Be scam aware. We’ll never ask you for your Internet banking password, nor will we ever ask you to move money to another Community First account or other financial institution. If you’re ever unsure, call us back on the number published on our website. If you’re asked to open an account at another financial institution, do not proceed.

Low rate

Credit Card

Purchases and cash advances interest rate:

8.99 % p.a. >

Balance transfers interest rate for 12 months:

0.00 % p.a. *

Plus a low annual fee of $40 and the freedom to shop wherever Visa is accepted.

Please note you will be charged interest on purchases while you have a balance transfer.


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.


Peace of mind via Visa's Zero Liability Policy, Visa Secure and eftpos Secure for added protection when shopping online.


Limits available from $500 for you to select from depending on your needs.


Annual fee

A low annual fee to keep things simple.

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 retail purchases while you have a balance transfer.


Minimum credit limit

Limits are available from $500 for you to select from depending on your needs.


Conversion fee^

Payable on the international transaction value in AUD.

0% p.a. for 12 months on balance transfers*

Receive 0% p.a. on balances transferred for 12 months when you switch your other financial institution credit card to us. Please note you will be charged interest on retail purchases while you have a balance transfer. 

How to apply

You can apply online, over the phone or by visiting one of our financial services stores.

Please take a moment to view the Credit Card Key Facts Sheet before you begin.

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. 

Find out more

Our cards come highly commended

Our Low Rate Credit Cards have been highly commended in the Finder Awards for the last 2 years. Their team analysed over 75,000 data points to help Aussies find the best credit cards across 11 credit card categories.


Tap and go

Mobile Payments

Use your card to make payments via Apple Pay, Google Pay and Samsung Pay.

Find out more

Fast Payments


Send and receive money to participating financial institutions in seconds, 24/7.

How it works

Card security

Visa Secure & eftpos Secure

A free fraud prevention service to help protect you when shopping online.

Find out more

You 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.

The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.

  • 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.

^ 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.

> 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 retail purchases while you have a balance transfer. 

Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170