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Community CPS Rewards

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credit cards

Purchase rate
20.24%
Balance transfer rate
0.00% for 9 months and then 21.24%
Annual card fee
$179.00
Interest free days
55

Purchase rate
19.74%
Balance transfer rate
Annual card fee
$90.00
Interest free days
55

Product info
Customer reviews

Currently showing:

Rewards scheme

Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can get flights via Velocity, TakeFlight, KrisFlyer or through Flight Centre or Virgin Australia vouchers.
Bonus points available at selected merchants.

Privileges

Concierge
Travel Accident Insurance
Purchase Protection

Value of rewards points

Example reward
You'd need to spend

$100 gift card
$13,760

$100 cash back
$16,000

Flight: Sydney-Melbourne
$11,760

Flight: Sydney-London
$150,000

Points are capped?
at $80,000 pa

Points expire?
Never

Details behind our 'value of rewards' calculations

Points earning 1.25 points per dollar on MasterCard, up to 100000 points per year
$100 gift card 17200 points buys a Myer $100 Gift Card
$100 cash back 20000 points buys a $100 credit
Flight: Sydney-Melbourne 1 points buys 0.66666667 Velocity Points; 9800 Velocity Points buys a Virgin Australia Syd-Mel flight
Flight: Sydney-London 1 points buys 0.66666667 Velocity points; 125000 Velocity points buys a Velocity partner London flight

(how did we do it? find out...)

Rewards scheme

Redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
You can get flights via Velocity, TakeFlight, KrisFlyer or through Flight Centre or Virgin Australia vouchers.
Bonus points available at selected merchants.

Privileges

Travel Accident Insurance
Purchase Protection

Value of rewards points

Example reward
You'd need to spend

$100 gift card
$17,200

$100 cash back
$20,000

Flight: Sydney-Melbourne
$14,700

Flight: Sydney-London
$187,500

Points are capped?
at $60,000 pa

Points expire?
Never

Details behind our 'value of rewards' calculations

Points earning 1.0 points per dollar on MasterCard, up to 60000 points per year
$100 gift card 17200 points buys a Myer $100 Gift Card
$100 cash back 20000 points buys a $100 credit
Flight: Sydney-Melbourne 1 points buys 0.66666667 Velocity Points; 9800 Velocity Points buys a Virgin Australia Syd-Mel flight
Flight: Sydney-London 1 points buys 0.66666667 Velocity points; 125000 Velocity points buys a Velocity partner London flight

(how did we do it? find out...)

Rates

Purchase rate: 20.24%
Intro purchase rate: none
Balance transfer rate: 0.00% for 9 months and then 21.24%
Balance transfer term: 9 Months
Balance transfer revert to cash: yes
Cash advance rate: 21.24%
Interest free days: 55

Other financial bits

Minimum repayment amount: $30.00
Minimum repayment percent: 2.0

Fees

Annual card fee: $179.00
Introductory fee: $89 in the first 1 year
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: $15.00
Establishment fee: $0.00

Features

Additional cardholders: 4
Other restrictions: none
Other benefits: none

Rates

Purchase rate: 19.74%
Intro purchase rate: none
Balance transfer rate: none
Balance transfer term: none
Balance transfer revert to cash: yes
Cash advance rate: 20.49%
Interest free days: 55

Other financial bits

Minimum repayment amount: $30.00
Minimum repayment percent: 2.0

Fees

Annual card fee: $90.00
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: $15.00
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.