Community First credit cards

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

By   |   Verified by David Boyd   |   Updated 2 Nov 2023

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Comparing Community First credit cards

Community First Bank n0w Credit Card

Balance transfer

N/A

Purchase rate

0% p.a. ongoing

Annual fee

N/A

Highlights

  • 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

  • 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

Balance transfer

6 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Enjoy a low-interest rate of 8.99% p.a. on purchases and cash advances.
  • 0% for 6 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 8.99% p.a.
  • An annual fee of $40 p.a.

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

Balance transfer

6 months at 0% p.a.

Purchase rate

8.99% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • 8.99% p.a. on purchases and cash advances.
  • Enjoy 0% p.a. on balance transfers for 6 months (0% BT fee, 8.99% p.a. thereafter).
  • Annual fee of $40 p.a.

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.