With a low 8.99% rate on purchases and 0% interest on balance transfers for six months, the Community First Low Rate Pink Credit Card is worth some attention. And with half of your $40 annual fee donated to the McGrath Foundation each year you hold the card, this is a card with friendly features as well as rates.
The Low Rate Pink Credit Card comes with an a low purchase rate of just 8.99% and 0% interest on balance transfers for six months. Not only is this one of Australia's most purchase-friendly credit cards, you get an easy 55 day interest free period which should make repayments a breeze.
Fashionistas, here's your excuse to get a new wallet to match your new credit card - the Low Rate Pink Credit Card comes in a both a fashionable pastel pink or black. The $40 annual fee is already low by any standard but as Community First donates half of this to the McGrath Foundation, every time you whip out this philanthropic piece of plastic you'll get that buzz of knowing you're supporting women with breast cancer.
Shopaholics with charitable souls will be rewarded with one of the lowest purchase rates on the credit card market.
Just be sure to automate your repayments or you will be hit with a $25 late payment fee.
8.99% p.a.
none
0% p.a. for 6 months and then 8.99% p.a.
yes
8.99% p.a.
55
$40.00
none
none
none
$25.00
$2.50
3.00%
$1.50
$20.00
$0.00
$20.00
3.0
1
none
Apple Pay, Google Pay, Samsung Pay
Every year that the card is kept, half of the annual fee will be donated to the McGrath Foundation.
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 reviewIt'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.
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.
Read full reviewWhen 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.
Nothing negative to report. Am extremely happy with the Credit Card, thank you.
Read full reviewNothing negative to report. Am extremely happy with the Credit Card, thank you.
I love the low interest rate and supporting breast cancer as I have a family friend who has been through this. I have never had any problems with this card and I have recommended this product to many friends.
Read full reviewI love the low interest rate and supporting breast cancer as I have a family friend who has been through this. I have never had any problems with this card and I have recommended this product to many friends.
8.99% rate and half the annual fee goes to the McGrath foundation. I even don't mind that the card is pink. It is great
Read full review8.99% rate and half the annual fee goes to the McGrath foundation. I even don't mind that the card is pink. It is great
Community First Credit Union is the largest community based Credit Union operating throughout the Sydney and Central Coast region, and the 23rd largest in Australia based on total assets. With over 70,000 members, Community First aims to continue to be an integral part of the communities in which its members live and work, and offers a wide range of financial services, including award winning savings and loans and credit cards. Membership is open to the community at large.
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$395 $295 in the first year
Qantas Frequent Flyer
Bankwest
Breeze Mastercard
10.99% p.a.
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
$49 $0 in the first year
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Bankwest
Qantas Platinum Mastercard
Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
0.3 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
Bendigo Bank
Low Rate Credit Card
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Breeze Mastercard
0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Citi
Rewards Credit Card
0% p.a. for 30 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
