McGrath Credit Cards

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Enjoy convenient spending while your annual fee contributes to a worthwhile cause

The McGrath Foundation works towards raising money for funding McGrath Breast Care Nurses across Australia and for creating awareness amongst young Australians, particularly women. Jane McGrath founded the McGrath Foundation in 2002, and this organisation now rates as the nation’s leading breast cancer support foundation. It has, through over 100 McGrath Breast Care Nurses, already provided support to more than 33,000 Australian families, with many more to follow suit. The McGrath Foundation, in association with Community First Credit Union, offers a Visa credit card and Visa debit card. This credit union has more than 70,000 members and offers its services through 11 financial services stores spread across Sydney and the Central Coast region.

McGrath Foundation Credit Cards

Rates last updated September 29th, 2016.

McGrath Pink Visa

3.99% interest rate for retail purchases, cash advances and balance transfers for 6 months.

June 16th, 2016

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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
McGrath Pink Visa
Award winning credit card with a low interest rate offer for 6 months on purchases, balance transfers and cash advances.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. More info

Types of credit cards offered by McGrath Foundation

If you’re thinking about getting a McGrath credit card, while you don’t have much in terms of different options, the low rate Visa card that is available comes with various useful features.

  • Low rate credit cards

A low rate card can prove to be particularly beneficial if you don’t pay your outstanding balances in full each month. With the McGrath Pink Visa Card, apart from enjoying a low ongoing rate, you can get up to 55 interest-free days on purchases. In addition, the interest this card charges on cash advances and balance transfers is the same as the interest on purchases. You can use this card to transfer balances from existing credit cards.

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
McGrath Pink Visa
Award winning credit card with a low interest rate offer for 6 months on purchases, balance transfers and cash advances.
3.99% p.a. for 6 months (reverts to 8.99% p.a.) 3.99% p.a. for 6 months $40 p.a. Up to 55 days on purchases More info
Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 18 months $59 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
Newcastle Permanent Value+ Credit Card
Enjoy a competitive annual fee and interest rates on purchases, cash advances, and balance transfers.
11.49% p.a. $49 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 2% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 12 months on balance transfers and 0% p.a. for the first 3 months on purchases.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $30 p.a. Up to 44 days on purchases Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about low rate credit cards

Benefits of getting a McGrath credit card

When you get a McGrath credit card through Community First Credit Union you get to enjoy the benefits of banking with a member-owned financial institution. Getting the McGrath Pink Visa Card come with numerous benefits.

  • Contribute towards the McGrath Foundation

This card charges a nominal annual fee, but half your annual fee goes to the McGrath Foundation every year. The money raised goes towards placing nurses to support women with breast cancer along with their families.

  • Use your card globally

The credit card offered by McGrath is a Visa card, meaning it finds global acceptance. Look forward to using your card anywhere that carries the Visa logo, including in-store in over 200 countries worldwide.

  • Visa benefits

Visa benefits aren’t limited to the global usage of this card. The McGrath Pink Visa Card makes use of payWave technology, so you can look forward to quicker check-outs by making contactless payments of under $100. When you use this credit card to make online transactions, Verified by Visa works by assessing the risk of each transaction, providing an extra layer of security. The Visa Zero Liability policy also  works to protect cardholders against unauthorised and fraudulent transactions.

Applying for a McGrath credit card

You can apply for a McGrath credit card online. You can also apply by visiting your nearest Community First financial services store. If you wish to apply online, click on the ‘Go to Site’ button when it’s located next to the credit card’s details.

Eligibility criteria

  • You’re an Australian citizen or a permanent Australian resident
  • You’re at least 18 years old
  • You’re not bankrupt
  • You have good credit history

Required Information

  • Personal. A variety of personal information is required in your application. Details such as your name, contact details and driver’s licence number will need to be provided.
  • Work. You’ll need to indicate your current place of work, your employment status and the name and contact details of your employer. You’ll also have to mention the duration of employment with your current employer.
  • Financial. Financial information includes your income, expenses, assets, and liabilities.

What happens after submitting your application

Once you submit your application, a Community First representative might get in touch with you to collect additional information. Upon approval, you get a phone call on your preferred contact number. Non-members have to apply for Community First membership to get their McGrath credit cards, and this requires going through a legally mandated identity verification process.

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Frequently asked questions

Have a question about McGrath’s credit cards that aren’t answered on the page above? Check the section below. If you want to ask another question, you can ask a member of the finder.com.au team by using the form at the end of this page.

How quickly can I complete the McGrath Pink Visa Card application?

With all the relevant information close at hand, you can complete this application in five to 10 minutes. If you don’t have all the required information, you can save your application and return to it later.

What repayment options do I have?

You can set up automatic payments via payroll deduction using a Community First account, and you can also set up automatic repayments using accounts from other financial institutions. You can make payments via phone banking and online banking, you can make payments by visiting any Community First financial services store, and you can also make payments via BPAY.

What credit limit might I get?

The minimum and maximum credit limits of the McGrath Pink Visa Credit Card are $1,000 and $15,000, respectively. The credit limit assigned to you depends on various factors, of which your ability to make repayments is the most crucial.

Can I ask for an increase in my McGrath credit card’s limit?

You can request an increase for  your card’s credit limit, but to qualify you have to meet certain credit criteria. You can apply for a credit limit increase online, over the phone, or by visiting a Community First financial services store.

How often do I get a statement, and is there anything about it that I need to know?

Community First Credit Union dispatches credit card statements monthly, and you can request for a duplicate statement over the phone. You can register for e-statements to receive your statements electronically, and you can also find out your account balance via online and phone banking.

Can I add an additional cardholder, and if so, is there a fee?

You can add an additional cardholder for free, but the individual in question should be over 18 years of age and meet identity verification requirements.

How can I transfer balances from other credit cards?

If you wish to use this card for balance transfers you have to provide all relevant details when you hear from Community First about your card’s pre-approval.

What do I do if I lose my card?

To report a lost or stolen card, you should call the Visa hotline immediately. You should follow this by calling Community First to request for a replacement card.

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Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
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Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
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Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

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