n0w Credit Card card image

Community First Credit Union n0w Credit Card

Advertiser disclosure
Purchase rate
0% p.a.
Balance transfer rate
No current offer
Annual fees
$228 Monthly fee is waived if account has a $0 balance and if card isn't used during the calendar month.
Interest free days on purchases

Mozo editorial review Community First Credit Union n0w Credit Card - last updated: 28 October 2021

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What's hot
  • 0% p.a. interest rate
  • 0% p.a. cash advance rate
  • No late fees
What's not
  • Max credit limit of $3000
Mozo snapshot

The n0w credit card from Community First Credit Union is all about convenience and simplicity. Instead of paying interest on your purchases, as with a traditional credit card, with the n0w card, you pay a set monthly fee between $9 and $19 - depending on your chosen credit limit. There are no late fees or an annual fee on the n0w card, and it offers a 0% p.a. cash advance rate - just a flat $3 fee if you need to withdraw cash.

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Key features

One of the best features of the Community First Credit Union n0w card is that you can shop interest-free, as this card has a 0% p.a. purchase rate. Instead, you pay a set monthly fee based on your credit limit: $9 for $1,000, $14 for $2,000 and $19 for a $3000 limit - the lowest fees on a card of this type.

The card has a low minimum payment of $20 or 2.5%, no matter your credit limit. You also won’t need to worry about the usual extra costs associated with a credit card, as the n0w card has no late fees and no annual fee. 

Community First’s n0w credit card is the only interest free card on the market that offers cash advances, with a 0% cash advance rate and just a $3 flat rate fee. Keep in mind when travelling that that fee jumps to $5 if you need cash overseas, with a standard 3% currency conversion fee payable.

Who is it good for

The Community First Credit Union n0w card is linked to the Visa network, so you can make purchases in Australia and overseas wherever Visa is accepted. If you’re looking for a simple interest free option with a low-cost cash advance offering, this could be the card for you.

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Any catches

Although this is an interest free card, you should keep in mind that the monthly fee can add up in addition to your balance. Make sure you choose a credit limit that is appropriate for your budget and spending habits.

The n0w card also offers no rewards program. So, if you’re someone who plans to use your credit card for big expenses and want extra benefits like purchase protection and the ability to earn redeemable points, as well as a credit limit higher than $3000, you should probably consider a different card. 

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Ava Crawford
Money writer

Ava Crawford is an experienced journalist, specialising in credit cards, personal loans and buy now pay later platforms here at Mozo. Ava has also produced digital content for Foxtel's LifeStyle and FOXArena, and has contributed to notable outlets such as The New York Times and ITV. She attended New York University and completed a degree in English and American Literature. She is also ASIC RG146 (Tier 2) certified for general advice.


Rates and fees information correct as at 9 August 2022 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.

0% p.a.


No current offer


0% p.a.

















$108 annual fee on $1,000 credit limit, $168 annual fee on $2,000 credit limit, $228 annual fee on $3,000 credit limit.

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