LOW RATE CREDIT CARD
A low rate credit card with the same low rate on cash advances and up to 55 days interest free on purchases. Choose pink and half the annual fee is donated to the McGrath Foundation each year
- Purchase rate
- 8.99%
- Annual fee
- $50.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Balance transfer Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 31/3/2018 and subject to change without notice. | 0% | — | — |
| Cash advance Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 31/3/2018 and subject to change without notice. | 8.99% | — | — |
| Purchase Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 31/3/2018 and subject to change without notice. | 8.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| LOW_RATE_CREDIT_CARD_ANNUAL_FEE Charged yearly · Capped at $0.00 · For Pink and Blue Low Rate Credit Cards, half the annual fee ($25) is donated to the McGrath Foundation (pink) or the Prostate Cancer Foundation of Australia (blue) each year | Ongoing | $50.00 |
| LATE_PAYMENT Capped at $0.00 · Charged to loan account | Late payment | $25.00 |
| CARD_EXTRACTION_FEE Capped at $0.00 · Charged on the day of the request | Event | $45.00 |
| VISA_CHARGEBACKS Capped at $0.00 | Event | $25.00 |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) Capped at $0.00 · Charged per page. For statements issued prior to January 1997 the fee is $3 per page. | Event | $1.50 |
| BANK@POST_CHEQUE_DEPOSIT Capped at $0.00 · Cheque deposits | Deposit | $2.00 |
| BANK@POST_WITHDRAWAL,_CASH_ADVANCE_OR_CASH_DEPOSIT |
Features
- Additional cards — One additional card available upon request
- Additional card holders subject to approval
- Balance transfers
- Subject to approval and must be processed by Community First
- Card access — Visa Credit Card
- Option of Pink, Blue or standard card
- Digital banking
- Via Community First Mobile App and Internet Banking
- Digital wallet — Ability to add your card into your eligible digital wallet
- Apple Pay, Google Pay and Samsung Pay
- Interest-free period — 55 days
- Up to 55 days interest free when you pay your balance in full by the due date each month
Eligibility
- Minimum age — 18 years
- Residency status — Australian citizen or permanent residency only
Constraints
- Minimum limit — $500.00
More Information
Published by CommFCU under the Consumer Data Right · Last updated 13 July 2026 · Product ID S6-LRCC · View on CDR.gov.au