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Balance Transfer Rate
for 6 months then 8.99%
Max Free Days
Based on your details, you can compare and save on the following credit cards
Pros and Cons
- Ongoing purchase rate ranked in the best 20%
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
- No reward program
Community First Credit Union Features and Fees
Interest Free Days
Interest Free Days
Minimum monthly repayment
3% or $20
Minimum credit limit
Maximum credit limit
Free supplementary cards
Number free supplementary
Annual Fee Spend Waiver
Supplementary card annual fee
Late Payment Fee
Over limit fee
Duplicate statement fee
Electronic Wallet Service
Cash advance rate
Cash advance fee
Balance Transfer Rate
Balance Transfer Rate
for 6 months then 8.99%
of the approved credit limit
Balance Transfer Fee
Foreign Exchange Fee
3% on Visa
Estimated ATM Cost
for AU $300 withdrawal
Must have regular income and have been in your current job for longer than 6 months.
Australia Citizen, Permanent Resident
- FREE SUPPLEMENTARY CARDS
- Balance Transfer 0% p.a. on balance transfers for 6 monthsThis is an introductory rate for 6 months only on balance transfers from funding date. After the initial 6 month introductory period, the interest rate for the balance transferred will revert back to the standard credit card rate at the time. Offer available for new and existing card holders where new balances are transferred to the card.
Compare and review credit cards with similar features
Credit Cards News
Are credit checks mandatory?
In Australia it is impossible to get a credit card without the provider performing a credit check first. This is for your benefit, as it helps to prevent you from falling into avoidable debt.
How to get a credit card for the first time
A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.
If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.
Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.
When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.
How easy is it to get a credit card?
For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.
Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.
Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.
Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.
Do you need a credit card to get a loan?
You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.
If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here.
What happens if I have a bad credit score?
If you have a bad credit score, you might encounter two main problems. First, the lower your credit score, the more likely you are to be rejected when you apply for a loan or any other credit product. Second, if your application is accepted, the less likely you are to qualify for the lowest interest rates.
What should you do if your credit card is compromised?
Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.
Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.
Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.
Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.
How many numbers are on a credit card?
The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14.
The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid.
Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.
How do credit cards work?
Think of credit cards as a short-term loan where you use the bank’s money to buy something up front and then pay for it later. Unlike a debit card which uses your own money to pay, a credit card essentially borrows the bank’s money to fund the purchase. When you apply for a credit card, the bank assesses your income and assigns you a credit limit based on what you can afford to pay back. At the end of each billing cycle, which is usually monthly, the bank will send you a statement showing the minimum amount you have to pay back, including any interest payable on the balance.
How do you apply for a credit card?
You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.
How do you use credit cards?
A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.
How do you pay off credit cards?
The best way to pay off a credit card bill is to set a realistic spending budget and stick to it. Each month, you’ll get a credit card statement detailing how much you owe and how long it will take to pay off the balance by making minimum repayments. If you only make the minimum repayments, it will take you years to pay off your outstanding balance and add extra costs in interest charges. To avoid any extra charges, you should pay the entire bill.
What is a credit card?
A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.
How do you cancel a credit card?
It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.
How do you use a credit card?
Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.
What is a balance transfer credit card?
A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card.
Does St. George Bank offer any credit card insurance?
Depending on the type of card they hold St. George Bank credit cardholders can benefit from a host of various credit card insurance offerings including:
Complimentary overseas travel insurance, covering:
- Medical and hospital expenses incurred while travelling overseas, with the exclusion of pre-existing conditions
- Loss or damage to personal property
- Legal liabilities
- Loss or damage to rental vehicles
- Unexpected cancellation of travel arrangements or any other unforeseen expenses
Complimentary purchase security insurance may be available to level 1 cardholders for four months and three months of complimentary insurance accessed by level 2 cardholders. This type of insurance covers loss, theft, and damage costs to eligible products purchased anywhere around the world, provided that the product was purchased using the St. George Bank credit card.
Extended warranty insurance may be available to St. George Bank credit cardholders, which extends the manufacturer’s Australian warranty on certain products purchased. For example, if you purchase a pair of headphones that comes with 11 months of warranty, St. George Bank will provide an extended warranty of 11 months, provided the entire purchase is charged to the St. George Bank credit card.
Select cardholders may be able to take advantage of St. George Bank’s rental vehicle excess insurance, which covers up to $5,500 for any excess or deductible which the cardholder is legally liable to pay during the rental period.
How can I get a Woolworths store card credit limit increase?
If you are looking to increase the credit limit on your Woolworths card, you can call 1300 101 234 to make an application. You will need to have held your Woolworths credit card account for at least six months before asking to increase your limit.
As with most credit limit increase applications, your financial situation and spending history will be reviewed in order to assess whether your new requested credit limit is appropriate. After the assessment, Woolworths will let you know whether or not you’ve been approved.
What to consider before transferring money from your credit card to your bank account in Citibank?
You can transfer money from a Citibank credit card to a bank account depending on the available limit of each. The process is known as a cash advance transaction, and Citibank should allow you to transfer some portion of the total credit limit.
Transferring funds from a credit card to a bank account is likely to attract additional charges, so please consider the following potential costs:
- A cash advance fee, which is a per cent of the total transfer amount
- A 2 per cent transaction fee when you transfer money from a Citibank credit card to a bank account
- Cash advance interest rate applicable on the transfer amount without any interest-free period.
To learn more about such transfers, you can contact the bank via the online service desk, email, or by calling 13 CITI (13 24 84).
How do I file a Virgin Money credit card insurance claim?
To make a claim, you can either call Allianz Global Assist at 1800 072 791 or visit their claims page. If you’re making a claim related to any travel-related complimentary insurance, such as international travel or transit accident insurance, you may need to visit their travel claims website. Again, for filing a claim while travelling overseas, you can call Allianz at +61 7 3305 7499.
Before filing your claim, consider checking which complimentary insurances are available with your Virgin Money credit card. Customers who own a ‘no annual fee’ or ‘low rate’ credit card don’t get these benefits, while some other credit cards only come with guaranteed pricing and transit accident insurance.
Remember that you’ll need to submit proof that your credit card offers the complimentary insurance benefit which you are claiming. You can read the credit card complimentary insurance terms and conditions for details regarding the benefits available on your credit card.
Do I qualify for Bank of Melbourne credit card insurance?
You may be eligible for transit accident insurance, purchase security insurance, and extended warranty no matter which type of Bank of Melbourne credit card you own.
Some credit card customers may get coverage for international or domestic travel insurance, rental vehicle excess in Australia, and price guarantee as well.
However, the exact terms of the insurance coverage can differ based on the specific credit card. For instance, if you buy any personal items with a Level 1 credit card, your purchase security insurance may be valid for up to four months from the purchase date. For someone with a Level 2 credit card, such coverage may only be available for three months.