Low fee credit cards

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

  • $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

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  • $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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Low rate credit cards

With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off your balance over time.

  • 13.24% p.a purchase interest rate
  • $59 annual fee
  • Minimum credit limit of $500

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Things you should know

^ Offer available on new Low Fee, Low Fee Gold, Low Rate, Low Rate Gold and Low Rate Business (personal liability) credit cards applied for between 29/10/2020 and 25/02/2021. Offer not available on the CommBank Essentials credit card, all other card types, existing cards, and switches from other card types, and will be forfeited if you switch to a different credit card type during the 15 month period. The 0% p.a. interest rate on purchases (but not balance transfers and cash advances) is valid for 15 months from the date of card approval. At the end of the 15 month period, the interest rate will convert to the standard variable purchase interest rate for your card type at that time. We reserve the right to close the offer prior to 25/02/2021.

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

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 transaction) minus any refunds.

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

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.