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Community First Low Rate Pink credit card

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Get a low rate of 8.99% (variable) for purchases, balance transfers and cash advances 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.

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


Product NameCommunity First Low Rate Pink credit card
Balance transfer rate0% p.a. for 6 months
Balance Transfer Revert RateBalance Transfer Revert Rate (8.99%)
Purchase rate (p.a.)8.99% p.a.
Annual fee$40 p.a.
Interest free period55 days
Cash advance rate (p.a.)8.99% p.a.
Min credit limit$1,000
Max credit limit$15,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


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


  • Charges a 3% foreign transaction fee
Annual fee$40 p.a.
Minimum monthly repayment3% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee (Visa/Mastercard)3%
Overseas cash advance fee5%
Overseas ATM withdrawal fee$5
Additional cardholder fee$0

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.

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.

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.

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.
  • 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.

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.

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  1. Default Gravatar
    August 14, 2019

    How l can apply for this credit card?

    • Avatarfinder Customer Care
      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.


  2. Default Gravatar
    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?

    • Default Gravatar
      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!


  3. Default Gravatar
    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?

  4. Default Gravatar
    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?

    • Avatarfinder Customer Care
      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!


  5. Default Gravatar
    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 ?

    • Avatarfinder Customer Care
      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.


  6. Default Gravatar
    April 9, 2016

    please send an application

    • Avatarfinder Customer Care
      April 11, 2016

      Hi Lynne,

      Thank you for coming through

      Please note that our offer with McGrath Pink Visa Credit Card has been paused but we will hopefully be looking to re-active the offer in the near future.

      However, you may wish to submit your application directly to the McGrath’s official website.

      I’ve emailed you a link to the page for your convenience.

      I hope this helps.


  7. Default Gravatar
    October 23, 2015

    Would you please send me an application form?

    • Default Gravatar
      November 8, 2015

      I want to apply for one of your low rate credit cards.

    • Avatarfinder Customer Care
      November 9, 2015

      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.


    • Avatarfinder Customer Care
      October 23, 2015

      Hi Jane,

      Thanks for your comment.

      I’ve emailed you the link to the online application.

      I hope this has helped.



  8. Default Gravatar
    October 22, 2015

    How do I apply for the McGrath Pink Visa Credit Card ?

    • Avatarfinder Customer Care
      October 23, 2015

      Hi Sharron, thanks for your inquiry!

      To apply for this card please refer to the bank link I have sent to your email.



  9. Default Gravatar
    September 13, 2015

    Will community first take applications from retired pensioners?

    • Avatarfinder Customer Care
      September 14, 2015

      Hi Deidre,

      Thanks for your inquiry!

      The Community First Credit Union/ McGrath does not have a specific income requirement. You should be eligible to apply if you are an Australian citizen or permanent resident, not bankrupt and you don’t have a history of outstanding credit defaults.

      You may like to refer to the contact details I have sent to your email for further inquiries into your application eligibility and options.

      I hope this has helped.



  10. Default Gravatar
    August 17, 2015

    Could I please have an application form? I currently have one with Westpac for 8,000 but only want one for 5,000.

    • Avatarfinder Customer Care
      August 17, 2015

      Hi Terrence,

      Thanks for your inquiry.

      I’ve emailed you a link to the McGrath Pink Visa application page. If you’ve compared your options and wish to apply for the card, you’ll just need to click on the pink ‘Apply Now’ page listed on the provided page. If you’re referring to another card, please feel free to follow up with us and we’ll do our best to assist you.

      I hope this helps.



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