Low rate
Pink Credit Card
Supporting McGrath Foundation
| Purchases and cash advances interest rate: | 8.99 % p.a. > |
| Balance transfers interest rate for 12 months: | 0.00 % p.a. * |
Half the annual fee is donated to the McGrath Foundation every year you hold the card.
Please note you will be charged interest on purchases while you have a balance transfer.
From 1 December 2024, the annual fee will be increasing to $50 and a Domestic Cash Advance Fee of $2 will be applicable.
Value
Same low rate on purchases and cash advances, plus up to 55 days interest free when you pay your balance in full by the due date each month.
Secure
Peace of mind with Visa's Zero Liability Policy, Visa Secure & eftpos Secure which offers added fraud protection when shopping online.
Heartfelt
The card helps the McGrath Foundation who raise money for McGrath Breast Care Nurses wherever they're needed and seeks to increase breast health understanding.
Features and benefits
$40
Annual fee
Half the annual fee is donated to the McGrath Foundation every year 1 . Please note from 1 December 2024 the annual fee will increase to $50.
Up to 55
Interest free days on retail purchases
Simply pay your outstanding balance in full by the due date each month. Please note you will be charged interest on purchases while you have a balance transfer.
$500
Minimum credit limit
Flexible limits are available from $500 for you to select from depending on your needs.
3%
Conversion fee^
Payable on the international transaction value in AUD.
Together we can make a difference
We've donated over $1.5 million to the McGrath Foundation since 2009. It costs around $140,000 to fund one McGrath Breast Care Nurse for a year.
About the FoundationHow to apply
You can apply online, over the phone or at one of our financial services stores.
Please take a moment to view the Credit Card Key Facts Sheet before you begin.
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.*
Find out moreUnderstanding 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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Mobile Payments
Use your card to make payments via Apple Pay, Google Pay and Samsung Pay.
Find out moreFast Payments
Osko
Send and receive money to participating financial institutions in seconds, 24/7.
How it worksCard security
Visa Secure & eftpos Secure
A free fraud prevention service to help protect you when shopping online.
Find out moreYou can apply if you:
- Are over 18 years of age
- Have a regular income
- Are not or have not been bankrupt (including Part IX agreements)
- Are an Australian citizen or a permanent resident
- Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
- Have been in your current job longer than 6 months
- Have an acceptable Credit Risk Profile (Credit Score)
- Your personal details, such as your current and previous address, phone number and email address
- Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.
Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.
- Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
- Proof of any rental income for properties via real estate statement or copy of executed lease
- Latest Notice Of Assessments for each applicant
- Last 3 months most recent everyday transaction account statements where your income is credited to.
- Last 3 months statements of any loans or credit cards you are refinancing to us
- Copy of current rates notice if it is a mortgage application
Fees and charges
You may be charged a fee for some transactions and specially requested services. Refer to our fees and charges schedule for more information.
You can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
> Rates are current as at 31/03/2018 and subject to change without notice.
*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 back to the standard credit card 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 purchases while you have a balance transfer. ^ This is payable when you use your Visa card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia.
# Community First will double the donation ($40) in the first year per credit card account (on the first 500 accounts) for applications submitted in October 2024 and activated by 30 November 2024. The McGrath Foundation raises money to fund McGrath Breast Care Nurses in communities right across Australia and increase breast awareness in young Australians, with a particular emphasis on young women.
Credit eligibility criteria, terms & conditions, fees & charges apply. 1 Community First Bank donates half the annual fee ($20) to the McGrath Foundation each year you hold the card. Community First will double the donation ($40) per credit card account (on the first 500 accounts) for applications submitted in October 2023 and activated by 30 November 2023. The McGrath Foundation raises money to fund McGrath Breast Care Nurses in communities right across Australia and increase breast awareness in young Australians, with a particular emphasis on young women.
Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170