Credit Card
Interest rate
8.99% p.a.1

A low rate card with a higher purpose

With half of its annual fee going to the Prostate Cancer Foundation of Australia every year, The Low Rate Blue credit card is the latest way we’re giving back to the community. At a time when it’s never been more important.

And as if that’s not good enough, here are even more reasons why the Low Rate Blue Credit Card is a really good choice: 

 

Please take a moment to review the Credit Card Key Facts Sheet before you begin.

 

 

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Apply online and get an instant response

Features and benefits

  • 0% p.a. on balance transfers for 6 months when you apply by 31 July 2020*
  • Same low variable rate on retail purchases and cash advances
  • Up to 55 days interest free on purchases when you pay your balance in full by the due date each month^
  • Low annual fee of $40. Half of your card's annual fee ($20) will be donated to the Prostate Cancer Foundation of Australia each year that you hold the card
  • Up to date security such as – smart chip protection, payWave, Visa's Zero Liability policy and Verified by Visa for online purchases
  • Easy access to your account via Internet Banking and our mobile App
  • Limits available from $500 up to $15,000 (higher limits on request). 

 

 

 

 

Ways to pay

  • payWave up to $200 per day (up to $100 per transaction) plus peace of mind with Visa's Zero Liability policy
  • Fast payments via Osko and PayID 
  • Mobile payments including Apple Pay, Google Pay and Samsung Pay
  • Internet Banking and mobile app access
  • Access to over 10,000 direct charge free ATMs Australia wide
  • Safer online payments with Verified by Visa

Managing your card

Staying on top of your credit card doesn't need to be a chore. We offer a range of services to help you manage your balances and payments on the go. Our friendly staff are always on hand to help.

 

  • Internet Banking
  • Mobile app
  • Telephone banking
  • SMS and email alerts
  • Over the counter at one of our Financial Services Stores
  • Our Australian based contact centre
  • General enquiries via online chat and Facebook

Credit card comparison calculator

Fees

  • Credit card annual fee - $40. 
  • Late payment fee - $25 charged 7 days after a loan repayment is not met, and again at 14 days (if applicable).
  • International conversion fee – 3% of transaction value in $AUD. This is payable when you use your Visa card for a foreign currency transaction, for an Australian dollar transaction that is with a foreign merchant or is processed by an entity outside Australia.
  • Replacement of card (within Australia)  - $12.50.

Eligibility

You can apply if you:
 
  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
 
What you may need to apply:
 
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Rates

Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Interest rate
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Retail purchases
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Cash advances
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Balance transfers
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Balance Transfer offer
Balance transfer offer interest rate
0% p.a. for 6 months1
How to apply
You can choose to apply online, over the phone, or by visiting one of our financial services stores.
Features and benefits
  • 0% p.a. on balance transfers for 6 months when you apply by 31 July 2020*
  • Same low variable rate on retail purchases and cash advances
  • Up to 55 days interest free on purchases when you pay your balance in full by the due date each month^
  • Low annual fee of $40. Half of your card's annual fee ($20) will be donated to the Prostate Cancer Foundation of Australia each year that you hold the card
  • Up to date security such as – smart chip protection, payWave, Visa's Zero Liability policy and Verified by Visa for online purchases
  • Easy access to your account via Internet Banking and our mobile App
  • Limits available from $500 up to $15,000 (higher limits on request). 

 

 

 

 

Ways to pay
  • payWave up to $200 per day (up to $100 per transaction) plus peace of mind with Visa's Zero Liability policy
  • Fast payments via Osko and PayID 
  • Mobile payments including Apple Pay, Google Pay and Samsung Pay
  • Internet Banking and mobile app access
  • Access to over 10,000 direct charge free ATMs Australia wide
  • Safer online payments with Verified by Visa
Managing your card

Staying on top of your credit card doesn't need to be a chore. We offer a range of services to help you manage your balances and payments on the go. Our friendly staff are always on hand to help.

 

  • Internet Banking
  • Mobile app
  • Telephone banking
  • SMS and email alerts
  • Over the counter at one of our Financial Services Stores
  • Our Australian based contact centre
  • General enquiries via online chat and Facebook
Credit card comparison calculator

Fees
  • Credit card annual fee - $40. 
  • Late payment fee - $25 charged 7 days after a loan repayment is not met, and again at 14 days (if applicable).
  • International conversion fee – 3% of transaction value in $AUD. This is payable when you use your Visa card for a foreign currency transaction, for an Australian dollar transaction that is with a foreign merchant or is processed by an entity outside Australia.
  • Replacement of card (within Australia)  - $12.50.
Eligibility
You can apply if you:
 
  • Are over 18 years of age
  • Have a regular income
  • Are not or have not been bankrupt (including Part IX agreements)
  • Are an Australian citizen or a permanent resident
  • Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months
  • Have an acceptable Credit Risk Profile (Credit Score)
 
What you may need to apply:
 
  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Rates
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Interest rate
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Retail purchases
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Cash advances
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Balance transfers
Interest rate
8.99% p.a.1
Picture of Low Rate Blue Credit Card

Low Rate Blue Credit Card

Balance Transfer offer
Balance transfer offer interest rate
0% p.a. for 6 months1
Credit eligibility criteria, terms and conditions, fees and charges apply.
1 Rates are current as at 31/03/2018 and subject to change without notice. *Offer terms and conditions: Rate is current as at 20 April 2020 and subject to change without notice. This is an introductory rate for 6 months only on balance transfers from funding date. After the initial 6 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time - currently 8.99% p.a. Offer available for new and existing card holders where new balances are transferred to the card and offer can be withdrawn at any time. Excludes Balance Transfers from Community First and Easy Street cards. ^To continue receiving interest free days, you must pay your balance in full by the due date each month. Community First Credit Union donates half the annual fee ($20) to the Prostate Cancer Foundation of Australia each year you hold the card. The Prostate Cancer Foundation of Australia raises money to reduce the impact of prostate cancer on Australian men, their partners and families.