Features

Save on interest	13.49 % p.a. on purchases 21.74 % p.a. on cash advances
Great low fee	Reduced annual fee for eligible cardholders
Interest-free period	Up to 55 days interest free on purchases and most bill payments.
Shop online safely	Never be held liable for fraudulent use of your credit card, provided you follow the Credit Cards Conditions of Use.
Complimentary International Travel Insurance	You’ll automatically receive complimentary overseas travel insurance free of charge for you, your spouse and your dependent children for return trips of up to 3 months, if you meet the eligibility criteria~.   Find out more.
Extended warranty insurance	Most purchases will gain up to one extra year's warranty on top of the manufactures Australian Warranty.
Purchase security insurance	Most purchases made with your Gold card are protected by our Purchase security insurance. If these items are lost, stolen or damaged within 90 days, we’ll repair or replace them.
Security chip protection	Enhanced security chip and leading fraud detection systems.
PayPass™ a faster way to pay	Make payments by simply tapping your card against a PayPass™ reader.
State of the art fraud protection	Advanced systems in place, monitoring your account 24/7.
Transactions updated instantly	Your Commonwealth Bank Credit Card gives instant transaction updates, 24/7, 365 days a year*. There’s no more waiting overnight or until Tuesday to see your weekend transactions. With instant updates you’ll always know where you stand.
Transaction Location Mapping	With the power of Search technology, you can keep track of your spending.
Alerts	Make sure that you never miss a credit card payment by setting up custom alerts and payment reminders.
Credit Card Plus	Offers optional card repayment cover against death, disablement and involuntary unemployment up to a maximum of $15,000.

Great low fee

If you hold a qualifying Commonwealth Bank account or loan when you apply for a Commonwealth Bank Low Rate Gold credit card then we’ll discount your annual fee by $30.

Shop online safely

We guarantee that you will never be held liable for the unauthorised use of your credit card when you shop online, provided you follow the Credit Cards Conditions of Use.

When using your MasterCard^® Secure Internet Shopping offers the peace of mind you need to confidently buy online. Just look for the MasterCard^® SecureCode™ logo or Verified by Visa logo when you're on a merchant’s website. When you’re ready to purchase all you have to do is enter your Visa Password or MasterCard^® SecureCode™.  

Complimentary International Travel Insurance   

You’ll automatically receive complimentary overseas travel insurance free of charge for you, your spouse and your dependent children for return trips of up to 3 months, if you meet the eligibility criteria~.  

Find out more.

Extended warranty insurance

How many times have you had something break just after the warranty has expired? When you use your Gold card, most purchases will gain up to one extra year's warranty on top of the manufacturer’s Australian Warranty.

Purchase security insurance

Most purchases made with your Gold card are protected by our Purchase security insurance. If these items are lost, stolen or damaged within 90 days, we’ll replace them.

Benefit from enhanced security chip protection

With your Low Rate Gold MasterCard^® card, you will have peace of mind that your card and money is protected by an enhanced security chip and state of the art fraud detection systems.

Enjoy a faster way to pay

MasterCard^® PayPass™ is a faster, easier way to make purchases. Make payments by simply tapping your card against a PayPass™ reader. Once the transaction is confirmed, you're done. No need to sign or enter a PIN for amounts under $100. You just Tap and Go™. 

Fraud protection systems

We know how important security is to you so we have developed state of the art fraud detection systems which monitor your account 24/7. The systems detect any abnormal transactions or spending patterns on your account, and if deemed suspicious, we will contact you immediately to confirm it was yours.

Transactions updated instantly

Your Commonwealth Bank Credit Card gives instant transaction updates, 24/7, 365 days a year*. There’s no more waiting overnight or until Tuesday to see your weekend transactions. With instant updates, you’ll always know where you stand.

Transaction Location Mapping

Ever seen a transaction from a store you don’t remember shopping at? With the power of Search technology, you can keep track of your spending like never before. From your online credit card statement, you can easily monitor the shops and locations where you have used your card.

Alerts

Make sure that you never miss a credit card payment by setting up custom alerts and payment reminders. You will then receive an SMS or email five days before your credit card payment is due, making it simple to manage your repayments^

CreditCard Plus

CreditCard Plus is an affordable insurance option that’s designed to help you meet your minimum monthly credit card repayments if you suffer total temporary disablement due to an injury or illness or if you are involuntarily unemployed. In some cases, it can cover you for the balance owing on your card. Conditions and fees apply*.

 

• Important information
  ~You must charge to the cardholder’s eligible credit card account or pay using the cardholder’s Commonwealth Awards points, or a combination of both, a set amount of each person’s prepaid travel costs, and travel together for the entire journey. Exclusions, including pre-existing medical conditions, and an excess on some claims, may apply. Please refer to our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB) for full details, including definitions of key terms such as ‘spouse’ and ‘dependent children’.
  
  * Excludes manual transactions and some contactless payments
  
  ^ Subscription to this service may be limited.
  
  The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Please view our Credit Card Conditions of Use. CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035. A PDS for CreditCard Plus is available by clicking here and should be considered before making any decision about CreditCard Plus. The offer made in the PDS is currently available only to permanent residents of Australia and persons receiving the document within Australia. Applications from outside Australia will not be accepted
  MasterCard and the MasterCard Brand Mark and PayPass and SecureCode are registered trademarks of MasterCard International Incorporated.