finder.com.au
Finder > Credit Card Finder > Community First Credit Union

McGrath Pink Visa Credit Card review

Related Products
Rates last updated July 22nd, 2019
Bendigo Bank Low Rate Mastercard Bendigo Bank Low Rate Mastercard
Citi Clear Platinum Credit Card Citi Clear Platinum Credit Card
ANZ Low Rate ANZ Low Rate
Westpac Low Rate Card Westpac Low Rate Card

Save on card costs with a competitive interest rate for purchases, balance transfers and cash advances.

The McGrath Pink Visa card is suited to cardholders who want to keep their costs low with a competitive interest rate and annual fee. Plus, half of your annual fee will be donated to the McGrath Foundation each year. If you pay your balance in full by the end of the statement period, you can make use of as many as 55 interest-free days on purchases.

Product NameMcGrath Pink Visa
Purchase rate (p.a.) 8.99% p.a.
Annual fee$40 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)8.99% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$1,000
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$15,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$40 p.a.
Minimum Monthly Repayment3% or $20 (whichever is greater)
Late Payment Fee$25
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Overseas Cash Advance Fee$5
Overseas ATM Withdrawal Fee$5
Gambling Transactions AllowedNo
Additional Cardholder Fee$0

Pros

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

Cons

  • Using this card overseas or with international merchants incurs a 3% foreign transaction fee.

Benefits of the McGrath Pink Visa

Using a McGrath Pink Visa card comes with a number of benefits including:

  • Low interest rate. This card offers a competitive interest rate of 8.99% p.a. on purchases, balance transfers and cash advances.
  • Contribute to a good cause. Half of your card’s annual fee is donated to the McGrath Foundation. The foundation uses this money in the placement of McGrath Breast Care Nurses who work in supporting women with breast cancer as well as their families.
  • Visa Zero Liability. As long as you use your card responsibly, you don’t have to worry about paying for fraudulent transactions made using your card owing to the Visa Zero Liability policy.

McGrath Pink Visa features

If you’re considering to apply for the McGrath Pink Visa card, here’s what you can expect from the card:

  • Annual fee. This card attracts an ongoing annual fee of $40, and half of this ($20) goes to the McGrath Foundation on your behalf.
  • Competitive rates. The low rate of 8.99% p.a. that this card charges is amongst the lowest you can find, and the fact that the same low rate applies on cash advances is a definite plus.
  • Additional cardholders. You can apply for an additional card linked to your primary card without an additional fee.
  • Interest-free days. By paying your account’s outstanding balance in full every month, you can make use of up to 55 interest-free days on purchases.

How to apply for the McGrath Pink Visa

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 following eligibility criteria:

Eligibility criteria

  • You are over 18 years of age
  • You are an Australian citizen or permanent resident
  • You have a good credit history

Required documents

  • Personal details like your name, date of birth, marital status, and number of dependents
  • Your residential status, residential address, email address, and phone number
  • Your employment status along with your employer’s name and contact details
  • Details of your income, expenses, assets, and liabilities

The McGrath Pink Visa offers competitive interest rates and fees for cardholders who want to keep costs low. You can also spend with peace of mind knowing that half of your annual fee is being donated to a worthy cause. As this isn't the only low rate credit card on the market, you should still compare a few options before applying.

Frequently asked questions

Back to top
Related Products
Rates last updated July 22nd, 2019
Bendigo Bank Low Rate Mastercard Bendigo Bank Low Rate Mastercard
Citi Clear Platinum Credit Card Citi Clear Platinum Credit Card
ANZ Low Rate ANZ Low Rate
Westpac Low Rate Card Westpac Low Rate Card
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

61 Responses

  1. Default Gravatar
    RobertJanuary 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?

    Reply
  2. Default Gravatar
    SinaiApril 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.

    Reply
    • Avatarfinder Customer Care
      JeniApril 1, 2018Staff

      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

      Reply
  3. Default Gravatar
    leahAugust 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

    Reply
    • Avatarfinder Customer Care
      DeeAugust 9, 2016Staff

      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

      Reply
  4. Default Gravatar
    lynneApril 9, 2016

    please send an application

    Reply
    • Avatarfinder Customer Care
      YsaApril 11, 2016Staff

      Hi Lynne,

      Thank you for coming through finder.com.au.

      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.

      Cheers,
      Ysa

      Reply
  5. Default Gravatar
    janeOctober 23, 2015

    Would you please send me an application form?

    Reply
    • Default Gravatar
      MajellaNovember 8, 2015

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

      Reply
    • Avatarfinder Customer Care
      AllyNovember 9, 2015Staff

      Hi Majella,

      Thanks for your inquiry.

      Please note that finder.com.au 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.

      Cheers,
      Ally

      Reply
    • Avatarfinder Customer Care
      SallyOctober 23, 2015Staff

      Hi Jane,

      Thanks for your comment.

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

      I hope this has helped.

      Thanks,

      Sally

      Reply
  6. Default Gravatar
    SharronOctober 22, 2015

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

    Reply
    • Avatarfinder Customer Care
      JonathanOctober 23, 2015Staff

      Hi Sharron, thanks for your inquiry!

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

      Cheers,

      Jonathan

      Reply
  7. Default Gravatar
    DeidreSeptember 13, 2015

    Will community first take applications from retired pensioners?

    Reply
    • Avatarfinder Customer Care
      SallySeptember 14, 2015Staff

      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.

      Thanks,

      Sally

      Reply
  8. Default Gravatar
    terrenceAugust 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.

    Reply
    • Avatarfinder Customer Care
      SallyAugust 17, 2015Staff

      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.

      Thanks,

      Sally

      Reply
  9. Default Gravatar
    michaelAugust 15, 2015

    would like a form for credit card

    Reply
    • Avatarfinder Customer Care
      JonathanAugust 17, 2015Staff

      Hi Michael, thanks for your inquiry!

      Please refer to the link I have sent to your email for the McGrath Pink Visa application.

      Cheers,

      Jonathan

      Reply
  10. Default Gravatar
    KENNYAugust 14, 2015

    Can you sent me a application form please?

    Reply
    • Avatarfinder Customer Care
      JonathanAugust 17, 2015Staff

      Hi Kenny,

      Thanks for your inquiry.

      Please refer to the link that I have sent to your email address for the McGrath Pink Visa application form.

      I hope this has helped.

      Cheers,

      Jonathan

      Reply

Credit Cards Comparison

Rates last updated July 22nd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Go to site More info
ME frank Credit Card
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Go to site More info
Virgin Australia Velocity Flyer Card - Annual Fee Offer
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Save with an ongoing $50 annual fee and 0% balance transfer offer. Plus, the ability to earn up to 30,000 bonus Velocity Points in the first 3 months.
Go to site More info
Latitude Low Rate Mastercard
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Go to site More info

Compare up to 4 providers

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

Ask a question
Go to site