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Apply online for a Low Rate credit card

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What you get with this credit card

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Great rewards

Low fee

Low rate


Submit your application online and receive a response in 60 seconds

  • A Low Rate credit card gives you more for less with a low rate on purchases
  • Up to 55 days interest free on purchases
  • Flexibility to carry a balance on your card with a competitive low rate


Get started

Which type of customer are you?

Apply online and save yourself a trip to the branch

  • NetBank is the fastest way to apply; most of your details are already filled in for you
  • It takes about 10 minutes
  • We’ll send updates to your NetBank inbox as your application progresses

 Apply in NetBank



What do I need to apply?

  • You'll need to be over 18 years old
  • Meet our credit requirements
  • Be an Australian citizen, permanent resident or have a current Australian visitor's visa
  • Have your income, expense, asset & employment details handy






You can skip online NetBank registration 

  • The application takes about 15-20 minutes, but you won’t get instant NetBank access
  • You’ll need income, expense, asset and employment details
  • You’ll need to complete an ID check later in branch or by post
  • Click here to apply


Apply online and save yourself a trip to the branch

  • The secure Electronic ID Check verifies your identity online
  • It takes about 15 minutes
  • You must be over 18 years old
  • You’ll need income, expense, asset and employment details
  • You’ll get access to NetBank, Australia’s #1 online bank

Apply now


Electronic ID check documents

Important Information: 

Interest rates and fees apply and are subject to change. Applications for finance are subject to the Bank's normal credit approval. Full conditions of use will be included in our Letter of Offer. Fees and charges are payable.
MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.
Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.