Everyday convenience at our lowest interest rate.
CREDIT CARD SELECTOR
Simple questions to help you find the right credit card.
Low Rate Credit Card
Flexibility to pay off your purchases with a low purchase rate.
Low Rate Gold Credit Card
Stay in control of your finances with a low purchase rate and enjoy included international travel insurance^^.
Low Fee Credit Card
A flexible and convenient card with a low annual fee.
Low Fee Gold Credit Card
Enjoy no annual fee for the first year* plus international travel insurance^^.
Awards Credit Card
Redeem your points with Australia's largest credit card rewards program+.
- Travel insurance isn’t included
- Higher annual fee compared to our Low Fee credit card
- Higher purchase interest rates compared to our Low Rate and Low Fee credit cards
- Lower Awards points per dollar compared to our Diamond Awards credit card
- $10 p.a. additional cardholder fee
Things you should know
The outcome of the Credit Card Selector Tool is intended as a guide only. The products suggested for your consideration do not take into account your personal circumstances, financial situation or needs. You should consider the information provided about each card type to determine if it meets your needs before you apply. The display of products outside of the ‘Suggested’ and ‘Also consider’ options is not an indication of product ranking or suitability based on your responses.
* For Low Fee and Low Fee Gold, the annual fee is waived in the first year. The annual fee will be waived in each subsequent year as long as you spend $1,000 in the previous year on your Low Fee, or at least $10,000 in the previous year on your Low Fee Gold card (on purchases and cash advances only).
+ Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017.
^ Points are earned on eligible transactions and are subject to points capping. Refer to the CommBank Awards Program Terms and Conditions for more information.
^^ To activate your international travel insurance cover, register your travel on NetBank or call our travel insurance provider. If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia.
If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia.
You need to activate your international travel insurance before each trip in order to have comprehensive level of cover. If you don't activate, you'll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.
Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. Please refer to the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet available from commbank.com.au/creditcardinsurance or any branch for full details.
Applications are subject to credit approval. Full terms and conditions are 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.
1 The annual fee is charged monthly at $5/month or $2/month if you:
- Set up automated monthly repayments using 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).
2 Lock, Block, Limit does not apply to transactions that are flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Except for the spending cap, transactions made via Tap & Pay set up on a compatible smartphone or via a PayTag are not blocked. Some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, and assisted cash withdrawals are also excluded. Other conditions apply.
3 We're unable to block cash advance transactions that aren't sent to us for authorisation. These will incur interest at a rate of 9.90% p.a. from the date the transaction is made until it's repaid.