Community First Credit Union McGrath Pink Visa

8.99% p.a.

No current offer

$40

Community First Credit Union McGrath Pink Visa Review

Rates and fees information correct as at 25 June 2018.

Review published: 10 February 2012

What's hot:

  • Mozo's Experts Choice Awards 2017 winner

  • 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 McGrath Pink Visa was awarded a Mozo Experts Choice Award 2017 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 top features as well as rates.

Key features:

The McGrath Pink Visa 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 McGrath Pink Visa 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.

Who it's good for:

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

Any catches?

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

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

Product Type Overall Rating Price Features Service Convenience Trust
9.3

Based on 268
Community First Credit Union credit cards reviews

9.3 7.9 9.3 8.8 9.3

Read Community First Credit Union credit card reviews by the Mozo community

Latest reviews of Community First Credit Union McGrath Pink Visa

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 over 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 over 3 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa credit card review

Overall rating   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.

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 (NSW), reviewed almost 4 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa credit card review

Overall rating   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

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 (NSW), reviewed almost 4 years ago

Community First Credit Union

Community First Credit Union McGrath Pink Visa credit card review

Overall rating   10 / 10

Exceptional customer service & fantastic benefits

The service from the very beginning has been exceptional. The staff are so friendly and welcoming and nothing is too much trouble. The rate is amazing and I am so pleased to be a customer of this company.

Full review

The service from the very beginning has been exceptional. The staff are so friendly and welcoming and nothing is too much trouble. The rate is amazing and I am so pleased to be a customer of this company.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Joanne (QLD), reviewed almost 4 years ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Rates

  • 8.99% p.a.

  • none

  • No current offer

  • no

  • 8.99% p.a.

  • 55

Fees

  • $40.00

  • none

  • none

  • none

  • $25.00

  • $2.50

  • 3.00%

  • $1.50

  • $20.00

  • $0.00

Other financial bits

  • $20.00

  • 3.0

Features

  • 1

  • none

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

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.

**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.

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