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Credit cards LOW RATE CARDS LOW FEE CARDS AWARDS CARDS Add Card
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Summary

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

gold awards credit card

Summary

platinum awards credit card

Summary

diamond awards credit card

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 our lowest interest rate on purchases, topped off with international travel insurance10.

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 insurance10.

Interest rate on purchases: 19.74% p.a.

Annual fee: $89 or $0 for eligible customers2

Want to be rewarded when you spend?3 Our Awards credit card gives you access to the largest rewards program of any bank in Australia4.

Interest rate on purchases: 20.24% p.a.

Annual fee: $59

Earn up to 2 Awards points5 for every dollar spent to redeem on rewards, with the added benefit of international travel insurance10.

Interest rate on purchases: 20.24% p.a.

Annual fee: $119

Earn up to 2.5 Awards points6 for every dollar spent, with added perks including international travel insurance10 and a personal concierge service.7

Interest rate on purchases: 20.24% p.a.

Annual fee: $249

A world of benefits. Our premium Awards credit card where you earn up to 3 Awards points8 for every dollar spent to redeem for anything9, with added international travel insurance10 and exclusive offers.


Interest rate on purchases: 20.24% p.a.

Annual fee: $349


Limited time offer:

Apply for a new Low Rate or Low Rate Gold credit card by 30 June 2017 and spend $500 by 31 August 2017 to receive $250 cashback.*

Find out more

Limited time offer:

Apply for a new Low Rate or Low Rate Gold credit card by 30 June 2017 and spend $500 by 31 August 2017 to receive $250 cashback.*

Find out more

Insurance11

Insurance11

Insurance11

Insurance11

Insurance11

Insurance11

Insurance11

Insurance11

Insurance11

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

Rates12

Rates12

Rates12

Rates12

Rates12

Rates12

Rates12

Rates12

Rates12

Purchase interest rate

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.

Purchase interest rate

20.24% p.a.

Interest free period

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Interest free period

up to 55 days

Balance transfer rate for the first 5 months

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.

Balance transfer rate for the first 5 months

5.99% p.a.

Cash advance rate

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.

Cash advance rate

21.24% p.a.

Minimum credit limit

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

$4,000

Minimum credit limit

$6,000

Minimum credit limit

$15,000

Fees12

Fees12

Fees12

Fees12

Fees12

Fees12

Fees12

Fees12

Fees12

Annual fee

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

$119

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

$10 p.a.

Additional cardholder fee

$10 p.a.

Additional cardholder fee

$10 p.a.

Additional cardholder fee

$10 p.a.

Awards13

Awards13

Awards13

Awards13

Awards13

Awards13

Awards13

Awards13

Awards13

Awards points

Awards points

Awards points

Awards points

Awards points

Awards points

Up to 1.5 per dollar spent.3

Awards points

Up to 2 per dollar spent.5

Awards points

Up to 2.5 per dollar spent.6

Awards points

Up to 3 per dollar spent.8

Points capping

Points capping

Points capping

Points capping

Points capping

Points capping

Up to 50,000 p.a.

Points capping

Up to 125,000 p.a.20

Points capping

Up to 250,000 p.a.21

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

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

Your Concierge service

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

American Express® Airport Lounge Access

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

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Things you should know

* Offer applies to new personal Low Rate, Low Rate Gold and Interest Free Days Business Credit Cards (personal liability) applied for between 1 May 2017 and 30 June 2017 only. To be eligible for the $250 cashback, you need to spend $500 on eligible purchases using your new card by 31 August 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 card types in the 12 months prior to 1 May 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 ‘$250 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. 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.

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. From 1/7/17, you'll earn maximum points per $1 spent when you use your American Express card for eligible transactions overseas and at supermarkets, department stores and petrol stations in Australia; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the CommBank Awards Program Terms and Conditions for more information.
  4. Source: Roy Morgan Research September 2014. Based on number of customers with rewards or loyalty cards.
  5. Points are earned on eligible transactions and are subject to points capping. From 1/7/17, you'll earn maximum points per $1 spent when you use your American Express card for eligible transactions overseas and at supermarkets, department stores and petrol stations in Australia; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the CommBank Awards Program Terms and Conditions for more information.
  6. Points are earned on eligible transactions and are subject to points capping. From 1/7/17, you'll earn maximum points per $1 spent when you use your American Express card for eligible transactions overseas and at supermarkets, department stores and petrol stations in Australia; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the CommBank Awards Program Terms and Conditions for more information.
  7. For full terms and conditions refer to Your Concierge service Terms and Conditions. Fees and charges may apply.
  8. Points are earned on eligible transactions and are subject to points capping. From 1/7/17, you'll earn maximum points per $1 spent when you use your American Express card for eligible transactions overseas and at supermarkets, department stores and petrol stations in Australia; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the CommBank Awards Program Terms and Conditions for more information.
  9. For full terms and conditions of Redeem for Anything Service refer to Your Concierge service Terms and Conditions . Fees and charges may apply.
  10. 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.
  11. Refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full details.
  12. 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.
  13. 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.
  14. Sub-limits apply. Please refer to the Commonwealth Awards program Terms and Conditions for full details.
  15. Myer: Pay with CommBank Awards points is available in-store at Myer only. Ask a Myer team member in-store to check the redeemable value of your points. Points cannot be redeemed for cash. A minimum redemption and a maximum of 1 million points redemption applies per day. If you wish to return an item purchased with Awards points, the Awards points cannot be returned to you. A Myer Returns card of the same value as the returned item will be provided to you. Myer, in its sole discretion, may refuse the use of Awards points, for any reason, including without limitation, in cases of communication network failure, tampering, unauthorised intervention, fraud (actual or suspected), technical failure or any cause beyond the control of Myer. Awards points cannot be used at Myer towards payment of Myer Store or Myer Visa Card accounts, lay-by accounts; purchase of ‘Coles Group and Myer’ Gift Cards; purchases at some food and service outlets; and Miele appliances. Flight Centre: A minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability. The redemption of Awards points for travel at Flight Centre Limited is subject to the terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group Limited ABN 25 003 377 188 trading as Flight Centre, Escape Travel, Student Flights, Travel Associates & Cruiseabout. ATAS – Travel Accredited No. A10412. Travel Agent Licence Numbers: WA 9TA 589.
  16. Diamond Award credit card holders are entitled to two entries into The American Express Lounge at Sydney International Airport per calendar year (1st January to 31st December) for each American Express Card account.
  17. To access the lock, block and limit features on the CommBank app, you need to have Android 2.3+ operating system and above or iOS 5.0+ operating system. Not available on Windows Phones. Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply.
  18. Provided you have complied with the CommBank Credit Card Conditions of Use and immediately notify us of the loss, theft or misuse of your card, PIN or password and of any suspicious activity on your account.
  19. Source: The Nilson Report 2014, issue 1036.
  20. From July 1 2017, the maximum number of points you can earn a year will change from 125,000 to 75,000 points per year, irrespective of whether you use American Express or Mastercard/Visa.
  21. From July 1 2017, the maximum number of points you can earn a year will change from 250,000 to 150,000 points per year, irrespective of whether you use American Express or Mastercard/Visa.

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