Community First Low Rate Pink credit card

Cut on costs with low interest rates and a 0% for 6 months balance transfer offer while supporting the McGrath Foundation.

This low-cost Community First credit card gives you a way to show support for breast cancer, as half of the $40 annual fee is donated to the McGrath Foundation every year.

It also offers up to 55 days interest-free on purchases when you pay the total outstanding balance by the due date on each statement.

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Amy Bradney-George

Last Updated Mar 9, 2021

0% p.a.

Balance transfer rate

for 6 months

8.99% p.a.

Purchase rate

$40 p.a.

Annual fee

55 days

Interest free period

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Details

Product Name	Community First Low Rate Pink credit card
Balance transfer rate	0% p.a. for 6 months
Balance transfer revert rate	Balance Transfer Revert Rate (8.99%)
Purchase rate	8.99% p.a.
Annual fee	$40
Interest-free period	Up to 55 days on purchases
Cash advance rate	8.99% p.a.
Min credit limit	$1,000
Max credit limit	$15,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	No
Joint application	No

Pros

A low annual fee of $40 of which half is donated to the McGrath Foundation
0% p.a. for 6 months on balance transfers
Same low interest rate of 8.99% p.a. on purchases, cash advances and balance transfers
Request an additional card at no extra cost

Cons

Charges a 3% foreign transaction fee

Bonus points	N/A

Annual fee	$40
Minimum monthly repayment	3% of the closing balance or $20, whichever is greater
Late payment fee	$25
Foreign currency conversion fee	3%
Overseas cash advance fee	5%
Overseas ATM withdrawal fee	$5
Additional cardholder fee	$0

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Community First Low Rate Pink credit card is one of the only charity credit cards available in Australia –with 50% of the annual fee helping to fund McGrath breast care nurses. These nurses offer free care and support for people experiencing breast cancer and work in communities all around the country.

As well as supporting the McGrath Foundation, this card’s 8.99% variable interest rate is very competitive with other low rate options. Unlike most credit cards, this interest rate also applies to balance transfers and cash advances, which can make it easier to keep track of interest charges if you have balances from a few different types of transactions.

The Community First Low Rate Pink credit card also offers contactless payments at the checkout and up to 55 days interest-free on purchases if you pay your full balance by the due date on each statement. It also won the 2017 Finder Awards for Best Low Rate Credit Card.

How to apply

You can apply for the Community First Low Rate Pink credit card online by filling out a secure application form on the Community First website. Get started by making sure you meet the eligibility criteria and have all the documents and details you'll need to provide when you apply.

Eligibility criteria

Income requirement. You must earn a regular income to apply for this card.
Residency. You must be an Australian citizen or permanent resident.

Credit history.You must not be an undischarged bankrupt or have a history of outstanding credit defaults.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, email address, residential address, contact number and date of birth. You also need to provide a valid form of ID, such as your driver's license or passport.
Employment details. This covers your employment status, occupation, salary and employer's contact details. You may also be asked for supporting documentation, such as recent payslips or bank statements.
Financial details. You can share details of any other forms of income, such as government payments or pensions. You will also need to provide details of your assets and savings, as well as existing loans, debts and regular household expenses.

Card benefits

McGrath Foundation support. Each year you have this card, $20 of the annual fee is automatically donated to the McGrath Foundation to help support breast care nurses that look after people experiencing breast cancer. This unique credit card partnership is highlighted through the card's bright pink design, which includes the McGrath Foundation logo.
Balance transfer offer. Transfer an existing debt to this card and save with 0% interest on balance transfers for the first 6 months. If you don't pay it off in full by the end of the introductory period, any remaining debt will attract the 8.99% p.a. interest rate.

8.99% p.a. interest rate. While most low rate credit cards charge different interest rates for purchases, cash advances and balance transfers, the Community First Low Rate Pink credit card applies the same rate to all of these transactions. This can make it easier to keep track of interest charges and your balance.
Internet and mobile banking. Check your balance and manage your account easily via Internet banking or with the Community First mobile banking app. This card is also compatible with Apple Pay, Samsung Pay and Google Pay for contactless payments through your smart device.
Visa benefits. Make tap-and-go payments at the checkout with Visa payWave, get extra security online through Verified by Visa and enjoy peace of mind with Visa Zero Liability for fraudulent transactions. Plus, get access to exclusive hotel perks, travel and shopping deals through Visa Offers + Perks.

Rates & fees

Annual fee. The $40 annual fee on this card is competitive with other low rate credit cards – plus half is donated to charity.
Interest-free days on purchases. If you pay off your total outstanding balance by the due date on each statement, you'll get up to 55 days interest-free on purchases in the next statement period. Note that interest-free days don't apply to cash advances or balance transfers.

International transaction fee. A fee of 3% applies when you use this card overseas or online with a business that processes the payment overseas.
Overseas cash advance fee. If you use this card to withdraw cash overseas, you'll pay a fee of 5% per withdrawal. Interest charges will also apply from the date of the transaction.

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65 Comments

Nicole
August 14, 2019

How l can apply for this credit card?

finder Customer Care

Jhez
August 14, 2019

Hi Nicole,

Thank you for your comment.

You can apply for the McGrath Pink Visa online by filling out a secure application form on the Community First website. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

Regards,
Jhezelyn

Rosalea
August 4, 2019

What is the maximum balance transfer?How do i go about doing this? I live in a small town with only the three main banks.Is this card accepted at all atm’s?How many balance transfers can i do?

Nikki
August 5, 2019

Hi Rosalea,

Thanks for your questions.

This card has a maximum credit limit of $15,000, however, the maximum balance transfer and balance transfer frequency will depend on the bank’s approval of your application. This card is accepted in ATM’s where a Visa is accepted and note that there is a Cash Advance Rate (8.99% p.a.).

To get started with your application, check the part of our page that says “How to apply.” As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

Hope this helps!

Cheers,
Nikki

Robert
January 14, 2019

I would like to credit card that has low interest rate, no annual fees, no atm fees and low if any foreign currency withdraw fee.

Also is there a loyalty card that can provide this?

Nikki
January 15, 2019

Hi Robert,

Thanks for getting in touch! Those features you want are all available in cards but not all 4 will be available in one card. Below are the links you can review:

These pages have a comparison table you can use to find the card that suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

Hope this was helpful. Don’t hesitate to message us back if you have more questions.

Best,
Nikki

Sinai
April 1, 2018

How to become a member in order to apply for a McGrath Pink visa card? How do I get an application for the credit card?
Thanks.

finder Customer Care

Jeni
April 1, 2018

Hi Sinai,

Thank you for getting in touch with finder.
Community First Credit Union issues these cards, so you can apply by visiting any Community First service centre, and you can also apply online and over the phone. To apply online, start by visiting the McGrath Pink Visa website, but only after making sure you meet the eligibility criteria such as you must be over 18 years of age, you are an Australian citizen or permanent resident and you have a good credit history.

I hope this helps.

Have a great day!

Cheers,
Jeni

leah
August 9, 2016

how do become a member ? in order to apply for a McGrath Pink visa card.
how do I get an application for the credit card ?
thanks

finder Customer Care

Dee
August 9, 2016

Hi Leah,

Thanks for your comment.
Please refer to the above page for a list of eligibility criteria as well as requirements to apply for McGrath Pink Visa Credit Card.
I’ve also sent you an email with a link to the application page for this credit card.

Cheers,
Anndy

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Community First Low Rate Pink credit card