

If you're struggling to repay a debt that's incurring high interest, you can conduct a balance transfer with a Country First credit card to take advantage of a competitive low balance transfer rate for a promotional period.

Applying for a Country First credit card

Once you've picked a Country First credit card that works for you, click on the corresponding ‘Go to Site’ button. Before you move forward with the application, though, make sure you meet the eligibility criteria.

Eligibility criteria

  • Age. Applicants must be at least 18 years old.
  • Residency. You must be a permanent resident of Australia to apply for the card.
  • Income. You should also meet minimum income criteria, which is $15,000 p.a. for the Silver MasterCard and $35,000 p.a. for the Gold MasterCard.
  • Credit history. Applicants will only be approved if they have a good credit history.

Required information

To complete the application you have to provide information about yourself, your employment, and your finances:

  • Personal details. These include your name, date of birth, phone number, email address, residential address, and driver’s license number.
  • Employment details. This includes employment status and your employer’s name and contact details.
  • Financial details. You'll need to provide information regarding all of your sources of income including investments in real estate and shares. Expenditure includes rent, mortgage payments, utility bills, child support and alimony payments, school fees, and so on. Under assets, you have to list equity in your home and any other real estate, investments, and savings. You also have you list out your liabilities which include loans and credit cards.
  • Balance transfer details. If you want to conduct a balance transfer with your new card, you'll need to provide information regarding how much you'd like to transfer and the details of your existing account.

What happens after applying?

If you have to submit any more information you’ll receive a phone call. In addition, you can help in moving the process along quicker by letting your employer’s human resource department know about the probable income verification call.

If you’re not a Country First member you have to complete an identity verification process, as required by the Australian government. You have to complete this process before you receive your credit card, and you might have to visit a Country First Branch for the same.

Frequently asked questions

A number of questions pop up when it comes to Country First credit cards, and here are answers to the ones asked most commonly.

The credit union is a mutual financial services organisation and as such is owned by its members, each one of whom is a shareholder. Therefore you must be a member prior to your MasterCard being issued.

You should be able to complete the online application in about 10 minutes. You have the option of saving the application in between and accessing it later.

Yes. After you complete your application you receive an email with an application ID which you can use to check the status of your application online.

Yes, you can get up to four additional cards for free, and these can be for your partner, family members, or other dependents over 16 years old.

The minimum credit limits of the Silver and Gold cards are $2,000 and $5,000 respectively. You can apply for an increase in your original limit but its approval is subject to Citi’s credit criteria. The maximum credit limit for the Silver MasterCard is $7,500 and for the Gold MasterCard this changes to $25,000.

While membership to the Standard Rewards program is free with both cards, if you have the Gold MasterCard you can also join the BlueSky Rewards program by paying an annual fee.

You can find out how many points you have online or over the phone. In addition, you receive a rewards statement every quarter.

Your points in the Standard Rewards Program don’t expire, as long as your credit card account is open and I good standing.

You can redeem reward points you earn through the Standard Rewards Program for travel rewards through Take Flight, or for a range of merchandise, store vouchers, or your card’s annual fee. Through the BlueSky Rewards program, you can redeem your reward points for Qantas Frequent Flyer points. Customers should contact the Rewards Service Centre to redeem their points for rewards. The Rewards Service Centre can be contacted by phone on 1300 136 551.

You can make payments towards your MasterCard via electronic funds transfer from just about any Australian bank account. You have the option to mail in a cheque or you can also drop one in by visiting a branch. Other payment options include BPAY, Easi-Pay, and Bank@Post.

Since Citi issues these credit cards, you have to report a lost or stolen card by calling the Citi credit cards department at 13 24 84. You can call this number 24/7.

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