Credit cards are useful for all sorts of reasons. They can be helpful if you’re in an emergency situation and need access to money quickly, or you can use them to make purchases online or overseas.

Many Community First members also benefit from their credit card’s 'up to 55 days interest free' period by paying their balance for purchases in full each month by the due date. It’s the best way to ensure you don’t pay any interest on your purchases.  

Choose what really counts

At Community First, we believe in simplicity, true value and no nasty surprises. So although you won’t earn rewards points with our credit cards, both our cards offer the same low rate for purchases, cash advances and balance transfers.

Our award winning credit cards – the Low Rate Visa credit card (black card) and the McGrath Pink Visa credit card (pink card) – both have low ongoing interest rates of just 8.99% p.a.

Annual fees

Both cards also have a low annual fee of just $40. But if you decide to take up our McGrath Pink Visa credit card, then half of the card’s annual fee ($20) is donated to the McGrath Foundation. $20 may not sound like much, but as of February 2016 our McGrath card holders have donated over $380,000 in funds. This money helps support McGrath Breast Care Nurses in communities right across Australia and increases breast awareness in young Australians, with a particular emphasis on young women. 

Credit card comparison calculator

Choose what really counts

At Community First, we believe in simplicity, true value and no nasty surprises. So although you won’t earn rewards points with our credit cards, both our cards offer the same low rate for purchases, cash advances and balance transfers.

Our award winning credit cards – the Low Rate Visa credit card (black card) and the McGrath Pink Visa credit card (pink card) – both have low ongoing interest rates of just 8.99% p.a.

Annual fees

Both cards also have a low annual fee of just $40. But if you decide to take up our McGrath Pink Visa credit card, then half of the card’s annual fee ($20) is donated to the McGrath Foundation. $20 may not sound like much, but as of February 2016 our McGrath card holders have donated over $380,000 in funds. This money helps support McGrath Breast Care Nurses in communities right across Australia and increases breast awareness in young Australians, with a particular emphasis on young women. 

Credit card comparison calculator