1300 13 22 77
Low rate
Credit Card
8.99%p.a. *
Plus a low annual fee of $50 and the freedom to shop wherever Visa is accepted.
Please note you will be charged interest on purchases while you have a balance transfer.
Value
Same low rate on purchases and cash advances, plus up to 55 days interest free when you pay your closing statement balance in full by the due date each month.
Secure
Peace of mind via Visa’s Zero Liability Policy, Visa Secure and eftpos Secure for added protection when shopping online.
Flexible
Limits available from $500 for you to select from depending on your needs.
$50
Annual fee
A low annual fee to keep things simple.
Up to 55
Interest free days on retail purchases
Simply pay your closing statement 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.
$500
Minimum credit limit
Limits are available from $500 for you to select from depending on your needs.
3%
International Transaction fee^
Payable on the international transaction value in AUD.
For cash advances, the cash advance fee will also apply.
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 moreHow 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.
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. 4
Fast Payments
Osko
Send and receive money to participating financial institutions in seconds, 24/7.
Card security
Visa Secure & eftpos Secure
A free fraud prevention service to help protect you when shopping online.
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
- Everyday transaction account statements where your income is credited to via our Bank Statements service
- Statements of any loans or credit cards you are refinancing to us via our Bank Statements service
- 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 for more information.
Fees and chargesYou can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
^Applies for all transactions (including reversals and cash advances) where you use your 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 or financial institution outside Australia.
* Rates are current as at 31/03/2018 and subject to change without notice. Your closing statement balance does not include pending transactions.