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Community First Low Rate Blue Credit Card
Community First Low Rate Blue Credit Card

Community First Credit Cards

Community First Low Rate Blue Credit Card

Updated 28 April 2024

Transfer your card balance and be eligible for the 0% p.a rate for the first 12 months. Enjoy one low variable rate of 8.99% p.a. This charity credit card also gives you an opportunity to help fund the Prostate Cancer Foundation of Australia with half of the $40 annual fee being donated to the foundation each year.
Terms and conditions apply

Purchase Rate (p.a)

8.99%

Balance Transfer (p.a)

0% for 12 months No balance transfer fee.
Reverts to 8.99% p.a.

Annual Fee (p.a)

$40

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 8.99% p.a. on purchases and cash advances.
  • 0% p.a. on balance transfers for 12 months. No balance transfer fee applies. Rate will revert back to the standard purchase rate.
  • Free additional cardholder plus option for joint account
  • Half the card’s annual fee ($20) will be donated to the Prostate Cancer Foundation of Australia, each year you hold the card. The money raised goes towards the PCFA's important work in reducing the impact of prostate cancer on Australian men, their partners, and families.
  • Eligible for Apple Pay, Google Pay, and Samsung Pay

  • Nothing really

Creditcard.com.au review

Editor Review

Community First Low Rate Blue 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 Low Rate Blue Credit Card

Community First Low Rate Blue card could help cardholders save money on interest especially those who are unable to clear off their balances each month. You can take advantage of its 0% balance transfer introductory offer, one low rate on purchases, cash advances, and balance transfers, up to 55 days interest free on purchases (if you pay your balance in full each month), a low annual fee and a free additional cardholder .

This card also comes with features for faster, easier and secure payments such as smart chip protection, payWave, Visa's Zero Liability policy and Verified by Visa for online purchases

What we love...

The Community First Low Rate Blue credit card believes in simplicity and in providing cardholders true value. It currently offers one low variable rate of 8.99% on retail purchases, cash advances, and balance transfers. This card provides a more affordable option by allowing you to save on interest when you carry a balance month-to-month and not eventually get caught in a spiral of debt.

On to another money-saving feature- the introductory balance transfer offer. New and existing cardholders can move their credit card balance from an external financial institution over to Community First Low Rate Blue credit card and they could be eligible for the 0% balance transfer offer for the first 12 months with no balance transfer fee.

While there are other cards in the market with a longer balance transfer period, what's good about this card is that it reverts back to a low standard credit card rate of 8.99% p.a. so it's less of a struggle to clear your remaining balance if you are unable to pay it all off, as compared to cards with high revert rate.

Although, it's still really important to always work out what you can afford beforehand and to set out a payment plan that will work for you and your debt.

Other benefits you can get from this credit card include up to 55 days interest free period provided you pay your balance for purchases in full each month by the due date. You can also add an extra cardholder free of charge. The card comes with up to date security features to give you peace of mind especially when shopping online.

To top it all of, this card gives cardholders an opportunity to contribute to the community by proudly supporting the Prostate Cancer Foundation of Australia. Half of the $40 card annual fee will be donated to the foundation each year that you hold the card.

What’s not so great...

While this card has limited features and does not let you earn any rewards points on your spending (as it normally is with all other low rate cards), there is honestly nothing to complain about the Community First Low Rate Blue Credit Card.

Why should you choose this card?

The Community First Low Rate Blue Credit Card will not only help you manage your finances with its money-saving features - one low ongoing rate for purchases, cash advances, and balance transfers, 0% balance transfer intro offer, and other handy features but it also gives you an opportunity to contribute to the community.

Overall Rating

A simple, low rate credit card that gives back to the community- one low ongoing rate on purchases, cash advances, and balance transfers, low annual fee, up to 55 days interest free and other money-saving benefits. Plus, 0% p.a. on balance transfer for 12 months intro offer with no balance transfer fee.

User reviews

Community First Low Rate Blue Credit Card ( based on 1 Creditcard.com.au user review )

80% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 8.99% p.a.

Cash advance rate 8.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 8.99% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit N/A

Brands you can't balance transfer from Community First

Credit limits

Minimum credit limit $500

Maximum credit limit $15,000

Fees & repayments

Annual fee $40 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment $20 or 2.5%, whichever is greater (n0w credit card); $20 or 3%, whichever is greater (other credit cards)

Cash advance fee Domestic: $3 (n0w credit card); free (other credit cards); International: $5

Late payment fee $25

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

Extras

Help to support the work of the Prostate Cancer Foundation of Australia (PCFA)

Eligible with Apple Pay

Overview

Community First Low Rate Blue Credit Card

Community First Low Rate Blue Credit Card is a low cost card that gives you an opportunity to give back to the community. It offers a low annual fee of $40, half of which will be donated to the Prostate Cancer Foundation of Australia each year that you hold the card. You can transfer your card balance and be eligible for 0% p.a. on balance transfers for 12 months with no balance transfer fee. Enjoy the same variable rate of 8.99% p.a. on retail purchases, cash advances, and balance transfers as well as other money-saving features including up to 55 days interest free on purchases and free Additional cardholder. Up to date security features including smart chip protection, payWave, Visa’s Zero Liability policy and Verified by Visa.

Key features

  • 8.99% p.a. on purchases, cash advances and balance transfers.
  • 0% p.a. balance transfer offer for 12 months. No balance transfer fee applies. Rate will revert back to the standard credit card rate.
  • Up to 55 days interest free on purchases.
  • Free additional cardholder plus option for joint account
  • Half the card’s annual fee ($20) will be donated to the Prostate Cancer Foundation of Australia, each year you hold the card. The money raised goes towards the PCFA's important work in reducing the impact of prostate cancer on Australian men, their partners, and families.

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Permanent Resident or Australian Citizen

  • 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 our credit card expert a question.

3 questions (showing the latest 10 Q&As)

Shane

Shane

18 August 2023
How do you apply for this community card? What are the criteria to get it? As lm more looking for a cash advance loan... Thanks..
    Pauline - CreditCard.com.au

    Pauline

    23 August 2023
    Hi Shane, we currently don’t have an active partnership with the Community First Low Rate Blue credit card but you can go to their official website page to apply. Below’s the eligibility criteria they listed: - at least 18 years old - an Australian resident - have a good credit score - have not had any defaults - more than 6 months employed Keep in mind if you take a cash advance you will start accruing interest from the moment the transaction is processedHope this helps!
Hugh Dunthorn

Hugh Dunthorn

22 November 2020
I am interested in obtaining your credit card in place of my ANZ card. Could you please email application, thanks.
Christine Brain

Christine Brain

15 May 2020
Hello, I have a GoMasteredit card which has approx $5,000 interest free on it and approx $5,000 of other purchases on it. The interest rate on the otherpuchases is 22.74% so I would like to transfer the balance over but I'm not sure if I am able to transfer the interest free purchases without incurring a penalty. Do you know anything about this side of things? Many thanks, Chris
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 May 2020
    Hi Chris, you would need to check with Go Mastercard directly on this. I would assume that there is no penalty for paying out all purchases inc 0% early. I believe the fee is in the setup so should be all good.

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