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LOW RATE GOLD CREDIT CARD

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.

Rates and fees

$89 annual fee
13.24% 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.

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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?

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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.

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

CommBank Credit Card Conditions of Use

1 Subscription to this service may be limited
2
Refer to Travel Money Card Conditions of Use and Product Disclosure Statement for more information
3
Excludes some manual transactions and some contactless payments
4
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.
5
Charge applies to cash advances at Commonwealth Bank branches.
6
Charge applies to cash advances through a terminal of any financial institution in Australia, at ASB Bank in New Zealand, Commonwealth Bank in Indonesia and Commonwealth Bank in Vietnam.
7
Charge applies to cash advances by way of funds transfer through NetBank, PhoneBank Transfer, Commonwealth Bank Customer Service Centre, Australia Post, 13 2221 Transfer Cash, NetBank Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan.
8
Fee applies to cash advance transactions made at other financial institutions within Australia.
9
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).
10
Charge applies to purchases of cash equivalent items or cash substitutes including gambling transactions or traveller’s cheques.
11
Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply.

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.

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.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. PayPass and Tap & Go are trademarks of Mastercard International Incorporated.