Thumbnail icon for Community First Credit Union

Community First Credit Union Low Rate Pink Credit Card

Purchase rate
8.99% p.a.
Balance transfer rate
No current offer
Annual fees
$40
Interest free days on purchases
55

Mozo editorial review Community First Credit Union Low Rate Pink Credit Card

Last updated: 23 April 2020.

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What's hot
  • Mozo Experts Choice Award 2019
  • Low ongoing 8.99% purchase and cash advance rate
  • Low $40 annual fee
What's not
  • Late payment fee
Mozo snapshot

With a low 8.99% rate on both purchases, balance transfers and cash advances, there's good reason why the Community First Low Rate Pink Credit Card was awarded a 2019 Mozo Experts Choice Award for best Low Rate Credit Card. 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.

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Key features

The Low Rate Pink Credit Card comes with an a low purchase rate of just 8.99%. 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.

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Who is it good for

Shopaholics with charitable souls will be rewarded with one of the lowest purchase rates on the credit card market.

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Any catches

Just be sure to automate your repayments or you will be hit with a $25 late payment fee.

Details

Rates and fees information correct as at 22 September 2020 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

  • No current offer

  • yes

  • 8.99% p.a.

  • 55

Fees
  • $40.00

  • none

  • none

  • none

  • $25.00

  • $2.50

  • 3.00%

  • $1.50

  • $20.00

  • $0.00

Features
  • $20.00

  • 3.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay

Other benefits

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

Customer Reviews

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

Price
9.3/10
Features
7.8/10
Customer service
9.2/10
Convenience
8.7/10
Trust
9.2/10

Latest reviews of Community First Credit Union 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 almost 5 years ago
  • Overall 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 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 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, New South Wales reviewed almost 6 years ago
  • Overall 10/10
    Great product; easy on-line access

    Nothing negative to report. Am extremely happy with the Credit Card, thank you.

    Read full review

    Nothing negative to report. Am extremely happy with the Credit Card, thank you.

    Price
    10/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Iris, Tasmania reviewed about 6 years ago
  • Overall 10/10
    Competitive features and great customer service

    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 review

    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.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Palm, New South Wales reviewed about 6 years ago
  • Overall 10/10
    Good cause and the lowest rate going around

    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 review

    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

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Robert, New South Wales reviewed about 6 years ago
Community First Credit Union

About Community First Credit Union

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.

See Community First Credit Union credit cards

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CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

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St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

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Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

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CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

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American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

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Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

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NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

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Westpac

Westpac

Altitude Platinum

Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

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NAB

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

Promoted

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Promoted

David Jones

David Jones

American Express Card

Membership Rewards

$99

15,000

1 point uncapped

Promoted

St.George

St.George

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

CUA

CUA

Low Rate Credit Card

0% p.a. for 13 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 13.99% p.a.

$55 $0 in the first year

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

Promoted

CUA

CUA

Platinum Credit Card

0% p.a. for 13 months and then 21.74% p.a.

19.99% p.a.

$149 $0 in the first year

CUA Platinum Rewards

Promoted

NAB

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

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Promoted

St.George

St.George

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

St.George

St.George

Vertigo Platinum

0% p.a. for 15 months then 12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99 $49 in the first year

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Promoted

BankSA

BankSA

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$240 $20/month - waived if no spend & no balance owing

Promoted

BankSA

BankSA

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 19.74% p.a. (1.50% balance transfer fee)

$99 $0 in the first year