No interest on purchases or cash advances (cash advance fee applies).
Choice of three credit limits each with a different monthly fee.
Minimum repayment of 2.5% of the closing balance of your statement or $20 (whichever is greater).
Pros and cons
No interest on purchases or cash advances.
Low monthly fee starting from $9.
No annual fee or late payment fee.
Repayments aren't in fixed instalments like with Afterpay.
There's a $3 cash advance fee (but no interest).
The maximum credit limit isn't very high, but some will see the benefit in that.
Rates and fees
Additional cardholders. Additional cardholders are not supported for this card.
Digital wallets. This card does not support digital wallet technologies.
Gambling transactions. Community First do not allow this card to be used for gambling-related transactions.
Rewards and benefits
Complimentary travel insurance. The Community First n0w Credit Card does not come with complimentary international travel insurance coverage.
Concierge services. The Community First CU n0w Credit Card does not offer a concierge service.
Rewards points. This credit card does not have a rewards program but offers 55 interest-free days on purchases.
Sign up bonus. There is no sign up bonus on offer for this card.
Rates and fees
Annual fee. Instead of an annual fee, this card charges a monthly fee. Pay $9 a month if your credit limit is $1,000, $14 for a $2,000 limit, and $19 if your credit limit is $3,000. However, the monthly fee is waived if your account has a $0 balance and if you don't use your card during the entire calendar month.
Balance transfers. This credit card does not offer a balance transfer option.
Cash advances. Community First does not offer cash advances with their n0w Credit Card. There is no cash advance fee for this card.
Foreign exchange fee. There are no foreign transaction fees for overseas or online purchases with this card.
Interest-free period. This card does not offer an interest-free period.
Purchases. All purchases made with this card will be free from interest since it is a no interest card.
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