Community First Bank Low Rate Credit Card

credit card

Low Rate Credit Card is a credit card from Community First Bank, as the bank publishes it in its product data. Its purchase rate is 9.99% and its card fee $50 a year. It ranks 8th of 52 issuers for a personal card by lowest purchase rate.

What the feed states

Purchase rate

9.99%

Cash advance rate

9.99%

Interest-free days

up to 55

Card fee

$50 a year (LOW_RATE_CREDIT_CARD_ANNUAL_FEE)

Foreign transaction fee

3% of the transaction

Cash advance fee

$2

Late payment fee

$25

Digital wallets

Apple Pay, Google Pay, Samsung Pay

Additional cardholders

up to 1

Credit limit

from $500

Minimum age

18

Scheme

Visa

Conditions and offers

• interest is charged on purchases while a balance transfer is outstanding
• Australian citizen or permanent resident with a regular income, more than 6 months in the current job, no defaults in 5 years, not bankrupt
• Australian citizen or permanent resident only

About this card

A low rate credit card with the same low rate on cash advances and up to 55 days interest free on purchases. Choose pink and half the annual fee is donated to the McGrath Foundation each year

Data

• Community First Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-24.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/commfcu.json: this issuer's cards as JSON; Community First Bank's page lists them.
• The bank last updated this record on 2026-10-06; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.