Credit Card
Pink Visa Card
6 Month Introductory Interest rate from
3.99% p.a.1

Introductory offer has the same low rate on purchases, balance transfers and cash advances for 6 months and is only available for new card applications.

After the 6 month introductory period, the rate will revert back to the standard rate at the time. This is currently 8.99%p.a.

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

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Features and benefits

  • Same low variable rate on retail purchases, cash advances and balances transfers
  • Purchases are up to 55 days interest free. To receive interest free days, you must pay your balance in full by the due date  each month
  • Low annual fee of $40. Half of your cards annual fee ($20) will be donated to the McGrath Foundation each year that you hold the card
  • Up to date security such as – smart chip protection, payWave, Visa Zero Liability and Verified by Visa for online purchases
  • Easy access to your account via Internet Banking and our Smart Phone App
  • Limits available from $1,000 up to $15,000. 

Fees

  • Visa credit card annual fee - $40 The annual fee is payable from funding and its debited from the credit card account each anniversary.
  • Late payment - $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 or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia.
  • Replacement of card (within Australia)  - $12.50.

Security

  • payWave limit per transaction up to $100.
  • payWave limit per day up to $200.
  • Visa’s Zero Liability - Visa payWave-enabled cards are as secure as your Visa chip card and carry multiple layers of security protection, including Zero Liability. Zero Liability ensures you are not responsible for fraudulent or unauthorised transactions. 
  • Visa’s Zero Liability policy covers members:
  • When the credit option is selected and/or followed by entering a PIN
    •    payWave transactions 
    •    Online transactions 
    •    Phone transactions 
    •    Visa Easy Payment Service transactions 
  • Overseas and domestic transactions available when the credit option is selected. 
  • Please note that Visa's Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Community First Credit Union promptly of any unauthorised Visa use.  
 
Lost or Stolen Cards 
 
If your card is lost or stolen, contact Community First Credit Union immediately on: 
 
In Australia: 
Monday - Friday 8am - 8pm and Saturday 8am - 3pm call us on 1300 132 277
Outside the hours above, call the Visa card Hotline on 1800 648 027 (Australia wide toll free) 
 
If Overseas: 

Eligibility

You can apply if you:
 
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • 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 3 months
 
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. Please note that Community First Credit Union does not offer commercial lending. Find out more here.

Verified by Visa

Community First Credit Union provides Verified by Visa as an easy-to-use fraud prevention program that confirms your identity when you shop online with any participating online merchant.
All existing and new Visa cards are automatically registered, joining more than 355 million Visa cardholders, for this free service. 
Throughout the world a growing number of merchants, currently more than 200,000, are offering Verified by Visa. Look for the symbol as a sign these merchants value your business and your security.
 
Verified by Visa
 
Each time you make an online purchase with a participating merchant, the Verified by Visa program assesses the risk level of the transaction. Certain activity may seem out of the ordinary – maybe because it’s a high dollar value transaction, or a retailer you’ve never bought with before. In these instances you may be asked to confirm some simple personal details – like date of birth, mother's maiden name or address details – so we can be sure the card isn't be used without your permission. Your privacy is our priority – this information is used only to verify your identity. If you have any questions about Verified by Visa visit the Verified by Visa website.

Credit card comparison calculator

Rates

Picture of McGrath Pink Visa

McGrath Pink Visa

6 Month Introductory offer
6 Month Introductory Interest rate from
3.99% p.a.1
Picture of McGrath Pink Visa

McGrath Pink Visa

Retail purchases
Interest rate
8.99% p.a1
Picture of McGrath Pink Visa

McGrath Pink Visa

Cash advances
Interest rate
8.99% p.a1
Picture of McGrath Pink Visa

McGrath Pink Visa

Balance transfers
Interest rate
8.99% p.a1
How to apply
You can choose to apply online, over the phone, or by visiting one of our financial services stores.
Features and benefits
  • Same low variable rate on retail purchases, cash advances and balances transfers
  • Purchases are up to 55 days interest free. To receive interest free days, you must pay your balance in full by the due date  each month
  • Low annual fee of $40. Half of your cards annual fee ($20) will be donated to the McGrath Foundation each year that you hold the card
  • Up to date security such as – smart chip protection, payWave, Visa Zero Liability and Verified by Visa for online purchases
  • Easy access to your account via Internet Banking and our Smart Phone App
  • Limits available from $1,000 up to $15,000. 
Fees
  • Visa credit card annual fee - $40 The annual fee is payable from funding and its debited from the credit card account each anniversary.
  • Late payment - $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 or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia.
  • Replacement of card (within Australia)  - $12.50.
Security
  • payWave limit per transaction up to $100.
  • payWave limit per day up to $200.
  • Visa’s Zero Liability - Visa payWave-enabled cards are as secure as your Visa chip card and carry multiple layers of security protection, including Zero Liability. Zero Liability ensures you are not responsible for fraudulent or unauthorised transactions. 
  • Visa’s Zero Liability policy covers members:
  • When the credit option is selected and/or followed by entering a PIN
    •    payWave transactions 
    •    Online transactions 
    •    Phone transactions 
    •    Visa Easy Payment Service transactions 
  • Overseas and domestic transactions available when the credit option is selected. 
  • Please note that Visa's Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Community First Credit Union promptly of any unauthorised Visa use.  
 
Lost or Stolen Cards 
 
If your card is lost or stolen, contact Community First Credit Union immediately on: 
 
In Australia: 
Monday - Friday 8am - 8pm and Saturday 8am - 3pm call us on 1300 132 277
Outside the hours above, call the Visa card Hotline on 1800 648 027 (Australia wide toll free) 
 
If Overseas: 
Eligibility
You can apply if you:
 
  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • 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 3 months
 
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. Please note that Community First Credit Union does not offer commercial lending. Find out more here.

Verified by Visa
Community First Credit Union provides Verified by Visa as an easy-to-use fraud prevention program that confirms your identity when you shop online with any participating online merchant.
All existing and new Visa cards are automatically registered, joining more than 355 million Visa cardholders, for this free service. 
Throughout the world a growing number of merchants, currently more than 200,000, are offering Verified by Visa. Look for the symbol as a sign these merchants value your business and your security.
 
Verified by Visa
 
Each time you make an online purchase with a participating merchant, the Verified by Visa program assesses the risk level of the transaction. Certain activity may seem out of the ordinary – maybe because it’s a high dollar value transaction, or a retailer you’ve never bought with before. In these instances you may be asked to confirm some simple personal details – like date of birth, mother's maiden name or address details – so we can be sure the card isn't be used without your permission. Your privacy is our priority – this information is used only to verify your identity. If you have any questions about Verified by Visa visit the Verified by Visa website.
Credit card comparison calculator

Rates
Picture of McGrath Pink Visa

McGrath Pink Visa

6 Month Introductory offer
6 Month Introductory Interest rate from
3.99% p.a.1
Picture of McGrath Pink Visa

McGrath Pink Visa

Retail purchases
Interest rate
8.99% p.a1
Picture of McGrath Pink Visa

McGrath Pink Visa

Cash advances
Interest rate
8.99% p.a1
Picture of McGrath Pink Visa

McGrath Pink Visa

Balance transfers
Interest rate
8.99% p.a1
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rates are current as at 16/06//2016 and subject to change without notice. The introductory rate offer commenced on 16/6/2016. This is an introductory rate for 6 months only on retail purchases, cash advances and balance transfers. This introductory rate is for 6 months from funding. After the initial 6 month introductory period the interest rate of 3.99% p.a. will revert back to the standard credit card rate at the time. Currently this rate is 8.99% p.a. This offer is only available for new card applications and can be withdrawn at anytime without notice. Offer ends 12/05/2017. Community First Credit Union donates $20 to the McGrath Foundation from the annual fee for each McGrath Pink Visa card. The McGrath Foundation raises money to fund McGrath Breast Care Nurses in communities right across Australia and increase breast awareness in young Australians, with a particular emphasis on young women. 

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