Low fee credit cards

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

Trade-offs

  • You won’t earn Awards points
  • International travel insurance isn’t included on Low Fee credit card
  • Higher interest rates on purchases compared to our Low Rate credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • International transaction fees apply

  • $0 annual fee in the first year and subsequent years when you spend $10,0001
  • 19.74% p.a. purchase interest rate
  • Minimum credit limit of $4,000
  • Pay no international transaction fees for purchases you make overseas or online
  • Handy extras like international travel insurance2

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OFFER

$300 cashback to spend how you want

Apply for a New Fee Gold credit card by 31 October 2022 and spend $1,500 on purchases within 90 days of card activation.*

Apply now

  • $0 annual fee in the first year and subsequent years when you spend $1,0001
  • 19.74% p.a. purchase interest rate
  • Minimum credit limit of $500

Tell me more

OFFER

$200 cashback to spend how you want

Apply for a new Low fee credit card by 31 October 2022 and spend $1,000 on purchases within 90 days of card activation.#

Apply now

Looking for a business credit card?

Take a look at your options

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Things you should know

  • * This offer has been extended. Offer available on new Low Fee Gold credit cards applied for between 01/03/2022 and 31/10/2022 (previous end date 30/06/2022). Offer not available on all other card types (including Low Fee), existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior.

    To be eligible for the $300 cashback on a new Low Fee Gold card, you need to spend at least $1,500 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $300’.

    Cashback only available on one credit card per customer. 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. We reserve the right to close the offer prior to 31/10/2022.

    This offer has been extended. Offer available on new Low Fee credit cards applied for between 01/03/2022 and 31/10/2022 (previous end date 30/06/2022). Offer not available on all other card types (including Low Fee Gold), existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior.

    To be eligible for the $200 cashback on a new Low Fee card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $200’.

    Cashback only available on one credit card per customer. 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. We reserve the right to close the offer prior to 31/10/2022.

    1 The annual fee is waived in the first year and every subsequent year if you spend at least $1,000 (Low Fee) or $10,000 (Low Fee Gold) in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds.

    2 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.

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

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