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LOW FEE GOLD CREDIT CARD

Low fee gold credit card


$0 annual fee for the first year and up to 55 days interest free on purchases. Plus $0 annual fee each following year provided you meet certain spend requirements.**

Rates and fees

$0 annual fee for the first year and each year you spend $10,000 or more in the previous year**
$89 annual fee if the above conditions are not met
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

How to apply

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Things you should know

** We’ll waive your annual fee for the first year, and then continue to waive your annual fee each subsequent year as long as you spend at least $10,000 in the previous year (on purchases and cash advances only).

If you activate an international travel insurance policy included with an eligible credit card, purchase a CBA Travel Insurance Policy 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, purchase a CBA Travel Insurance Policy 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 included with eligible credit cards 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 (for international travel insurance policy included with an eligible credit card) or persons aged 74 years or over (for CBA Travel Insurance)), 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.

Before making a decision on CBA Travel Insurance, refer to the relevant CBA Travel Insurance Product Disclosure Statement for full conditions here (if you intend to purchase before 1 October 2018) and here (if you intend to purchase on or after 1 October 2018). We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a policy, we (CBA) receive a commission which is a percentage of your premium.

Refer to the Travel Money Card Product Disclosure Statement and Conditions of Use for more information.
Excludes some manual transactions and some contactless payments.
3
For in-store purchases up to $100.
As long as 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 the account.
Excludes transactions flagged as recurring (e.g. direct debits), not sent to us for authorisation, or made via Tap & Pay set up on an Android device. Other conditions apply.
At the end of the balance transfer period, the interest rate on any outstanding transferred balances converts to the cash advance rate current at that time. Other fees and charges may be payable.
A maximum charge of $150.00 (or a flat fee of $2.50 applies if your closing balance on previous business day was in credit)Note: For cash advances and balance enquiries made through a non-Commonwealth Bank ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the cash advance amount) if applicable. You should check the ATM owner’s fees that apply carefully before completing.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. Tap & Go is a trademark of Mastercard International Incorporated.

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.