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Offer exclusions

  • Any customers who switch from an existing CommBank credit card
  • Customers who currently hold an Awards card type as a primary cardholder
  • Customers who have held an Awards card type, as a primary cardholder, in the last 24 months

  • Any customers who switch from an existing CommBank credit card
  • Customers who currently hold a Low Fee or Low Rate card as a primary cardholder
  • Customers who have held a Low Fee or Low Rate card, as a primary cardholder, in the last 24 months

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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 are payable.

    1 For Low Fee credit cards, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

    2 For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

    For Ultimate Awards credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

    3 From 10 December 2024, interest rates offered on approval vary from 10.99% p.a. to 15.99% p.a. The rate offered to you (your personalised interest rate) within this range depends on different factors, including your individual credit risk score.

    Once your credit contract is entered into, your personalised interest rate will be reviewed periodically and may change upon review. We may also vary the range of rates available for new Low Rate credit cards at any time. We’ll notify you as outlined in the conditions of use if your personalised interest rate changes.  

    All customers with an existing CommBank Low Rate credit card, and customers who switch from an existing CommBank credit card to a Low Rate credit card will be offered or will retain an interest rate of 13.99% p.a. This rate may be varied at any time during the term of the credit contract.

    Please refer to the Low Rate credit card FAQs for more information.

    Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.