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    • Community CPS Low Rate

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    • Low Rate card from Community CPS

    • 13.90%

    • $75.00

    • 55

    Rates

    Purchase rate
    13.90%
    Intro purchase rate
    9.90% for 12 months
    Balance transfer rate
    none
    Balance transfer term
    none
    Balance transfer revert to cash
    yes
    Cash advance rate
    19.99%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $30.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $75.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $10.00
    Overlimit fee
    $40.00
    Cash advance fee
    $2.7%, Min $2.70
    Foreign exchange margin
    3.40%
    Duplicate statement fee
    $7.00
    Transaction verification fee
    $10.00
    Additional card fee
    $0.00
    Establishment fee
    $0.00

    Features

    Additional cardholders
    4
    Other restrictions
    none
    Other benefits
    none

    About Community CPS

    Community CPS is one of Australia’s largest credit unions. Across the ACT, South Australia, regional New South Wales and Western Australia, Community CPS has 36 Personal Financial Centres dedicated to sorting out the finances of its 180,000+ members. Community CPS offers competitive personal loans and savings accounts, home loans to suit first home buyers, refinancers and investors, plus access to the worldwide MasterCard credit card network and more. Other services include telephone and internet banking, Bank@Post, BPAY® and foreign exchange services. In November 2008, Community CPS merged with United Credit Union in WA and now carries on business in WA as United Community. And most recently, in January 2010, Community CPS merged with Companion Credit Union in NSW and now carries on business in NSW as Companion Credit Union.

    How are Community CPS credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Community CPS credit cards 8.3 Based on 3
    Community CPS credit card reviews     		7.3 6.7 8.7 8.7 8.7

    Read Community CPS credit card reviews by the Mozo community

    Latest review of Community CPS Low Rate

      • Bankwest Breeze *

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        * Fees and charges are payable

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        Best rates and the best customer service!

          11. Overall customer rating
          12. (Reviewed about 1 month ago)

        This product stands out for me for many reasons. I have been a member of Community CPS Australia for almost a decade and have never had one problem with them. I find it funny that most people are always complaining about their bank when they could...       Full review 

        This product stands out for me for many reasons. I have been a member of Community CPS Australia for almost a decade and have never had one problem with them. I find it funny that most people are always complaining about their bank when they could just join a credit union and get a much better deal all round. My low rate credit card has been invaluable to me in recent years and I thank Community CPS Australia for their flexibility, low rates (some of the lowest on the market) and their amazing customer service. In all honesty I cannot think of one issue to raise about the product and service, because in comparison to the products offered by the major banks Community CPS Australia is easily 100 times better. I would and have recommended this product many times to family and friends.


          11. Price
          11. Features
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          11. Convenience
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        Community CPS Low Rate credit card review by Benjamin from South Australia

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