Low Rate Credit Cards with one of Australia's lowest ongoing rates | Compare our cards and Balance Transfer offer

n0w credit card

Shop with no interest, just a low monthly fee

Low rate blue credit card

Supports the Prostate Cancer Foundation of Australia

Low rate credit card

One of Australia's lowest ongoing credit card rates

Switch your card and save

Switch your credit card balance to a Community First Visa card and receive 0% p.a.* interest on balance transfers for the first 12 months. Credit eligibility criteria, terms & conditions, fees & charges apply. Excludes the n0w card.

Visa offers and perks

Make your next trip go further using your Community First Visa card. Access a range of discounts, great offers on accommodation, hotels, airlines and car rentals, click to see offers and perks available.*

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Compare credit cards

Check out how much you could save or see what your minimum monthly repayments would be with our credit card comparison calculator.

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Reduce or cancel your credit limit

Things change. Here's how you can reduce or cancel your limit.

Report a lost or stolen card

What to do if your card is lost or stolen.

Visa Secure & eftpos Secure

Added fraud protection for online shopping with participating merchants.

Staying safe and secure

Find out about how we protect you, and what you can do to protect yourself.

Understanding credit card interest

Credit cards may be a flexible and convenient way for you to manage expenses but managing your credit card well and understanding exactly how the interest works helps you to avoid unnecessary fees and charges.

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Credit eligibility criteria, terms & conditions, fees & charges apply.

^*Offer terms and conditions: Rate is current as at 5 March 2024 and subject to change without notice. This is an introductory rate for 12 months only on eligible balance transfers from the date the balance transfer is processed. The balance transfer must be processed by us. After the initial 12 month introductory period, the interest rate for the balance transferred will revert to the standard credit card interest rate at the time - currently this is 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes balance transfers from Community First or Easy Street cards. Please note you will be charged interest on retail purchases while you have a balance transfer. Minimum monthly repayments required. Other fees and charges may apply. Please refer to the credit card contract and the current schedule of fees and charges.

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your "personal circumstances"). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.