Credit card options

  • $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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Offer

0% p.a. on purchases for 15 months. Apply by 29 February 2020~

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Things you should know

~ Available on new Low Fee Gold and Low Rate Gold credit cards when you create an application between 01/11/2019 and 29/02/2020 only. Excludes and all other card types. The 0% p.a. promotional interest rate on purchases is valid for 15 months from the date of card approval (and excludes balance transfers). At the end of the 15 month period, the interest rate will revert to the standard variable purchase interest rate for your card at that time. Offer excludes all existing cards, switches from other card types and will not be applied if you switch to a new product during the promotional period, offer can be withdrawn at any time. 

1 We'll waive your annual fee for the first year, then continue to waive your annual fee each subsequent year as long as you spend at least $1,000 in the previous year on your Low Fee card, or at least $10,000 on your Low Fee Gold credit card (on purchases and cash advances only).

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 and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

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

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Please view our Credit Card Conditions of Use.