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Commonwealth Bank Low Rate Credit Card

Commonwealth Bank Low Rate Credit Card

Product Image

Purchase Rate
13.24 %
p.a.




Cash Advance Rate 21.24% p.a.
Interest Free Up to 55 days
Annual Fee$59
Balance Transfer Rate 5.99% p.a.for first 5 months

  • Lock in $100 cash back* on a new Low Rate credit card.
  • Limited time on personal online applications when you make a purchase and use any lock, block or limit feature within the first 30 days.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Annual Fee $59 Minimum Repayment Greater of 2.00% or $25
Annual Fee First Year $59 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $20
Supplementary Card Fee $0    
Duplicate Statement Fee $7 Overseas ATM Balance Fee $1.25
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $20

Terms & Conditions
*$100 cash back Low Rate credit card offer is available on online applications for a new personal Low Rate credit card received by 3 July 2015 with the card being activated by 3 August 2015. Excludes upgrades and migrations, all other credit cards and existing credit cards. To be eligible for the $100 cash back, you need to make a purchase and apply any lock, block or spend limit functionality in the first 30 days of activating your new card. The lock, block or limit functionality includes temporarily locking your credit card, blocking international payments or ATM cash advances or limiting the spend amount per transaction, and does not need to be retained until the end of the promotion. Offer can be withdrawn at any time at the discretion of the Bank, and cannot be used in conjunction with any other offer. The cash back will be credited to your account within 60 days of becoming eligible and will appear on your statement as $100 Cash Back. You will be ineligible for the $100 cash back if your account is closed, transferred, upgraded or in default at any time prior to the cash back being credited to your account. 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. Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply. Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.


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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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