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Credit cards / Low Fee Gold credit card

At a glance

What you'll get

  • $0 annual fee in the first year and subsequent years when you spend $10,0001
  • 19.74% p.a. purchase interest rate
  • Up to 55 days interest-free on purchases
  • Minimum credit limit of $4,000
  • Pay no international transaction fees for purchases you make overseas or online
  • Included international travel insurance, simply activate before you travel2
  • Up to 1 year extended warranty on most purchases2
  • Purchase security insurance available for most lost, stolen or damaged purchases2
  • Priceless® Cities offers and experiences

 

Trade-offs

Control & security for your card

Lock, Block, Limit

Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.

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Stay in control of your spending

Security protection

  • 24-hour fraud protection that detects abnormal transaction spending habits
  • Free protection against fraud and other unauthorised transactions with Mastercard® Zero Liability
  • 24/7 emergency overseas assistance if you lose your card with Mastercard Global Service™

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Mobile payments and wearables

Secure, cashless payments are possible using your compatible phone or wearable. And now you can make fast and secure payments with Apple Pay.

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Cyclist

Rates & fees

Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.

Type
Rates & fees
Conditions
Additional cardholder fee
$0
   
Annual fee
$89
No annual fee in the first year. We’ll waive an annual fee in subsequent years if you spend $10,000 or more a year on purchases or cash advances in the previous year.  
Balance transfer rate
5.99% p.a.
Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across, cash advance rate thereafter. Conditions apply.
Cash advance interest rate
21.24% p.a.
Cash advances may be unavailable or subject to a limit restriction.  
Cash advance fee
$3.00 or 3.00% of the transaction amount – whichever is greater3
This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.3  
Interest free period on purchases
Up to 55 days
   
International transaction fee
$0
Pay no international transaction fees on purchases or cash advances you make overseas or in Australia (for example online) where the merchant or financial institution or entity processing the transaction is located overseas. For international cash advances, the cash advance fee will apply.
Late payment fee
$20
The amount charged if you don't pay the minimum amount, plus any overdue amount, by your statement due date.
Minimum credit limit
$4,000
     
Purchase interest rate
19.74% p.a.
   

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Managing your payments

 

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What you need to know about credit card travel insurance

Tips for travelling overseas with your credit card

Your credit card can be a lifeline while you're abroad, so make sure you take full advantage of what it has to offer.

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Keeping your credit card secure

Enjoy the convenience of shopping with a CommBank credit card or debit card with the peace of mind that your card and money are secure and safe.

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Things you should know

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply. Please view our Credit Card Conditions of Use. 

1 We'll waive your annual fee for the first year, and then continue to waive your annual fee each subsequent year as long as you spend at least $10,000 in the previous year (on purchases and cash advances only).

2 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. 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 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.

If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.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.

3 A maximum charge of $300 (or a flat fee of $3.00 applies if your closing balance on previous business day was in credit).

Mastercard and Priceless are registered trademarks and the circles design is a registered trademark of Mastercard International Incorporated.