Card options

Low Fee Gold credit card

  • $0 annual fee in the first year and subsequent years when you spend $10,0001
  • Pay no international transaction fees for purchases you make overseas or online
  • Handy extras like international travel insurance, simply activate before you travel2
  • Up to 55 days interest-free on purchases
  • 19.74% p.a. purchase interest rate
  • Minimum credit limit of $4,000

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Offer

0% p.a. on purchases for 15 months. Apply by 29 February 2020^.

Apply now

Low Rate Gold credit card

  • 13.24% p.a. purchase interest rate
  • Handy extras like international travel insurance, simply activate before you travel2
  • Up to 55 days interest free on purchases
  • $0 for an additional cardholder
  • $89 annual fee
  • Minimum credit limit of $4,000

Tell me more

Offer

0% p.a. on purchases for 15 months. Apply by 29 February 2020^.

Apply now

More offers

Get up to $300 cashback

Enjoy 5% cashback on eligible purchases, up to $100 per month, for the first three months with a new Low Rate credit card. Apply by 30 April 2020.*

couple lying down on a beach

Bonus points awards offer

Earn 100,000 Bonus Awards Points when you apply for a new CommBank Platinum Awards credit card by 29 February 2020 and spend $4,000 on eligible purchases within 90 days of activation.~

Things you should know

Offer available on new Low Fee Gold and Low Rate Gold credit cards when you create an application between 01/11/2019 and 29/02/2020 only. Excludes all other card types. The 0% p.a. promotional interest rate on purchases is valid for 15 months from the date of card approval (excludes balance transfers and cash advances). At the end of the 15 month period, the interest rate will revert to the standard variable purchase interest rate for your card at that time. Offer excludes all existing cards, switches from other card types and will not be applied if you switch to a new product during the promotional period, offer can be withdrawn at any time. 

* Promotion applies to all new Retail and Business Low Rate credit cards, applied and submitted between 01/11/2019 and 30/04/2020. The 5% cashback is based on eligible purchases made on your card in the first three months from activation up to the value of $100 per month (excludes balance transfers, cash advances and any purchase that is reversed or refunded). Each month is calculated as a 30 day period.

Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any Low Rate card types in the 12 months prior. Offer only available on one credit card per customer, offer can be withdrawn at any time. Cashback will appear on your statement as ‘cashback’ each month within 90 days of you meeting the monthly eligibility criteria. You will be ineligible for the cashback if your account is closed, transferred, or in default at any time prior to the cashback being credited to your account.

Offer applies to new Retail and Business Standard Awards and Platinum Awards credit cards applied and submitted between 01/11/2019 and 29/02/2020 only. To be eligible for the bonus CommBank Awards points, you need to meet the minimum spend requirements on eligible purchases using your new card within the first 90 days of 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 Awards card types in the 12 months prior. Offer only available on one credit card per customer, offer can be withdrawn at any time. Bonus points will appear on your statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. You will be ineligible for the points if your account is closed, transferred, or in default at any time prior to the points being credited to your account. The earning and redemption of CommBank Award points are subject to the Commonwealth (CommBank) Awards Program Terms and Conditions, available here.

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

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). Otherwise, the annual fee is $89.

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 can be found here