Help us improve our website by completing a quick survey. Start survey now

About the Low Rate credit card


  • Ideal cash flow tool for small business owners
  • Simple application process, no need to provide business financials
  • Separate your business expenses from your personal, saving you time with every BAS
  • Low competitive interest rate
  • No annual fee
  • By choosing to take personal responsibility for your card, you can apply online now and receive your card in as few as 10 business days (pending credit approval)
  • Choose between Personal or Business liability:
    • Personal liability is ideal for small businesses, including sole traders and partnerships, where the primary card holder takes personal responsibility for all transactions on the account
    • Business liability is ideal for companies where the business is responsible in full for all transactions and balances owing on the card 


  • Low, competitive interest rate with no annual fee and no interest-free period
  • Unsecured credit limit of up to $50,000 (based on eligibility criteria)
  • Option of one additional cardholder
  • Manage online with CommBiz or NetBank – request online statements, establish automated payments, order cards and change daily withdrawal limits
  • Complimentary transit accident insurance up to $250,000 for cardholders
  • Add your business name on the credit card beneath cardholder’s name

Rates and fees

Learn more

Related products

Business Awards credit cards

Business Awards credit cards are perfect for those looking to reward themselves for their business purchases.

Learn more

Business Interest-Free Days credit card

Designed for those looking for a card with a competitive interest-free period to help with business cash flow.

Learn more

Talk to us

Important information

* Applies to applications received by 15/9/14 and approved by 15/10/14; can be withdrawn at any time at the Bank’s discretion; and cannot be used in conjunction with any other offer. Excludes Corporate, Business Liability Business and existing Credit Card accounts. After 10 months from date of card approval, the rate converts to the standard variable purchase interest rate for your card current at that time. Applications are subject to credit approval. A separate variable interest rate applies for cash advances. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated. American Express is a trademark of American Express. The CommBank Business Awards American Express(R) Card is issued to the Commonwealth Bank of Australia pursuant to a license from American Express. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945. 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.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in our Letter of Offer. Bank fees and charges may apply. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. Commonwealth Bank of Australia issues all products on this webpage. View our Financial Services Guide (PDF 59kb)

View Terms and Conditions for Electronic Banking (PDF 135kb), NetBank and CommBiz (PDF 325kb) and consider them before making any decision about these products. View our Certificate of Transit Accident Insurance (PDF).