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 268 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 04 December, 2016. 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

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months

$40

55


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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

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months

$40

55


Hide

Frequently Asked Questions about Community First Credit Union credit cards

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

    What fees might I be charged?

    What’s the minimum repayment amount I must make?

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

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

    Does payWave work with my Community First Credit Union credit card?

    Community First Credit Union and the McGrath Foundation

    How can I avoid credit card fraud?

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

268 Reviews

* Overall rating based on reviews in the past 12 months.

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 (NSW), reviewed 11 months 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 (NSW), reviewed about 1 year 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 (NSW), reviewed over 1 year 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 2 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa credit card review

Overall rating   9 / 10

Great service and a card that gives

When I applied I was contacted very quickly and they were very polite, easy going and knowledgeable. Everything was explained simply but comprehensively. I was sent all the forms via email and others were easily downloaded. Everything was...

Full review

When I applied I was contacted very quickly and they were very polite, easy going and knowledgeable. Everything was explained simply but comprehensively. I was sent all the forms via email and others were easily downloaded. Everything was processed quickly and I got follow up calls to give me progress reports and to make sure I understood what was happening, which was something I really wasn't expecting to happen. Even when I got the card I got follow up calls to make sure I was comfortable with everything and happy with the service and other emails with updates. With that kind of service who wouldn't be happy. All seemed to be totally transparent. This is THE BEST service I have ever had from a financial service.

    Price   10 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Darren (NSW), reviewed about 2 years ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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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