Community First Credit Union

Community First offers a range of low-interest-rate credit cards to suit your needs and requirements. Their aim is to help their members achieve their financial goals by helping them build relationships that are mutually beneficial.

McGrath Pink Visa

This credit card offers a host of benefits including a low-interest rate on all purchases, low rates on balance transfers and quick advance options. Half of your card's annual fees ($20) will be donated to help fund McGrath breast care nurses in communities all across Australia. As well as helping make a difference you will enjoy up to 55 days interest-free on all purchases.

The card comes compatible with smart chip protection, payWave, Visa Zero Liability and Visa verification online. You will have access to your account 24/7 via Internet banking or the App on your smartphone. Credit limits range from $1,000 and up to $15,000

Who can apply?

• You need to be at least 18 years old
• Have a good job with a regular income
• You can’t have been declared bankrupt and not be under debt counselling 
• You must be an Australian citizen
• You must not have defaulted on any loans, credit cards or other accounts in the last 5 years
• You must be employed for at least 6 months
• You must have a valid bank account

Verified by Visa is there to protect you against theft or fraudulent purchases on your Visa Card.

If the purchase amount is very high or if you are purchasing from a provider that you haven’t visited before Visa will contact you to ensure that it is you making the purchase you will need to verify your personal details to identify yourself and confirm you would like to continue with the purchase.

How to apply?

To apply simply visit the website and complete the online loan application form if you prefer you can give them a call or visit one of their service stores. They will guide you through every step of the application process.

Compare credit cards

Community First gives you the ability to compare credit cards so that you can choose the correct one to suit your needs. 

They have rated the cards they offer per category to help you make your decision easier.

The best low-interest rate credit cards on offer are The Low Rate Visa credit card (black card) and the McGrath Pink Visa card which offers interest rates of only 8.99 %pa. The annual fees for both these cards are only $40.

The Mcgrath Pink Visa card donates half the annual fees you pay to the McGrath Foundation to date they have donated over $380,000 to the McGrath Breast Care Nurses organisation across Australia.