Low Rate Gold credit card

A credit card with a low 13.24% p.a. purchase interest rate and the opportunity to take advantage of extras like international travel insurance.2

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Get up to $300 cashback offer

You’ll enjoy 10% cashback on purchases, up to $100 per month for the first three months. That’s up to $300 cashback you can put back in your wallet.1  

low rate gold credit card

Getting your cashback

  1. Apply for a new Low Rate Gold credit card by 31 October 2019
  2. Spend on your new card and receive 10% cashback on eligible purchases up to $100 per month, for the first three months
  3. Your cashback will be credited to your account each month within 90 days of you meeting the monthly eligibility criteria

Keep in mind, if you’ve held any Low Rate credit cards in the last 12 months, you won’t be eligible for the offer.

Other cashback credit card offers

low rate credit card

Get up to $300 cashback with a new Low Rate credit card

offer

Enjoy 5% cashback on purchases, up to $100 per month, for the first three months with a new Low Rate credit card. Apply by 31 October 2019.3

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Apply now

business low rate card

Get up to $300 cashback with a new Business Low Rate credit card

offer

Enjoy 5% cashback on purchases, up to $100 per month, for the first three months with a new Business Low Rate credit card. Apply by 31 October 2019.3

Find out more about this card

Apply now

100,000 Bonus Awards Points offer

Earn 100,000 Bonus Points when you apply for a new CommBank Platinum Awards credit card by 31 October 2019 and spend $4,000 on eligible purchases with your new card by 31 January 2020.4

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Bonus Awards Points offer

Looking for a business credit card?

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Things you should know

Promotion applies to all new Low Rate Gold credit cards, applied for between 02/09/2019 and 31/10/2019. The 10% cashback is based on eligible purchases made on your card in the first three months from activation up to the value of $100 per month (excludes balance transfers, cash advances and any purchase that is reversed or refunded) each month is calculated as a 30 day period.

Offer excludes all existing cards, card migrations and is not available to customers who currently hold, or have held, any Low Rate cards types in the 12 months prior. Offer only available on one credit card per customer. Cashback will appear on your statement as ‘cashback’ each month within 90 days of you meeting the monthly eligibility criteria. You will be ineligible for the cashback if your account is closed or switched to another card, or in default at any time prior to the cashback being credited to your account.

International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. More information can be found here.

Promotion applies to all new Low Rate Retail and Business credit cards, applied for between 02/09/2019 and 31/10/2019. The 5% cashback is based on eligible purchases made on your card in the first three months from activation up to the value of $100 per month (excludes balance transfers, cash advances and any purchase that is reversed or refunded) each month is calculated as a 30 day period.

Offer excludes all existing cards, card migrations and is not available to customers who currently hold, or have held, any Low Rate cards types in the 12 months prior. Offer only available on one credit card per customer. Cashback will appear on your statement as ‘cashback’ each month within 90 days of you meeting the monthly eligibility criteria. You will be ineligible for the cashback if your account is closed or switched to another card, or in default at any time prior to the cashback being credited to your account.

This offer has been extended. Offer applies to new Retail and Business Awards Credit Cards applied for between 01/05/2019 and 31/10/2019 (previous end date 31/07/2019). 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 31/01/2020 (previous end date 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 here.

Applications 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, Australian credit licence 234945.