Community First Credit Union
Community First Credit Union

Low Rate Pink Credit Card

Purchase Rate
8.99% p.a.
Cash Advance Rate
8.99% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
0% p.a. for first 6 months
  • Low ongoing variable interest rate
  • 0% p.a. on balance transfers for 6 months.
  • Same ongoing rate for retail purchases, cash advances and balance transfers
  • Up to 55 days interest free.
  • Additional card available for $0.
  • Low annual fee of $40.
  • Half the annual fee ($20) donated to the McGrath Foundation every year you hold the card.
  • Choose a credit limit from as little as $500 and up to $15,000.
  • Access to the worldwide Visa network.

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $40.00
Annual Fee First Year $40.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $20.00
Interest Charged From PurchaseDate
Late Payment Fee $25.00

Other Charges

Duplicate Statement Fee $3.00
Overseas ATM Balance Fee $5.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $30.00
Overseas Emergency Card Replacement Fee $175.00
Terms & Conditions
#To receive interest free days you must pay your balance in full by the due date each month. Community First Credit Union donates $20 to the McGrath Foundation from the annual fee for each Low Rate Pink Credit 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. Community First Credit Union Limited ABN 80 087 649 938 AFSL and Australian credit licence 231204.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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