Community First credit cards

Compare rates and fees, features and benefits of the latest credit card offers from the Community First credit union.

Yvonne Taylor avatar
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David Boyd avatar
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Updated 11 Mar 2025   |   Rates updated regularly

Comparing of 3 Community First credit cards

Community First Bank n0w Credit Card

Not available for application via this website

Highlights

  • There is no interest charged on purchases or cash advances (though a cash advance fee is applicable).
  • You have the option to select from three credit limits, each associated with a distinct monthly fee.
  • The minimum repayment required is either 2.5% of your statement's closing balance or $20, whichever amount is higher.

Pros

  • No interest on purchases or cash advances.
  • Low monthly fee starting from $9.
  • No annual fee or late payment fee.

Cons

  • 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.
Community First Bank Low Rate Visa Credit Card

Not available for application via this website

Highlights

  • Benefit from a competitive interest rate of 8.99% p.a. for both purchases and cash advances.
  • For the initial 12 months, enjoy a 0% rate on Balance Transfers with a corresponding 0% balance transfer fee. Afterwards, it reverts to the cash advance rate of 8.99% p.a.
  • An annual fee of $50 is applicable.

Pros

  • Low-interest rates.
  • Up to 55 interest-free days.
  • Limits are available from $500 to $15,000.

Cons

  • No rewards program.
Community First Bank McGrath Pink Visa Card

Not available for application via this website

Highlights

  • 8.99% p.a. interest rate applies to purchases and cash advances.
  • Benefit from 0% p.a. on balance transfers for 12 months (0% BT fee); reverts to 8.99% p.a. thereafter.
  • An annual fee of $50 p.a. is charged.

Pros

  • Low-interest rates.
  • Half the annual fee is donated to the McGrath Foundation every year you hold the card.
  • Up to 55 interest-free days.
  • Support the McGrath Foundation that raises money for McGrath Breast Care Nurses each time you spend.

Cons

  • No rewards program.

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business