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The card that gives back
The Low Rate Pink credit card, proudly supporting the McGrath Foundation.
Apply nowLow rate
Pink Credit Card
Supporting McGrath Foundation
8.99 %p.a. >
0.00%p.a. *
Half the annual fee is donated to the McGrath Foundation every year you hold the card.
Please note you will be charged interest on purchases while you have a balance transfer.
Value
Same low rate on purchases and cash advances, plus up to 55 days interest free when you pay your balance in full by the due date each month.
Secure
Peace of mind with Visa’s Zero Liability Policy, Visa Secure & eftpos Secure which offers added fraud protection when shopping online.
Heartfelt
The card helps the McGrath Foundation who raise money for McGrath Cancer Care Nurses wherever they’re needed and seeks to increase health understanding.
Features and benefits
$50
Annual fee
Half the annual fee is donated to the McGrath Foundation every year 1 .
Up to 55
Interest free days on retail purchases
Simply pay your outstanding balance in full by the due date each month. Please note you will be charged interest on purchases while you have a balance transfer.
$500
Minimum credit limit
Flexible limits are available from $500 for you to select from depending on your needs.
3%
International Transaction fee^
Payable on the international transaction value in AUD.
For cash advances, the cash advance fee will also apply.
Together we can make a difference
We’ve donated over $1.6 million to the McGrath Foundation since 2009. It costs around $140,000 to fund one McGrath Cancer Care Nurse for a year.
About the FoundationHow to apply
You can apply online, over the phone or at one of our financial services stores.
Please take a moment to view the Credit Card Key Facts Sheet before you begin.
Visa offers and perks
Make your next trip go further using your Community First Visa card. Access a range of discounts, great offers on accommodation, hotels, airlines and car rentals, click to see offers and perks available.*
Find out more
Understanding credit card interest
Credit cards may be a flexible and convenient way for you to manage expenses but managing your credit card well and understanding exactly how the interest works helps you to avoid unnecessary fees and charges.
Find out more
Our cards come highly commended
Our Low Rate Credit Cards have been highly commended in the Finder Awards for the last 2 years. Their team analysed over 75,000 data points to help Aussies find the best credit cards across 11 credit card categories.
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Mobile Payments
Use your card to make payments via Apple Pay, Google Pay and Samsung Pay. 4
No card? No worries
Digital Cards
Now you can access your card details in our mobile app for maximum convenience.
Card security
Visa Secure & eftpos Secure
A free fraud prevention service to help protect you when shopping online.
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)
- 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.
Community First Bank is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts.
The types of documentation we will request from you may vary between applicants due to differences in individual situations and the type of loan you are applying for. The following are some examples of documentation you may be asked to provide.
- Last 2 years full Tax Returns and financials/profit & loss statements for both of your personal and/or company tax returns to support your Self Employed income, and last 2 pay slips for other applicants
- Proof of any rental income for properties via real estate statement or copy of executed lease
- Latest Notice Of Assessments for each applicant
- Last 3 months most recent everyday transaction account statements where your income is credited to.
- Last 3 months statements of any loans or credit cards you are refinancing to us
- Copy of current rates notice if it is a mortgage application
Fees and charges
Cash Advance fees apply. You may also be charged a fee for some transactions and specially requested services. Refer to our fees and charges schedule for more information.
Fees and chargesYou can view Target Market Determinations here.
Credit eligibility criteria, terms & conditions, fees & charges apply.
> Rates are current as at 31/03/2018 and subject to change without notice. Your closing statement balance does not include pending transactions.
*Offer terms and conditions: Rate is current as at 5 March 2024 and subject to change without notice. This is an introductory rate for 12 months only on eligible balance transfers from the date the balance transfer is processed. The balance transfer must be processed by us. After the initial 12 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time – currently this is 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 or Easy Street cards. Please note you will be charged interest on purchases while you have a balance transfer. ^Applies for all transactions (including reversals and cash advances) where you use your 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 or financial institution outside Australia.
Credit eligibility criteria, terms & conditions, fees & charges apply. 1 Community First Bank donates half the annual fee to the McGrath Foundation each year you hold the card. The McGrath Foundation raises money to fund McGrath Cancer Care Nurses in communities right across Australia and increase cancer awareness in young Australians.