---
title: "LOW RATE CREDIT CARD — CommFCU"
description: "Credit & Charge Cards from CommFCU. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commfcu/products/S6-LRCC
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-06T15:31:28.000+11:00
---

# LOW RATE CREDIT CARD — CommFCU

> Credit & Charge Cards from CommFCU. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards · Community First Credit Union**

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

## At a glance

- **Purchase rate:** 9.99%
- **Annual fee:** $50.00

## Apply

Applications are handled by the provider: [Apply at CommFCU](https://www.communityfirst.com.au/applying-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Cash advance (Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice.) | 9.99% | — | — |
| Purchase (Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice.) | 9.99% | — | — |
| Balance transfer (Credit eligibility criteria, terms and conditions fees and charges apply. Rates are current as at 01/09/2026 and subject to change without notice.) | 9.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LOW_RATE_CREDIT_CARD_ANNUAL_FEE — Charged yearly · 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 — Charged to loan account | Late payment | $25.00 |
| CARD_EXTRACTION_FEE — Charged on the day of the request | Event | $45.00 |
| VISA_CHARGEBACKS | Event | $25.00 |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) — Charged per page. For statements issued prior to January 1997 the fee is $3 per page. | Event | $1.50 |
| BANK@POST_CHEQUE_DEPOSIT — Cheque deposits | Deposit | $2.00 |
| BANK@POST_WITHDRAWAL,_CASH_ADVANCE_OR_CASH_DEPOSIT — Deposit or withdraw cash via Bank@Post | Transaction | $2.00 |
| CANCEL_REPLACEMENT_OF_VISA_CARD — Charged in US Dollars | Event | $50.00 |
| REPLACEMENT_OF_VISA_CARD_(OVERSEAS)_STD | Event | $55.00 |
| REPLACEMENT_OF_VISA_CARD_(WITHIN_AUS) | Event | $12.50 |
| DOMESTIC_CASH_ADVANCE_FEE — Fee charged on the day of the transaction | Cash advance | $2.00 |
| OVERSEAS_CASH_ADVANCE_FEE — Charged on the day of the transaction | Cash advance | $5.00 |
| INTERNATIONAL_TRANSACTION_FEE — 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. | Transaction | 3% of transaction (D) |

## Features

- **Additional cards** — up to 1 (Additional card holders subject to approval and must be aged 16 years or older.)
- **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** — Apple Pay (Leave your wallet at home and make payments on the go with Apple 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)
- **Digital wallet** — Google Pay (Leave your wallet at home and make payments on the go with Google Pay.)
- **Digital wallet** — Samsung Pay (Leave your wallet at home and make payments on the go with Samsung Pay.)

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Australian citizen or permanent residency only

## Constraints

- **Minimum limit** — $500.00

## More information from CommFCU

- [Overview](https://communityfirst.com.au/personal/banking/credit-cards)
- [Terms & conditions](https://communityfirst.com.au/support/important-information/disclosure-documents)
- [Eligibility](https://communityfirst.com.au/personal/banking/credit-cards)
- [Fees & pricing](https://communityfirst.com.au/tools/rates-and-fees)

## Data provenance

- Published by CommFCU under the Consumer Data Right
- Product ID: `S6-LRCC`
- Last updated by the provider: 6 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commfcu/S6-LRCC
- Provider page: https://www.cdrcompare.au/brands/commfcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000031

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commfcu/products/S6-LRCC) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)