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Apply Now: Up to $200 Cash Back with all new CommBank credit cards°.

Enjoy the flexibility and convenience of a card with a low annual fee and complimentary insurances.

Rates and fees

$90 annual fee
$0 annual fee for eligible customers*
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

How to apply

Apply online and get a response in 60 seconds.

About the Low Fee Gold credit card

Features and benefits

  • Up to 55 days interest free on purchases
  • Minimum credit limit of $4,000
  • Complimentary international travel insurance (Eligibility and Coverage)
  • MasterCard® PayPass™ for a faster way to pay for purchases under $100. Just Tap & Go™
  • Present your card when purchasing a Travel Money Card and pay no issue fee1  
  • 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 instantly2 – so you’ll always know where you stand
  • Transaction location mapping – track purchase locations

  • Annual fee is currently $90 or $0 if you hold a qualifying* CommBank account or loan when you apply. 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 $10,000 in the previous year (on purchases and cash advances only)
  • Free additional card. Apply now
  • Stay in control with alerts and payment reminders3
  • Optional CreditCard Plus insurance
  • MasterCard is accepted at over 35 million locations worldwide, in over two million ATMs, in more than 210 countries
  • 24/7 emergency assistance overseas if you lose your card with Global Service
  • Access to a unique collection of entertainment experiences and offers exclusively for MasterCard cardholders through Priceless Sydney and MasterCard Privileges


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

Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across, cash advance rate thereafter.4

Annual fee

Currently $90, or $0 if you hold a qualifying CommBank account or loan when you apply. We’ll 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).

Additional cardholder fee


Cash advances

  • Commonwealth Bank Over the Counter5: $2.50 or 1.75% p.a. (whichever is greater).9
  • ATM6: 1.75% p.a. of the cash advance amount.9
  • Any other Commonwealth Bank network7: 1.75% p.a. of the cash advance amount.9
  • Non-Commonwealth Bank Over the Counter5: $3.00 or 1.75% p.a. of the cash advance amount (whichever is greater).9
  • Overseas terminal or bank: $4.00 or 1.75% p.a. of the cash advance amount (whichever is greater).9
  • Cash equivalent items or cash substitutes: 1.75% p.a. of the cash advance amount.9, 10

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 complimentary travel insurance.

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

How can we help you?

Important information

*Please view eligibility for preferential pricing

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

2 Excludes manual transactions and some contactless payments

3 Subscription to this service may be limited.

4 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.

5 Charge applies to cash advances at Commonwealth Bank branches.

6 Charge applies to cash advances through a terminal of any financial institution in Australia, at ASB Bank in New Zealand, Commonwealth Bank in Indonesia and Commonwealth Bank in Vietnam.

7 Charge applies to cash advances by way of funds transfer through NetBank, PhoneBank Transfer, Commonwealth Bank Customer Service Centre, Australia Post, 13 2221 Transfer Cash, NetBank Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan.

8 Fee applies to cash advance transactions made at other financial institutions within Australia.

9 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).

10 Charge applies to purchases of cash equivalent items or cash substitutes including gambling transactions or traveller’s cheques.

° Offer only applies to new personal credit card applications applied for online during the campaign period. Offer is available for a limited time and can be withdrawn at any time at the discretion of the Bank. Excludes Corporate credit cards, Business credit cards and existing credit card accounts. Cannot be used in conjunction with any other offer. To be eligible for cashback, you need to apply online during the campaign period and spend a minimum $100 of eligible purchases on your new CBA credit card at participating partner merchant locations by 31st May 2014. Cashback will be provided in the form of a $50 giftcard for redemption at each partner merchant where eligible purchases have been made.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass and Tap & Go are trademarks 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.