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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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About the Low Fee Gold credit card

Features and benefits

  • Up to 55 days interest free on purchases
  • International travel insurance# included with your card. Issued and managed by Allianz Global Assistance, cover includes unlimited overseas emergency medical assistance, hospital expenses and cancellation cover for you and for your spouse and up to 10 dependent children when travelling with you. You will need to activate before each trip 
  • Minimum credit limit of $4,000
  • Pay no card issue fee when you buy a Travel Money Card1, a safe and simple way to access your money overseas
  • Extended warranty insurance# – most purchases will gain up to one extra year’s warranty on top of the manufacturer’s Australian warranty
  • Purchase security insurance# – we’ll repair or replace most purchases if lost, stolen or damaged within 90 days
  • Transactions updated instantly, so you’ll know exactly where you stand.2

  • $0 annual fee for the first year and each year you spend $10,000 or more in the previous year.*$89 annual fee is these conditions aren’t met
  • Free additional credit card. Apply now
  • A faster way to pay for purchases in-store with MasterCard® contactless payments. Just Tap & Go™ 3
  • Control your security and spending in real-time with Lock, block, limit® in NetBank and the CommBank app
  • Get access to local and international one-of-a-kind experiences, shopping, dining and hotel offers with MasterCard Priceless Cities
  • 24/7 emergency assistance overseas if you lose your card with Global Service
  • Optional CreditCard Plus insurance^ – the option to pay for additional insurance which could pay off 20% of your balance every month if you’re unable to work because of an injury, illness or if you lose your job.


  • Our 100% money back guarantee means you’ll never be liable for fraudulent use of your credit card provided you follow the Credit Cards Conditions of Use.4
  • 24 hour fraud protection detects abnormal transactions or spending patterns
  • Secure internet shopping with NetCode
  • Enhanced security chip protection
  • MasterCard® Zero Liability gives you the peace of mind of free protection against fraud and other unauthorised transactions made with your card
  • Lock, block, limit™ lets you instantly lock your credit card temporarily through the CommBank app or in NetBank. You can also block ATM cash advances, lock international online and in-store payments and set limits on your transactions.5

Rates and fees

Interest rate

19.74% p.a. on purchases
21.24% p.a. on cash advances

Interest-free period

Up to 55 days interest free on purchases.

Balance transfer rate

5.99% p.a. for the first 5 months on balances transferred from another credit card or store card issued in Australia.6 Cash advance rate applies thereafter.

Annual fee

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). $89 annual fee if these conditions aren’t met.

Additional cardholder fee


Cash advances

$2.50 or 2.00% of the transaction amount (whichever is greater).

Applies when you withdraw cash or transfer funds from your credit card. Also applies to cash equivalent transactions, such as gambling transactions, buying lottery tickets and money transfers.7

Related products

Low Fee credit card

Enjoy the flexibility and convenience of a card with our lowest annual fee and plenty of extras.

Learn more

Low Rate Gold credit card

Stay in control of your finances with our lowest interest rate, plus handy extras like international travel insurance included with your card.

Learn more

CreditCard Plus

Insurance for your credit card that can help pay your credit card bill in the event of unforeseen circumstances.

Learn more

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).

#Please refer to our Credit Card Insurances Product Disclosure Statement and Information Booklet available from or any branch for full details. Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (ABN 52 097 227 177 AFSL No. 245631) on behalf of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850 AFSL No. 234708) for Commonwealth Bank of Australia. Included travel insurance cover is available for you, your spouse and your dependent 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 an activated level of cover. To activate your cover, register on NetBank, the CommBank app or call Allianz Global Assistance on 1800 837 177 before you travel. If you don’t activate you’ll receive Base cover which includes personal liability cover and overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. 

1Refer to the Travel Money Card Product Disclosure Statement and Conditions of Use for more information.

2Excludes some manual transactions and some contactless payments.

3 For in-store purchases up to $100.

^CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. A Product Disclosure Statement (PDS) for CreditCard Plus is available online, from any Commonwealth Bank branch or by calling 13 3982 and should be considered in making any decision about CreditCard Plus. You can also download a Financial Services Guide (FSG).

4As 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.

5Excludes 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.

6At 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.

7A 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.