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CREDIT CARDS

Choose from our range of nine Low Rate, Low Fee and Awards cards.

Low Rate credit cards

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

Low Rate credit card

Looking for lower interest on purchases? Our Low Rate credit card makes it easier to pay off purchases over time.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Low Rate Gold credit card

Stay in control of your finances with our lowest interest rate, plus handy extras like international travel insurance.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Low Fee credit cards

Enjoy $0 annual fee for the first year and each year you spend $1,000 or more (Low Fee and Student) or $10,000 or more (Low Fee Gold) in the previous year.**

Low Fee credit card

Enjoy the flexibility and convenience of a card with our lowest annual fee and plenty of extras.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Student credit card

Enjoy up to 55 days interest free on purchases and pay no annual fee in the first year.**

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Low Fee Gold credit card

Enjoy the flexibility and convenience of a card with a low annual fee and complimentary insurances.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Awards credit cards

Earn points^ quickly when you use your CommBank Awards credit card for daily spending.

Awards credit card

The freedom to redeem your points for almost anything, from the largest rewards credit card program of any Bank in Australia.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Platinum awards credit card

Earn up to 2.5 Awards points for every dollar you spend and enjoy a host of other benefits from the CommBank Awards Program.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Gold awards credit card

Earn up to 2 Awards points for every dollar you spend, plus other benefits like international travel insurance.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Diamond awards credit card

The freedom to redeem your points for almost anything, from the largest rewards credit card program of any Bank in Australia.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Business credit cards

Manage your business cash flow and 
get rewarded for your spend.

Business credit cards

Our Business credit cards are an ideal cash flow tool for your business with options such as rewards, no annual fee and a competitive interest rate find the right card for your business using our credit card selector tool.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Learn about credit cards

You may have experienced getting a credit card on an impulse, and faced the traps and pitfalls that come with too much spending. Here are the best ways to avoid any problems.

Learn more

Learning more about credit cards and interest can help you manage your card effectively. Try these tips to make the most of your interest-free period on purchases.

Learn more

A small spending habit can make a big difference to your disposable income, so it can be worth taking a look at how and when you spend.

Learn more

Some simple, practical suggestions to help protect you and your card.

Learn more

Things you should know

Offer applies to new personal Low Rate, Low Rate Gold and Business Low Rate Credit Cards applied for online, between 1 July 2017 and 31 August 2017 only. To be eligible for the $200 cashback, you need to spend $750 on eligible purchases using your new card by 31 October 2017 (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 above cards types in the 12 months prior to 1 July 2017. 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. Cash back will be credited within 60 days of you meeting the spend criteria and will appear on your statement as ‘$200 cash back’. You will be ineligible for the cash back if your account is closed, switched to another card, or in default at any time prior to the cash back 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.

** We'll waive your annual fee for the first year. You’ll continue to pay no annual fee in subsequent years as long as you spend at least $1,000 (Low Fee or Student) or at least $10,000 (Low Fee Gold) in the previous year (on purchases and cash advances only). If you spend less than $1,000 in the previous year and you are a Student, simply present your Student identification in branch following charging of the annual fee to request a refund.

^ Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers). Membership of CommBank Awards is subject to the Terms and Conditions of the Commonwealth Awards Program.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.

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