Help us improve our website by completing a quick survey. Start survey now

You’ll need to update your browser so you can continue to log on to your online banking from 28th February. Update now.

Close

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

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

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

The Promotion commences at 12:00am (AEST) on 1 September 2017 and closes at 11:59pm (AEDT) on 31 October 2017. To enter, you must apply for a CommBank personal/consumer or personal liability business card credit card by 31 October 2017 activate your new card by 15 November 2017. There will be sixty one (61) prizes. Each prize is a Flight Centre gift card valued at $5,000 AUD each. Each winner will be bound by the Flight Centre Travel Group Gift Card Terms of Use which can be found at www.flightcentre.com.au/giftcards. The draw will be conducted at 4pm (Sydney time) at Level 2, Commonwealth Bank Place – South Building, 11 Harbour Street, Sydney NSW 2000 on 23 November 2017. Winners will be published in The Australian on 4 December 2017. The Promoter is Commonwealth Bank of Australia ABN 48 123 123 124 of Commonwealth Bank Place – Level 2, South Building, 11 Harbour Street, Sydney NSW 2000. Authorised under NSW Permit No: LTPS/17/16181, ACT Permit No: TP17/01398 and SA Permit No: T17/1323. For full terms and conditions click here.

** 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 commbank.com.au/creditcardinsurance or any branch for full details. Insurance is issued and managed by AWP 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. 

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.

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).

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.