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Community First Low Rate Pink Visa Credit Card
Community First Low Rate Pink Visa Credit Card

Community First Credit Cards

Community First Low Rate Pink Visa Credit Card

Updated 28 April 2024

Community First Low Rate Pink Visa credit card has a low ongoing rate of 8.99%. You'll get 0% p.a. on a balance transfer for the first 12 months. This charity credit card gives you an opportunity to help fund McGrath Foundation Breast Care Nurses in communities across Australia as half of the $40 annual fee is 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. balance transfer offer for the first 12 months. No balance transfer fee applies. Rate will revert back to the standard credit card rate
  • Free Additional cardholder plus option for joint account
  • Half the annual fee is donated to the McGrath Foundation every year

  • Nothing really

Creditcard.com.au review

Editor Review

Community First Low Rate Pink Visa 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.

The McGrath Pink Visa Credit Card

Allowing cardholders to support the McGrath Foundation, the McGrath Pink Visa Credit Card is an award-winning card with a low annual fee and a low rate of interest on purchases, balance transfers and cash advances. Cardholders can benefit from customer support provided by Community First, and all the accessibility and security offered by Visa.

What we love...

If you have spent any time comparing low rate cards, you may have noticed some offer lower rates than others. Issued by Community First, the McGrath Pink Visa Credit Card has one of the lowest rates on the market, with one super low rate across purchases, balance transfers and cash advances. But why is its low rate so much lower than other supposedly low rate options?

Community First is a mutual organisation, which means it is owned by its members. Where other banks may be owned by external shareholders – and their profits go towards paying out dividends to those shareholders – in a mutual organisation, profits can be used to support local communities or charities, or reinvested to benefit members with better rates and fees.

But, the McGrath Pink Visa Credit Card can provide more than just low rates and a low annual fee. As the name suggests, this is a card that supports the McGrath Foundation, and as a cardholder, half of your annual fee will go to the McGrath Foundation, each and every year. So, what does the McGrath Foundation do exactly?

The McGrath Foundation raises money to fund McGrath Breast Care Nurses in communities across Australia. The Foundation currently has 162 McGrath Breast Care Nurses, who each work to help individuals and their families experiencing breast cancer by providing physical, psychological and emotional support, for free.

What’s not so great...

Quite honestly, we don’t have anything to complain about on the McGrath Pink Visa Credit Card. It has an incredibly low purchase rate and a low annual fee – half of which is donated to help the McGrath Foundation to continue to do its amazing work.

Why should you choose this card?

Allowing you to support the needs of those experiencing breast cancer, the McGrath Pink Visa Credit Card is a card that would work well for cardholders who want to give something back as they use their credit card. With its low annual fee, it could be a good option for cardholders wanting to save money, and those who perhaps don’t use their card that often.

And, the current cashback offer covers the annual fee for over 2 years, making it a good value option for an emergency card or basic credit option.

Obviously, with such a low purchase rate, it may also be a worthy option for cardholders who carry a balance each month. Compared to some cards that have interest rates reaching 21% p.a. and higher, this card’s low rate could allow cardholders to save a significant amount in interest, to then pay off their balance faster.

For those who do clear their balance month to month, they can enjoy further savings with the card’s interest free feature. This provides up to 55 days interest free on purchases as long as you pay off your balance in full by the due date, and you don’t have a balance transfer on your account.

You may also find the eligibility requirements somewhat more lenient than other cards. While the McGrath Pink Visa Credit Card does require a good credit history, it doesn’t seem to have a minimum income requirement. And, once approved, you can take advantage of credit limits ranging from $500 up to $15,000.

To apply, you must be an Australian citizen or permanent resident aged 18 or over, you must have a regular income in a job you have held for at least six months. You must not be bankrupt, or have had defaults on any loans, credit cards, interest free finance or store cards in the past five years.

Overall Rating

The McGrath Pink Visa Credit Card could help you save with a super low purchase rate and annual fee, as you support the McGrath Foundation.

User reviews

Community First Low Rate Pink Visa Credit Card ( based on 5 Creditcard.com.au user reviews )

82% rating based on 5 reviews

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 McGrath Foundation

Eligible with Apple Pay

Overview

Community First Low Rate Pink Visa Credit Card

The McGrath Pink Visa is a credit card which enables you to support breast cancer research when you use it. Half the $40 annual fee is donated to the McGrath Foundation every year you keep the card. This card also features a low 8.99% p.a. purchase rate and cash advance rate.

Key features

  • 8.99% p.a. on purchases and cash advances
  • 0% p.a. balance transfer offer for the first 12 months. No balance transfer fee applies. Rate will revert back to the standard credit card rate
  • Free additional cardholder plus option for joint account
  • Half the card’s annual fee ($20) will be donated to the McGrath Foundation, each year you hold the card. The money raised goes towards the placement of nurses who support women with breast cancer and their families

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Resident or citizen of Australia. Temporary residents are eligible.

  • 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.

33 questions (showing the latest 10 Q&As)

Ralf

Ralf

26 September 2023
do i have to pay a international fee if i receive money from overseas
    Pauline - CreditCard.com.au

    Pauline

    27 September 2023
    Hi Ralf, that’s a great question! If you have a Community First Low Rate Pink Visa credit card and receive money from overseas, you may still incur international transaction fees. I suggest contacting Community First's customer service at 1300 13 22 77 to get specific information on any fees associated with receiving international payments.
debra

debra

24 August 2023
I'm in Perth what are the hours I can phone
    Pauline - CreditCard.com.au

    Pauline

    25 August 2023
    Hi Debra, you can call Community First directly at 1300 13 22 77. They’re available from 8am to 8pm on weekdays (6am to 6pm Perth time) and from 8am to 3pm on Saturdays (6am to 1pm Perth time).
Margaret Winkel

Margaret Winkel

28 June 2023
How can I get a little pink credit card??? I'm trying to find the application but I can't find one anywhere can you please help me??
    Pauline - CreditCard.com.au

    Pauline

    29 June 2023
    Hi Margaret, unfortunately, we don’t have an active partnership with the Community First Low Rate Pink Visa card. You can go to their website to apply. Alternatively, you can check out some of the other low interest rate credit cards for options.
Jenny

Jenny

9 December 2022
How do u pay monthly amounts on thejane Macgrath pink card
    Pauline - CreditCard.com.au

    Pauline

    12 December 2022
    Hi Jenny, you’ve actually reached Creditcard.com.au. You can make payments to your card monthly either via internet banking, via the mobile app or in branch. These will be listed in your welcome pack and card conditions of use.
Elizabeth Jackson

Elizabeth Jackson

22 March 2022
Hi I am wanting to do balance transfer from my current Visa card . The card has a limit of $7500 but we are only owing $3000 but since we are now retired we would like to be able to remove our debt and help our community in process. We look forward to your reply . Sincerely Elizabeth
    Pauline - CreditCard.com.au

    Pauline

    24 March 2022
    Hi Elizabeth, you’ll need to head directly to the Community First site to apply for a balance transfer.
Michele Heckenberg

Michele Heckenberg

14 August 2019
How do I apply?
Nicole Judd

Nicole Judd

14 August 2019
How can l apply please
DIANE MARY MC GRATH

DIANE MARY MC GRATH

14 August 2019
HOW DO I GET THE MC GRATH PINK CREDIT CARD?
Lynette

Lynette

21 November 2018
can you tell me what a visa chargeback fee is they have on this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 November 2018
    Hi Lynette, a charge back fee sounds like something you would pay if you charge backed a transaction. A charge back is when you dispute an item on your credit card bill and have the money put back into your account.
Lisa donnelly

Lisa donnelly

5 July 2018
as i dont have a community first near me how do you pay it off like a post office thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 July 2018
    Hi Lisa, You can pay by Personal cheque (posting), BPAY®, Auto-Pay or Direct debit for your McGrath Pink Visa credit card.
Steven

Steven

4 July 2018
I'm a pensioner, I have a MasterCard and have done for yrs, but once again another takeover this time Citi, am looking for lower interest rate like yours and was wondering if I qualify to change over to your credit card. Look forward to hearing from you. Steven
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 July 2018
    Hi Steven, Community first do not see the pension as income. Therefore you would need to have the required income from other sources such as SMSF payments to apply. The Big 4 banks can see the pension as income therefore I would review the offers available from them if you do not have other income source.
Rose

Rose

11 June 2018
How do I apply for a card?
ABIGAIL BOATENG

ABIGAIL BOATENG

3 June 2018
I am an international nursing student with student visa but I have plans to stay and work in Australia after my do I qualify for this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Abigail, I believe you need to be a permanent resident to apply for this offer. Depending on your status will affect what cards you can apply for. If you will be on a long stay working visa this will open up more offers. If you are staying on the student visa then these will be limited. Check out the ANZ First. Even if its not the right card. If you can get aproved for it now. Then build your credit history through good behaviour. Then you can look to cancel and apply for a more suitable card later down the track.

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