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Summary

Summary

lowest rate credit card

Summary

low rate credit card

Summary

low rate gold credit card

Summary

low fee credit card

Summary

low fee gold credit card

Summary

awards credit card

Summary

platinum awards credit card

Summary

diamond awards credit card

Everyday convenience at our lowest rate on purchases.

Interest rate on purchases: 9.90% p.a.

Monthly fee: $2 when you choose online statements and set up automatic payments from a CommBank transaction account using AutoPay. Otherwise monthly fee is $512

9.90
9.90
9.90
9.90

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

Interest rate on purchases: 13.24% p.a.

Annual fee: $59

All the benefits of our Low Rate credit card, including a low interest rate on purchases, topped off with international travel insurance6.

Interest rate on purchases: 13.24% p.a.

Annual fee: $89

Don't want to pay an annual fee? Our Low Fee credit card has no annual fee for the first year, with any following annual fees waived for eligible customers.1

Interest rate on purchases: 19.74% p.a.

Annual fee: $29 or $0 for eligible customers1

All the benefits of the CommBank Low Fee credit card with the added benefit of international travel insurance6.

Interest rate on purchases: 19.74% p.a.

Annual fee: $89 or $0 for eligible customers2

Get rewarded for your everyday expenses and access the largest rewards program of any bank in Australia9.

Interest rate on purchases: 20.24% p.a.

Annual fee: $59

Earn 1 Award point3 for every dollar you spend, with added perks like international travel insurance6.

Interest rate on purchases: 20.24% p.a.

Annual fee: $249

Our premium Awards credit card. Earn 1.25 Awards points3 for every dollar you spend. You’ll also get international travel insurance6.

Interest rate on purchases: 20.24% p.a.

Annual fee: $349

 

Insurance6

Insurance6

Insurance6

Insurance6

Insurance6

Insurance6

Insurance6

Insurance6

Insurance6

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Rates8

Rates8

Rates8

Rates8

Rates8

Rates8

Rates8

Rates8

Rates8

Purchase interest rate

Purchase interest rate

9.90% p.a.

Purchase interest rate

13.24% p.a.

Purchase interest rate

13.24% p.a.

Purchase interest rate

19.74% p.a.

Purchase interest rate

19.74% p.a.

Purchase interest rate

20.24% p.a.

Purchase interest rate

20.24% p.a.

Purchase interest rate

20.24% p.a.

Interest free period on purchases

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Balance transfer rate for the first 5 months

Balance transfer rate for the first 5 months

Balance transfers not available

Balance transfer rate for the first 5 months

5.99% p.a.

Balance transfer rate for the first 5 months

5.99% p.a

Balance transfer rate for the first 5 months

5.99% p.a.

Balance transfer rate for the first 5 months

5.99% p.a.

Balance transfer rate for the first 5 months

5.99% p.a.

Balance transfer rate for the first 5 months

5.99% p.a.

Balance transfer rate for the first 5 months

5.99% p.a.

Cash advance rate

Cash advance rate

9.90% p.a. Cash advances are blocked. Exceptions may apply11

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Cash advance rate

21.24% p.a.

Minimum credit limit

Minimum credit limit

$400

Minimum credit limit

$500

Minimum credit limit

$4,000

Minimum credit limit

$500

Minimum credit limit

$4,000

Minimum credit limit

$500

Minimum credit limit

$6,000

Minimum credit limit

$15,000

Maximum credit limit

Maximum credit limit

$3000

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Fees8

Fees8

Fees8

Fees8

Fees8

Fees8

Fees8

Fees8

Fees8

Annual fee

Annual fee

Up to $60

$2 monthly fee when you choose online statements on your CommBank Essentials account and set up automatic payments (AutoPay) from a CommBank transaction account. Otherwise monthly fee is $512

Annual fee

$59

Annual fee

$89

Annual fee

$29 or $0 if spend requirements met.1

Annual fee

$89 or $0 if spend requirements met.2

Annual fee

$59

Annual fee

$249

Annual fee

$349

Minimum monthly payment

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit, 
  • 2% of the closing balance rounded down to the nearest dollar, or
  •  $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit, 
  • 2% of the closing balance rounded down to the nearest dollar, or
  •  $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • any amount you owe that exceeds your credit limit,
  • 2% of the closing balance rounded down to the nearest dollar, or
  • $25.

Late payment fee

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Additional cardholder fee

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

$10 p.a.

Additional cardholder fee

$10 p.a.

Additional cardholder fee

$10 p.a.

Awards9

Awards9

Awards9

Awards9

Awards9

Awards9

Awards9

Awards9

Awards9

Awards points

Awards points

Awards points

Awards points

Awards points

Awards points

Awards points

1 per dollar spent.3

Awards points

1 per dollar spent.3

Awards points

1.25 per dollar spent.3

Points capping

Points capping

Points capping

Points capping

Points capping

Points capping

Points capping

Up to 50,000 p.a.

Points capping

Up to 150,000 p.a.

Points capping

Up to 1,000,000 p.a.

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Redeem points instantly at Myer and Flight Centre

Security

Security

Security

Security

Security

Security

Security

Security

Security

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

100% money back guarantee

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

or

Already a customer banking online with us?

Save time using your
Netbank details

 

Apply in Netbank

New customer or don't bank online with us?

Apply now

or

Things you should know

CommBank Credit Card Conditions of Use

Commonwealth Awards Program Terms and Conditions

Standard fees and charges for credit card services

1 No annual fee in the first year. We’ll waive the annual fee in subsequent years if you spend $1,000 or more a year on purchases or cash advances in the previous year.

2 No annual fee in the first year. We’ll waive the annual fee in subsequent years if you spend $10,000 or more a year on purchases or cash advances in the previous year.

3 Points are earned on eligible transactions and are subject to points capping. Refer to the CommBank Awards Program Terms and Conditions for more information.

4 Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017.

6 For a set period per trip when you activate your cover. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) limits and excesses may apply. Refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full details.

7 Refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full details.

8 Interest rates and fees apply and are subject to change. Please see Standard fees and charges for credit card services for more details. Applications for finance are subject to the Bank's normal credit approval. Full conditions of use will be included in our Letter of Offer.

9 The earning and redemption of Commonwealth Awards points are subject to the Terms and Conditions of the Commonwealth Awards Program available at commbank.com.au Points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping. Awards and the number of points required for awards are subject to change.

10 Sub-limits apply. Please refer to the Commonwealth Awards program Terms and Conditions for full details.

11 We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will attract interest from the date the transaction is made until it’s repaid. 

12 The annual fee is charged at $5 per month or $2 per month if you:

• Set up automated monthly repayments through our credit card AutoPay from a CommBank transaction account and

• Opt in to receive online statements on your CommBank Essentials account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address)

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