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Commonwealth Bank Low Rate Gold Credit Card

Commonwealth Bank Low Rate Gold Credit Card

Product Image

Purchase Rate
13.49 %

Cash Advance Rate 21.24% p.a.
Interest Free Up to 55 days
Annual Fee$89
Balance Transfer Rate 5.99% p.a.for first 5 months

  • Lock in $100 cash back* on a new Low Rate Gold credit card from CommBank.
  • Limited time on personal online applications when you make a purchase and use any lock, block or limit feature within the first 30 days.
  • MasterCard PayPass.
  • Complimentary additional card for a family member or friend.
  • Enhanced security chip protection.
  • International travel insurance.
  • Purchase protection insurance.
  • Extended warranty insurance.
  • Optional features on request - e.g. Card Repayment Cover and Secure Sentinel.

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

Annual Fee $89 Minimum Repayment Greater of 2% or $25
Annual Fee First Year $89 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
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $20

Terms & Conditions
*Online applications for new Low Rate and Low Fee cards only excludes upgrades and migrations. Offer is available for a limited time and can be withdrawn at any time at the discretion of the Bank. Cannot be used in conjunction with any other offer. To be eligible for the $100 cash back, you need to apply online before 1 May 2015, activate by 1 June 2015, make at least one purchase and apply any lock, block or spend limit functionality in the first 30 days from activation. 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. The cash back will be applied to your account within 90 days of completing the steps required to be eligible. 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. Excludes Awards cards, Corporate credit cards, Business credit cards (Personal Liability Business credit cards) and existing credit card accounts. Applications are subject to credit approval. Please view CommBank’s Credit Cards Conditions of Use. Full terms and conditions will be included in our Letter Of Offer. Other fees and charges are payable. MasterCard is a registered trademark of MasterCard International Incorporated.

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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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