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Credit cards / Low Fee credit cards

At a glance

What you'll get

  • $0 annual fee in the first year and subsequent years when you spend $1,0001
  • 19.74% p.a. purchase interest rate
  • Up to 55 days interest free on purchases
  • Minimum credit limit of $500
  • Priceless® Cities offers and experiences

Trade-offs

  • You won’t earn Awards points
  • International travel insurance isn’t included
  • Higher purchase interest rates compared to our Low Rate credit cards
  • International transaction fees apply

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 & wearables

Secure, cashless payments are now possible using your compatible phone or wearables.
 
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 p.a.
   
Annual fee
$29
No annual fee in the first year. We’ll waive an annual fee in subsequent years if you spend $1,000 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 advance fee
$2.50 or 2.00% of the transaction amount – whichever is greater2
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.2  
Interest free period on purchases
Up to 55 days
   
International transaction fee
3.00%
When you make a transaction in a foreign currency or make a transaction in Australian dollars:
  • While overseas; or
  • In Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas.
For cash advances, the cash advance fee will also 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
$500
   
Purchase interest rate
19.74% p.a.
   

Support

Getting started

Managing your card

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Managing your payments

 

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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 $1,000 in the previous year (on purchases and cash advances only).

2 A maximum charge of $150 (or a flat fee of $2.50 applies if your closing balance on previous business day was in credit). 

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