Compare our Credit Cards

Apply online for a new Low Rate or Low Rate Gold credit card and get $50 cash back into your account after activation*. Limited time.

Looking for a simple way to compare credit cards? Simply use our credit card comparison tool below, which makes it even easier for you to compare all of our credit cards to find the right card for you. 

If you are the type of person who likes to be rewarded as you spend, you may wish to consider one of our Awards credit cards. If you use your Awards credit card to pay, chances are, you’ll earn reward points.

If you are looking for flexibility and convenience in a credit card, there are two simple options – A Low Rate credit card or a Low Fee credit card. A Low Rate credit card provides you with financial flexibility to make purchases, and pay these off over time at a low interest rate. While a Low Fee credit card provides you with the convenience of a credit card, along with a low or no annual fee.

All our credit cards come with great features, so it comes down to what you need a card for, and how you plan to use it.

So, whether you are after a credit card with a rewards program or the flexibility to pay of your credit card over time with a low interest rate. Or even a credit card with a low, or even no annual fee, simply use our credit card comparison table below to choose a credit card that suits your needs.

Once you select the right credit card, you are able to apply online.

Feature Awards Credit Cards Low Fee Credit Cards Low Rate Credit Cards

Awards credit card Gold Awards credit cards Platinum Awards credit cards Diamond Awards credit cards Low Fee credit card Low Fee Gold credit card Low Rate credit card Low Rate Gold credit card Interest rate on purchases 20.74 % p.a. 20.74 % p.a. 20.74 % p.a. 20.74 % p.a. 20.24 % p.a. 20.24 % p.a. 13.49 % p.a. 13.49 % p.a. Interest rate on cash advance 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. 21.74 % p.a. Annual Fee $89 /$591 $144 /$1141 $280 /$2501 $425 /$3951 $24 /$02 $90 /$03 $78 /$481 $120 /$901 Interest Free Days on Purchases Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Additional Cardholder Yes, for $15 p.a. Yes, for $15 p.a. Yes, for $15 p.a. Yes, for $15 p.a. Yes, free Yes, free Yes, free Yes, free Commonwealth Awards points earned 5 American Express: 1.5 points per $1 MasterCard® Card:1 point per $1 American Express: 2 points per $1 MasterCard Card:1 point per $1 American Express: 3 points per $1 MasterCard Card:1 point per $1 American Express: 3 points per $1 MasterCard Card:1.25 points per $1 n/a n/a n/a n/a Balance Transfer Option 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months 5.99% p.a.for 5 months Additional Features International Travel Insurances† × √ √ √ × √ × √ Shopping Insurances† × √ √ √ × √ × √ ‘Your Concierge’ 24/7 Concierge × × √ √ × × × × Premium Privileges × × √ √ × × × × CreditCard Plus Protection# Optional Optional Optional Optional Optional Optional Optional Optional Other Benefits MasterCard® applause™ √ √ √ √ √ √ √ √ MasterCard® Moments™ × √ √ √ × √ × √ MasterCard® PayPass™ √ √ √ √ √ √ √ √ American Express Selects √ √ √ √ × × × × globaleshop by American Express √ √ √ √ × × × × Card Security Features √ √ √ √ √ √ √ √   * Your credit card account will be credited with $50 cash back if you apply online for this offer between 16/01/12 and 26/02/12 and activate your credit card account within two months of your account being approved. Only new personal liability Low Rate and Low Rate Gold credit card accounts opened for personal use are eligible for this offer. You will be ineligible for the $50 cash back if your account is closed, transferred or in default at any time prior to the $50 cash back being credited to your account. The $50 will be credited to your account by the 7/05/2012. 1 The lower annual fee will be charged if you hold an qualifying Commonwealth Bank account or loan at point of application. Otherwise the higher fee will be charged. For a list of eligible accounts and loans see Standard Fees and Charges booklet (ADB1682) available from branches or go to commbank.com.au/preferentialpricing. 2 The annual fee on the Low Fee Card is waived in the first year if you hold a qualifying Commonwealth Bank account or loan at point of application, and in each subsequent year if you have spent (purchases and cash advances only) at least $1,000 in the previous year. For a list of eligible accounts and loans see Standard Fees and Charges booklet (ADB1682) available from branches or go to commbank.com.au/preferentialpricing. 3 The annual fee on the Low Fee Gold Card is waived in the first year if you hold a qualifying Commonwealth Bank account or loan at point of application, and in each subsequent year if you have spent (purchases and cash advances only) at least $10,000 in the previous year. For a list of eligible accounts and loans see Standard Fees and Charges booklet (ADB1682) available from branches or go to commbank.com.au/preferentialpricing. 4 $0 annual fee charged on the Student option for the duration of your studies. To qualify you must be a full-time tertiary student & have a Student Options Debit MasterCard® or Streamline account. Reverts to Low Fee Card pricing after your studies have finished. 5 Commonwealth Awards points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping - for details please refer to the Commonwealth Awards Program Terms and Conditions in Important Information. † Conditions apply. Refer to your Commonwealth Bank Gold Awards Credit Card and Platinum Awards Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure. # CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. You can obtain a Product Disclosure Statement (PDS) by calling 13 2015 between 8 am and 8 pm (Sydney time), Monday to Friday, or from any Commonwealth Bank branch. You should consider the CreditCard Plus PDS before reaching a decision about the product.