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Community First n0w Credit Card
Community First n0w Credit Card

Community First Credit Cards

Community First n0w Credit Card

Updated 22 October 2021

The n0w Credit Card from Community First is a new product from the credit union, letting you spend up to $3,000 for no interest. You can choose from three credit limits with a different monthly fee for each, starting at $9. There are no late fees for the card and no interest applied to cash advances.

Points Earn Rate (per $1 spent)

Rewards Program

Bonus Points

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Pros and cons

  • Choose your credit limit up to $3,000
  • Monthly fee of $9 – gives you access to a credit limit of up to $1,000
  • Monthly fee of $14 – gives you access to a credit limit of up to $2,000
  • Monthly fee of $19 – gives you access to a credit limit of up to $3,000
  • No interest charges
  • No late payment fees
  • No interest charged for cash advances

  • 3% foreign currency conversion fee
  • $3 cash advance fee

Creditcard.com.au review

Editor Review

Community First n0w Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt about this card.

Community First n0w Credit Card

The n0w Credit Card from Community First is the latest entrant into the interest-free credit card space. This card works in a similar way to Buy n0w Pay Later products such as Afterpay and Zip, letting you spend up to a certain limit and repay what you spend with no interest.

You can opt for your choice of three credit limits, each with a different monthly fee:

  • $1,000 limit for a $9 monthly fee
  • $2,000 limit for a $14 monthly fee
  • $3,000 limit for a $19 monthly fee

The card will be useful to anyone who needs a simple card to spend and doesn’t want to pay interest. A handy feature of this card is you won’t be charged interest on cash advances either, which is novel for a credit card. If you use the card to get cash out you will just pay a $3 fee.

You can also spend using your phone by adding the n0w card to Apple Pay, Google Pay and Samsung Pay.

Why should you choose this card?

No interest on spending

You won’t pay interest on any spending you do in Australia with the card, including spending in-store, online or with cash advances. This makes it a useful card for everyday spending or for larger purchases, even if you need to pay in cash. Keep in mind there is a 3% fee for spending in foreign currencies.

Simple repayments

There is no late fee charged with this card; just repay 2.5% of what you spend or $20.

Build your credit

Managing your payments on this card well can help boost your credit score because credit card payments are required to be recorded on your credit report. This works differently to BNPL, where your payments don’t have to be recorded and therefore can’t help your score.

Mobile wallet and app

You can add your n0w card to Apple Pay, Google Pay or Samsung Pay and enjoy easy spending with your mobile phone. You can also manage your account, track your spending and view your balance with the Community First mobile app.

What’s not so great...

The $1,000 credit limit comes with a low monthly fee of $9, which is comparable to other interest-free credit cards on the market. However the $14 and $19 monthly fees for the higher credit limits isn’t as competitive.

The n0w card also charges you for overseas spending, which competitors such as the Westpac Flex Card do not. You also do not get access to any rewards programs.

Our verdict

The Community First n0w Credit Card is a good option to consider for anyone who wants ongoing access to credit and easy spending. If you want the option to get cash out from your credit card, this is a great option because you aren’t charged interest for cash advances.

However, the card’s monthly fees aren’t competitive for the higher credit limits. You also don’t get the same rewards offered by other interest-free credit cards such as the Westpac Flex Card.

User reviews

Community First n0w Credit Card ( based on 0 Creditcard.com.au user reviews )

0% rating based on 0 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 0% p.a.

Cash advance rate N/A

Interest free period on purchases up to N/A days

Balance transfer

Balance transfer rate 0.00% p.a. for 0 months

Balance transfer revert rate 0.00% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit N/A

Banks you can't balance transfer from N/A

Credit limits

Minimum credit limit $1000

Maximum credit limit 3000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee N/A

Foreign transaction fee 3%

Minimum repayment $20 or 3%, whichever is greater

Cash advance fee N/A

Late payment fee 0

Rewards and points

Rewards program

Rewards Program N/A

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Points cap per month N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Community First n0w Credit Card

Key features

  • Choose your credit limit up to $3,000
  • Monthly fee of $9 – gives you access to a credit limit of up to $1,000
  • Monthly fee of $14 – gives you access to a credit limit of up to $2,000
  • Monthly fee of $19 – gives you access to a credit limit of up to $3,000
  • No interest charges
  • No late payment fees
  • No interest charged for cash advances

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • You must be an Australian citizen or have a permanent residency visa

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)

Darren

Darren

3 November 2021
Hi Pauline, What would be the go if you had to cancel this card, obviously with a zero balance. Thank you.
    Pauline - CreditCard.com.au

    Pauline

    4 November 2021
    Hi Darren, good question! We checked the T&C’s and you can request to cancel or close your account at any time by giving Community First a call. Please keep in mind that payments should still be made if there’s an outstanding balance and account closure can take up to 45 days. Hope this has helped!
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