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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 24 January 2021

Purchase Rate (p.a)


Balance Transfer (p.a)


Annual Fee (p.a)


$0 over 99 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
  • Free Additional cardholder
  • Half the annual fee is donated to the McGrath Foundation every year

  • Nothing really review

Editor Review

Community First Low Rate Pink Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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 132 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.

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 user reviews )

82% rating based on 5 reviews

Customer Service

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 8.99% p.a. for 99 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

Banks you can't balance transfer from Community First

Credit limits

Minimum credit limt $500

Maximum credit limit $15,000

Fees & repayments

Annual fee $40 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment

Cash advance fee N/A

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


Help to support the work of the McGrath Foundation

Eligible with Apple Pay


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. Get up to 55-days interest free on purchases. When you apply for the card you will also be applying to become a member of Community First, as the card is offered in conjunction with Community First Credit Union.

Key features

  • 8.99% p.a. on purchases and cash advances
  • Free Additional cardholder
  • 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

Roland B Bleyer

Roland B Bleyer founded in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

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

28 questions (showing the latest 10 Q&As)

Michele Heckenberg

Michele Heckenberg

14 August 2019
How do I apply?
Nicole Judd

Nicole Judd

14 August 2019
How can l apply please


14 August 2019


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


    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 - Founder


    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.


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 - Founder


    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.


11 June 2018
How do I apply for a card?


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 - Founder


    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 for Students. 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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