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$0 Annual Fee For The First Year With A Low Fee Credit Card - CommBank

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Low Rate credit card

With a Low Fee card you can enjoy $0 annual fee for the first year and each year you spend $1,000 or more in the previous year1

Rates and fees

19.74% p.a. purchase rate
21.24% p.a. cash advance rate
$29 annual fee waived for the first year<sup>1</sup>
$500 minimum credit limit

Benefits include:

  • up to 55 days interest free on purchases
  • extra security with our award-winning lock, block, limit® features2
  • bank on the go with access to your account via the CommBank app.


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?

Apply online


Things you should know:

CommBank Credit Card Conditions of Use

1. No annual fee in the first year. We’ll waive the annual fee in subsequent years if you spend $1,000 or more a year in the previous year (on purchases or cash advances only).

2. To access the lock, block and limit features on the CommBank app, you need to have Android 2.3+ operating system and above or iOS 5.0+ operating system. Not available on Windows Phones. Other Terms & Conditions apply.

Applications subject to credit approval. Full terms and conditions will be in our Letter of Offer. Other fees and charges apply. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.