The Community First n0w is a no interest credit card that charges a flat, monthly fee when you use it. This fee is based on your credit limit and you have 3 choices: a $1,000 limit and a $9 monthly fee; a $2,000 limit and a $14 monthly fee; or a $3,000 limit and a $19 monthly fee.
Community First n0w Credit Card
Edited by Joselle Delos Reyes
Terms and conditions apply
- Purchase rate
- 0% p.a.
- Annual fee
- $0 p.a.
Our verdict
This credit card offers no interest on purchases or cash advances, with a monthly fee between $9 and $19 instead.
The Community First n0w Credit Card is one of the few credit cards in Australia that doesn’t charge interest, with a $9 to $19 monthly fee instead. Similar to other no interest cards, the flat monthly fee is based on the credit limit – and can be waived if you don’t owe anything and don't use the card for a month.
Unlike most other cards in this category, the Community First n0w allows cash advance transactions (such as ATM withdrawals). But you'll pay a cash advance fee of $3 in Australia and $5 overseas. There's also a 3% international transaction fee – so you’ll typically have fewer costs on this card if you're shopping in Australia instead of overseas.Pros
-
No interest charges or late payment fees
-
No monthly fee when you have a $0 balance and don’t make purchases for a calendar month
-
Works with Apple Pay, Google Pay and Samsung Pay
-
Use the card anywhere Visa is accepted
Cons
-
Maximum available credit limit of $3,000 is low compared to standard credit cards
-
Cash advance fees for ATM withdrawals and other cash advance transactions
-
3% foreign currency conversion fee
-
Doesn't provide rewards, interest-free credit cards such as the Westpac Flex Card do
Details
Product details
| Product Name | Community First n0w Credit Card |
| Purchase rate p.a. | Purchase rate p.a. 0% |
| Interest-free period | |
| Min credit limit | $1,000 |
| Max credit limit | $3,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $0 |
| Minimum monthly repayment | 2.5% of the closing balance or $20, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Cash advance fee | $3 |
| Overseas cash advance fee | $5 |
Your reviews
No reviews yet.
Write a review
Amy Finder
Editor
Hi there, looking for more information? Ask us a question.
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
More resources on Finder
Card types
Cards from