8.7/10

Based on 442 Community First Bank product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Community First Bank credit cards

If you’re looking for a budget-friendly credit card with a feel-good slant, look no further than 2023 Mozo Expert Choice Credit Card Award-winner Community First Bank. Keep reading below for some of the Community First Bank credit cards on offer and answers to some of the most common questions about them. 

What credit cards do Community First Bank offer?

Rates and fees verified as correct at 21 May 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

No matter how you use your credit card - for the weekly groceries, big ticket items, to get some quick cash or on an overseas jaunt - the Community First Bank low rate credit card is a budget beater. With an ultra-low interest rate across the board, this is a great addition to any wallet.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

n/a

No current offer

$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.

0

Low fee credit cards

It wouldn't be a budget beater without a rock-bottom annual fee! Your wallet will thank you for picking up this convenient piece of plastic.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

8.99% p.a.

0% p.a. for 12 months and then 8.99% p.a.

$40

55

Frequently Asked Questions about Community First Bank credit cards

What is the interest free period on my Community First Bank credit card?

When you opt for a credit card from Community First Bank, you’ll have up to 55 days to pay off your balance before it will start to attract interest. By using this interest free period to its full potential - making purchases early in the statement cycle and paying them off before the period ends - you can keep credit card costs way down!

What fees might I be charged?

Your Community First Bank credit card comes with an annual fee - half of which goes to the McGrath foundation. Other fees include foreign transaction and cash advance fees, plus all the usual penalties like late payment or replacement card fees.

What’s the minimum repayment amount I must make?

Each month you need to make a minimum repayment off your credit card balance. With a Community First Bank credit card, this minimum will be the greater of either $20 or 3% of your total balance. If your balance is less than $20, your minimum will be the whole amount.

Can I use my Community First Bank credit card for a balance transfer?

The good news is that Community First Bank credit cards have a low interest rate across the board - for cash advances, purchases and balance transfers.

The bad news, is that although you can do a balance transfer at this great low rate, you don’t get a 0% interest period. In that case, it’s important to weigh up the benefits of a continual low rate, against a short term of no interest at all. If you think it might take you longer than the average balance transfer interest free period (usually between 6 and 12 months) to pay off your balance, then the Community First Bank credit card may be the one for you.

Visit our comparison table to check out the range of balance transfer credit cards on offer if you think you’d like to opt for a card with a 0% interest period.

Can I use my Community First Bank credit card while I’m travelling overseas?

International shoppers will be glad to know that their Community First Bank credit card will work all over the globe, wherever VISA is accepted. Just don’t forget to budget for the foreign transaction fees! Alternatively, check out a nifty prepaid travel card to keep your holiday shopping bill under control. 

Does payWave work with my Community First Bank credit card?

Yes, because your Community First Bank credit card is a VISA card. That means you can tap payment for purchases under $100. Check out our guide on how payWave works.

Community First Bank and the McGrath Foundation

If you want the satisfaction of knowing your money is going to a good cause, then you’ll be happy to hear that by using a Community First Bank Pink credit card, you’re supporting the McGrath Foundation.

Half your annual credit card fee will be donated to the McGrath Foundation for each year that you keep your Community First Bank credit card, and goes to fund breast care nurses and breast cancer awareness around Australia.

It may not be a rewards program, but it will give you a pretty rewarding feeling.

How can I avoid credit card fraud?

Credit card fraud is a risk you should be aware of when using your Community First Credit Card. But to help keep your money safe, here are some quick tips on credit card security:

Choose a PIN number that’s hard to guess and don’t share it with anyone. Try not to write it down either, and if you have to write it down so you don’t forget, don’t keep it in the same place as your credit card.

When shopping online only use secure sites that you trust - look for sites using Verified by Visa especially.

Damaged ATMs can be a sign that credit card scammers are working in the area and have tampered with the machine. Try to avoid using ATMs that aren’t in good condition or don’t have security cameras close-by.

Look over your credit card statement each time it comes and identify any unusual or fraudulent transactions. The quicker you find them, the quicker Community First Bank can fix the problem.

How are Community First Bank credit cards rated?

Mozo users have rated Community First Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Community First Bank credit cards customer reviews
Overall
9.3/10
Price
9.3/10
Features
7.8/10
Customer service
9.2/10
Convenience
8.8/10
Trust
9.2/10
Based on 285 Community First Bank product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Community First Bank credit card reviews

Community First Bank Credit Card
Overall 9/10
Great product for young ones

I have had my credit card with Commbank for almost 10 years. It is one for young people, under 30 i think. It has no fees and a competitive interest rate. Each time I deal with the staff they are caring and helpful and chat along with my toddler too. The phone service has also been great. Recently I had an overdraw fee and I contacted the bank through the chat service and I quickly had the fee wiped. I have great loyalty to the bank after all these years.

Read full review

I have had my credit card with Commbank for almost 10 years. It is one for young people, under 30 i think. It has no fees and a competitive interest rate. Each time I deal with the staff they are caring and helpful and chat along with my toddler too. The phone service has also been great. Recently I had an overdraw fee and I contacted the bank through the chat service and I quickly had the fee wiped. I have great loyalty to the bank after all these years.

Price
9/10
Features
8/10
Customer service
9/10
Convenience
10/10
Trust
9/10
Less
Aimee, New South Wales, reviewed 3 months ago
Community First Bank Low Rate Pink Credit Card
Overall 10/10
Great rate 8.99% and personal service

Best bank .. I know words no one ever says right. But you haven't dealt with the team from Community First Credit Union they can't help enough and they support Breast Cancer research and support with the PINK VISA at 8.99% how good is the rate. So get online and apply get rid of your credit debt quicker

Read full review

Best bank .. I know words no one ever says right. But you haven't dealt with the team from Community First Credit Union they can't help enough and they support Breast Cancer research and support with the PINK VISA at 8.99% how good is the rate. So get online and apply get rid of your credit debt quicker

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Renae, New South Wales, reviewed about 3 years ago
Community First Bank Credit Card
Overall 10/10
Extremely satisfied customer.

Extremely courteous and helpful. Highly recommend them as a bank to be trusted.

Read full review

Extremely courteous and helpful. Highly recommend them as a bank to be trusted.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Annette, New South Wales, reviewed over 3 years ago
Community First Bank Low Rate Pink Credit Card
Overall 8/10
Best interest rate.

It's really simple. The McGrath Foundation credit card offers the best interest rate around for both purchases and cash advances, plus $20 of your $40 annual fee goes to the McGrath Foundation, so you can feel good about paying it. The only downside is that there are no extra benefits like rewards points.

Read full review

It's really simple. The McGrath Foundation credit card offers the best interest rate around for both purchases and cash advances, plus $20 of your $40 annual fee goes to the McGrath Foundation, so you can feel good about paying it. The only downside is that there are no extra benefits like rewards points.

Price
10/10
Features
6/10
Customer service
8/10
Convenience
6/10
Trust
8/10
Less
Aaron, New South Wales, reviewed over 8 years ago
Community First Bank Credit Card
Overall 9/10
Excellent low cost credit card.

I switched to this credit card over five years ago to save interest & fees & am a very happy customer & have no plans of changing my credit provider.

Read full review

I switched to this credit card over five years ago to save interest & fees & am a very happy customer & have no plans of changing my credit provider.

Price
9/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Anonymous, New South Wales, reviewed over 8 years ago

What do you need to apply for a Community First Bank credit card?

To apply for a credit card with Community First Bank, you don’t have to be a member, but you do have to be:

Other details you’ll need when you apply include your personal contact details, and details of your income, employment, assets and debts.

Credit card quick links