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.



Low Fee 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 $1,000 or more in the previous year*
$29 annual fee if the above conditions are not met
19.74% p.a. purchase interest rate
21.24% p.a. cash advance interest rate

About the Low Fee credit card

Features and benefits

  • Up to 55 days interest free on purchases
  • Minimum credit limit $500
  • 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
  • Transactions updated instantly, so you’ll know exactly where you stand1
  • Free additional credit card. Apply now
  • A faster way to pay for purchases in-store with MasterCard® contactless payments. Just Tap & GoTM 2
  • 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 3
  • 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.4

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.5 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 $1,000 in the previous year (on purchases and cash advances only). $29 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.6

Related products

Low Fee Gold credit card

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

Learn more

Student credit card

Enjoy no annual fees and up to 55 days interest free on purchases when you study full time.

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 $1,000 in the previous year (on purchases and cash advances only).

1 Excludes some manual transactions and some contactless payments.
For in-store payments under $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