Our most popular credit card
  • 13.24% p.a purchase interest rate
  • $59 annual fee
  • Minimum credit limit of $500

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Get up to $300 cashback.

Enjoy 5% cashback on eligible purchases, up to $100 per month, for the first three months with a new Low Rate credit card. Apply by 30 April 2020.*

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Low Rate Gold credit card

Includes handy extras like international travel insurance1

13.24% p.a. purchase interest rate

$89 annual fee

Minimum credit limit of $4,000

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0% p.a. on purchases for 15 months. Apply by 30 June 2020.~

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Our lowest rate on purchases

9.90% p.a. purchase interest rate

$2 monthly fee when you choose online statements and set up automatic repayments from a CommBank transaction account using AutoPay. Otherwise monthly fee is $52

Credit limit from $400 to a maximum of $3000 

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Need help finding the right card for you?

Things you should know

* Promotion applies to all new Retail and Business Low Rate credit cards, applied and submitted between 01/11/2019 and 30/04/2020. The 5% cashback is based on eligible purchases made on your card in the first three months from activation up to the value of $100 per month (excludes balance transfers, cash advances and any purchase that is reversed or refunded). Each month is calculated as a 30 day period.

Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any Low Rate card types in the 12 months prior. Offer only available on one credit card per customer, offer can be withdrawn at any time. Cashback will appear on your statement as ‘cashback’ each month within 90 days of you meeting the monthly eligibility criteria. You will be ineligible for the cashback if your account is closed, transferred, or in default at any time prior to the cashback being credited to your account.

This offer has been extended. Offer available on new Low Fee Gold and Low Rate Gold credit cards when you create an application between 01/11/2019 and 30/06/2020 only (previous end date 29/02/2019). Excludes all other card types. The 0% p.a. promotional interest rate on purchases is valid for 15 months from the date of card approval (excludes balance transfers and cash advances). At the end of the 15 month period, the interest rate will revert to the standard variable purchase interest rate for your card at that time. Offer excludes all existing cards, switches from other card types and will not be applied if you switch to a new product during the promotional period, offer can be withdrawn at any time.

1 Travel insurance included on your credit card provides cover for you, your spouse and your accompanied 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 a comprehensive level of cover. To activate your cover, register on Netbank, the CommBank app or call Cover-More on 1300 467 951 before you travel.

If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia.

If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium – ask us for more details before we provide you with any services on this product.including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

2 The annual fee is charged at $5 per month or $2 per month if you:

  • Set up automated monthly repayments through our credit card AutoPay from a CommBank transaction account and
  • Opt in to receive online statements on your CommBank Essentials account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address)

Applications for credit cards are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

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.