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

$200 cashback offer. Apply by 28 Oct 2018 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

$200 cashback offer. Apply by 28 Oct 2018 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.

Platinum Awards credit card

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

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.

Business credit cards

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

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Things you should know

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

* Offer applies to new personal Low Rate and Low Rate Gold / Low Rate Business Credit Cards (personal liability) applied for online, in-branch and over the phone between 15 August 2018 and 28 October 2018 only. To be eligible for the $200 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 all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any of the eligible card types in the 12 months prior to 15 August 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. Cashback will be credited within 60 days of you meeting the eligibility criteria and will appear on your statement as ‘CASHBACK $200’. You will be ineligible for the cashback if your account is closed, switched to another card, or in default at any time prior to the cashback being credited to your account.

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.