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

Related products

Low Fee Gold credit card

The flexibility and convenience of a credit card with no annual fee in the first year and included insurances.

Learn more

Low Rate credit card

With an interest rate of 13.24% p.a., the Low Rate card is our most popular credit card.

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.

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