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 31 July and spend $500 by 31 October 2019.*

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 31 July and spend $500 by 31 October 2019.*

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

30,000 Bonus Awards Points when you apply for a new CommBank Awards credit card by 31 July and spend $2,000 on eligible purchases with your new card by 31 October 2019.^

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

100,000 Bonus Awards Points when you apply for a new CommBank Platinum Awards credit card by 31 July and spend $4,000 on eligible purchases with your new card by 31 October 2019.^

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.

Offer

120,000 Bonus Awards Points when you apply for a new CommBank Diamond Awards credit card by 31 July and spend $6,000 on eligible purchases with your new card by 31 October 2019.^

Business credit cards

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

Take me there

Things you should know

* Offer applies to new personal Low Rate, Low Rate Gold, Low Rate Business Credit Cards (personal liability) applied for between 01/05/2019 to 31/07/2019 only. Offer not applicable to CommBank Essentials credit card. To be eligible for the $200 cashback, you need to spend $500 on eligible purchases using your new card by 31/10/2019. Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any Low Rate card types in the 12 months prior. Offer only available on one credit card per customer, can be withdrawn at any time. Cashback will be credited within 60 days of you meeting the spend criteria and will appear on your statement as 'CASHBACK $200'. 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 are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

^ Offer applies to new Retail and Business Awards Credit Cards applied for between 01/05/2019 and 31/07/2019 only. To be eligible for the bonus CommBank Awards points, you need to meet the minimum spend requirements on eligible purchases applicable to your card using your new card by 31/10/2019 (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 Awards cards types in the 12 months prior. Offer only available on one credit card per customer, can be withdrawn at any time. Bonus points will appear on your statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. You will be ineligible for the points if your account is closed, transferred, or in default at any time prior to the points being credited to your account. The earning and redemption of CommBank Award points are subject to the Commonwealth (CommBank) Awards Program Terms and Conditions, available at commbank.com.au/awardst&cs.
Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

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® 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.