Low Rate Blue Credit Card card image

Community First Bank Low Rate Blue Credit Card

Advertiser disclosure
Purchase rate
8.99% p.a.
Balance transfer rate
0% p.a. for 12 months and then 8.99% p.a.
Annual fees
$40
Interest free days on purchases
55

Mozo editorial review Community First Bank Low Rate Blue Credit Card - last updated: 5 March 2024

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What's hot
  • Low 8.99% interest rate
  • 2023 Mozo Experts Choice Award winner
  • Half of the annual fee goes to Prostate Cancer Foundation of Australia
  • 0% interest on balance transfers for one year
What's not
  • 3.00% foreign exchange charge
Mozo snapshot

Want a low rate credit card that supports those who need it? The Low Rate Blue Credit Card from Community First Bank comes with a low 8.99% purchase rate, 0% interest on balance transfers for twelve months, and 55 interest free days on purchases. But what makes this card great is that half of the $40 annual fee is donated to the Prostate Cancer Foundation of Australia. 

This card is also the winner of a 2023 Mozo Experts Choice Award for best Low Rate Credit Card. 


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Key features

For a no frills credit card, the Community First Bank Low Rate Blue Credit Card has more perks than one - and not just for you! 

If you’re looking to give a little back to your community, with this card you can. Once you pay your $40 annual fee, Community First Credit Union will donate half of it to the Prostate Cancer Foundation of Australia. And this happens every year you hold the card. Talk about credit with compassion! 

In addition to having one of the lowest purchase rates on the Mozo database at 8.99%, this card offers 55 interest free days on purchases, as well as 0% interest on balance transfers for twelve months.

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Who is it good for

This card could suit someone looking to give back by donating half of their annual fee to charity. Plus, for those that love digital wallets, Apple Pay, Samsung Pay and Google Pay is available.

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Any catches

You must be or become a member of the Community First Bank in order to apply for its Low Rate Blue Credit Card. You also have to be over the age of 18, an Australian citizen or permanent resident and have a regular income.

Details

Rates and fees information correct as at 5 March 2024 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

8.99% p.a.

none

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

yes

8.99% p.a.

55

Fees

$40.00

none

none

none

$25.00

2.5

3.00%

$1.50

$20.00

$0.00

Features

$20.00

3.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay

Other benefits

Every year that the card is kept, half of the annual fee will be donated to the Prostate Cancer Foundation of Australia.

Customer Reviews

How are Community First Bank credit cards rated by the Mozo community?

Overall
Price
Features
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Convenience
Trust

About Community First Bank

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23.99% p.a.

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Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
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Qantas Rewards Premium Card

Qantas Frequent Flyer

$250 $150 in the first year

70,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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Velocity Frequent Flyer

$0

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0.75 points uncapped

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Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

120,000

1 point up to $5,000/month, then
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Altitude Rewards

$295 $150 in the first year

150,000

1.25 points uncapped

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13.49% p.a.

$59 $0 in the first year

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0% p.a. for 6 months and then 22.24% p.a.

21.49% p.a.

$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year

Citi Rewards Program

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Blue Visa Credit Card

0% p.a. for 9 months and then 21.74% p.a.

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Virgin Australia Velocity Flyer Card - Balance Transfer Offer

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$149 $0 in the first year

Velocity Frequent Flyer

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0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)

19.99% p.a.

$100

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0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

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10.99% p.a.

No current offer

$0

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12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

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0% p.a. for 6 months and then 8.99% p.a.

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0% p.a. for 9 months then 20.74% p.a.

0% p.a. for 9 months and then 21.74% p.a.

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No current offer

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n/a

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n/a

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Platinum Mastercard

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