Low rate credit cards

With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off your balance over time. 

Low Rate credit card

With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off purchases over time.

OFFER

$250 cashback offer. Apply by 31 Jan 2019 and spend $500 within 90 days of card activation.*

Low Rate Gold credit card

Stay in control of your finances with our low purchase interest rate, plus handy extras like international travel insurance. 3

OFFER

$250 cashback offer. Apply by 31 Jan 2019 and spend $500 within 90 days of card activation.*

CommBank Essentials credit card

Everyday convenience at our lowest interest rate on purchases.

Low fee credit cards

Enjoy no annual fee for the first year and each year after when you meet certain spend requirements.1

Low Fee credit card

Enjoy the flexibility and convenience of a credit card with a low annual fee.

Low Fee Gold credit card

Enjoy the flexibility and convenience of a credit card with no annual fee in the first year and included insurances.3

Awards credit cards

Earn points2 quickly when you use your CommBank Awards credit card for daily spending.

Awards credit card

For customers who want a lower annual fee and credit limit, but still like to earn Awards points.

OFFER

Get a $200 voucher^ for eligible items on amazon.com.au+ Apply by 14 February 2019 and spend $500 on your new card by 31 May 2019. Valid email address required. Other conditions and fees apply^.

Platinum Awards credit card

A credit card with the opportunity to earn Awards points and take advantage of extras like international travel insurance. 3

OFFER

Get a $200 voucher^ for eligible items on amazon.com.au+ Apply by 14 February 2019 and spend $500 on your new card by 31 May 2019. Valid email address required. Other conditions and fees apply.^

Diamond Awards credit card

Our credit card with the highest rewards earning potential. For customers willing to pay a higher annual fee for our ultimate Awards experience.

Get a $200 voucher^ for eligible items on amazon.com.au+ Apply by 14 February 2019 and spend $500 on your new card by 31 May 2019. Valid email address required. Other conditions and fees apply.^

Business credit cards

Manage your business cash flow and get rewarded for your spend.

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Things you should know

* Offer applies to new personal Low Rate, Low Rate Gold and Low Rate Business Credit Cards (personal liability) applied for between 01/11/2018 and 31/01/2019 only. To be eligible for the $250 cashback, you need to spend $500 on eligible purchases using your new card within the first 90 days of card activation (excludes balance transfers, cash advances and any purchase that is reversed or refunded). Offer excludes CommBank Essentials credit cards, all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any of the above cards types in the 12 months prior to 01/11/2018. Offer only available on one credit card per customer, can be withdrawn at any time, and cannot be used in conjunction with any other offer. Cash back will be credited within 60 days of you meeting the eligibility criteria and will appear on your statement as ‘CASHBACK $250’. You will be ineligible for the cash back if your account is closed, switched to another card, or in default at any time prior to the cash back being credited to your account.

Applications for credit cards are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

^ AU$200 Amazon voucher: To be eligible to receive an AU$200 voucher redeemable on eligible items on amazon.com.au you need to apply for a new CommBank Awards, Business Awards, Platinum Awards, Business Platinum Awards or Diamond Awards credit card (“eligible card”) between 6 November 2018 and 14 February 2019 and spend AU$500 on eligible purchases using your new card by 31 May 2019 (includes BPAY transactions, payments to the ATO but excludes balance transfers, cash advances and any purchase or transaction that is subsequently reversed or refunded). The AU$200 voucher will be provided in the form of a Promotional Code sent to you by email usually within 30 days (but may take up to 60 days) of you meeting the eligibility criteria, provided you give us your current email address when you apply for your card. Vouchers/Promotional Codes will not be reissued if the email address you provided is incorrect or invalid. Use of the Promotional Code is subject to amazon.com.au  terms and conditions.  

These terms and conditions apply to the use of the unique AU$200 Promotional Code emailed to eligible CBA customers for redemption via amazon.com.au or the Amazon app on purchases of eligible item(s) (“Promotional Code”). For the purpose of these terms and conditions, “eligible items” refers to any items sold on amazon.com.au other than membership subscriptions (e.g. Audible) and gift cards. Amazon's standard delivery rates and policies will apply to purchases made on amazon.com.au or via the Amazon app. The Promotional Code may be redeemed in any number of transactions up to the value of the Promotional Code. To redeem the Promotional Code, shop on amazon.com.au or the Amazon app, add eligible items to your cart, then enter the Promotional Code into the relevant field during the checkout process and the Promotional Code will be applied to your order. If you return any eligible item purchased using the Promotional Code, Amazon AU will only refund the price actually paid for the item (that is, less the value of the Promotional Code) and the Promotional Code will be invalidated. The Promotional Code is not transferable and may not be resold. The Promotional Code cannot be used on pre-existing orders and will not apply to orders placed with 1-Click. If you violate any of these terms and conditions, the Promotional Code will be invalid. Amazon.com.au’s Conditions of Use and Sale apply to purchases made on amazon.com.au or via the Amazon app. The Promotional Code is valid (up to the value of the Promotional Code) until 11:59PM (AEDT) on 4 December 2028.

Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges apply.

1 We'll waive your annual fee for the first year. You’ll continue to pay no annual fee in subsequent years as long as you spend at least $1,000 (Low Fee) or at least $10,000 (Low Fee Gold) in the previous year (on purchases and cash advances only). 

2 Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers). Membership of CommBank Awards is subject to the Terms and Conditions of the Commonwealth Awards Program.

3 If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia. 

If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia. 

Cover is available for you, your spouse and your eligible dependent/accompanied children for return trips from Australia, up to a set period. You need to activate your international travel insurance included with eligible credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. 

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.