Community First Credit Union credit cards

Community First Credit Union
Community First Credit Union's overall rating for credit cards

(as rated by the Mozo community)

9.3 / 10

based on 282 reviews

If you’re looking for a budget friendly credit card with a feel good slant, look no further than Community First Credit Union. The winner of both a Mozo Experts Choice Award and Mozo People’s Choice Award for best credit card in 2014, this nifty little piece of plastic is hard to beat.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Community First Credit Union offer?

Low rate credit cards 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 Credit Union 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

8.99% p.a.

No current offer

$40

55


Hide

Low fee credit cards 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

8.99% p.a.

No current offer

$40

55


Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Community First Credit Union credit cards

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

When you opt for a credit card from Community First Credit Union, 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 Credit Union 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 Credit Union 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 Credit Union credit card for a balance transfer?

The good news is that Community First Credit Union 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 Credit Union 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 Credit Union credit card while I’m travelling overseas?

International shoppers will be glad to know that their Community First Credit Union 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 Credit Union credit card?

Yes, because your Community First Credit Union 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 Credit Union 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 Credit Union 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 Credit Union 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 Credit Union can fix the problem.

How are Community First Credit Union credit cards rated?

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

Community First Credit Union credit cards

Overall 9.3

Price

Features

Customer service

Convenience

Trust

282 Reviews

Recent Community First Credit Union credit card reviews Recent Community First Credit Union credit card reviews

Community First Credit Union

Community First Credit Union credit card review

Overall rating   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.

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 almost 3 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa credit card review

Overall rating   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...

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 almost 3 years ago

Community First Credit Union

Community First Credit Union credit card review

Overall rating   8 / 10

Competitive rates and good customer service

Approachable and helpful.

Full review

Approachable and helpful.

    Price   9 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Irene, New South Wales, reviewed over 3 years ago

Community First Credit Union

Community First Credit Union credit card review

Overall rating   8 / 10

Excellent

customer service was very good ,monthly notification of statement in my email box which is very convenient for me .Above all else is their low interest rate

Full review

customer service was very good ,monthly notification of statement in my email box which is very convenient for me .Above all else is their low interest rate

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Phumza, , reviewed almost 4 years ago

Community First Credit Union

Community First Credit Union credit card review

Overall rating   8 / 10

Fantastic low rate, no frills credit card

Fantastic low interest rate credit card. Totally no frills. Annual fee is low and half goes to McGrath Foundation.

Full review

Fantastic low interest rate credit card. Totally no frills. Annual fee is low and half goes to McGrath Foundation.

    Price   9 / 10

    Features   5 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Nikki, , reviewed about 4 years ago

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

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

  • Over 18
  • An Australian citizen or permanent resident
  • Earning a regular income
  • In your current job for at least 3 months
  • Not bankrupt or have any defaults in the last 5 years

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

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