At a glance

What you'll get

  • 13.24% p.a. purchase interest rate
  • Up to 55 days interest free on purchases
  • $89 annual fee
  • Minimum credit limit of $4,000
  • Included international travel insurance, simply activate before you travel1
  • Up to 1 year extended warranty on most purchases1
  • Purchase security insurance available for most lost, stolen or damaged purchases1
  • Priceless® Cities offers and experiences

Trade-offs

  • You won’t earn Awards points
  • Higher annual fee compared to some of our other credit cards
  • Higher interest rates compared to our CommBank Essentials credit card
  • 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.

Show me how

Stay in control of your spending

Security protection

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
   
Annual fee
$89
   
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
$4,000
   
Purchase interest rate
13.24% p.a.
   

Looking for something else?

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

* Offer applies to new personal Low Rate and Low Rate Gold / Low Rate Business Credit Cards (personal liability) applied for online, in-branch and over the phone between 15 August 2018 and 28 October 2018 only. To be eligible for the $200 cashback, you need to spend $500 on eligible purchases using your new card within the first 90 days of card activation (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 of the eligible card types in the 12 months prior to 15 August 2018. Offer only available on one credit card per customer, can be withdrawn at any time, and cannot be used in conjunction with any other offer. Cashback will be credited within 60 days of you meeting the eligibility criteria and will appear on your statement as ‘CASHBACK $200’. 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.

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

1 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 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. Please refer to the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet here.

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.