Commonwealth Bank
Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card

Purchase Rate
19.74% p.a.
Cash Advance Rate
21.24% p.a.
Interest Free
Up to 55 days
Annual Fee
Balance Transfer Rate
5.99% p.a. for first 5 months
  • Get $150 cashback. Apply by 30 September 2021 and spend $1,000 on purchases by 30 December 2021.
  • Enjoy $$0 annual fee in the first year and subsequent years when you spend $10,000.
  • Up to 55 days interest-free on purchases
  • Pay no international transaction fees for purchases you make overseas or online

Key Features
Rewards Program
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

Fee & Repayments

Annual Fee $89.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $25.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Other Charges

Duplicate Statement Fee $7.00
Overseas ATM Balance Fee $1.25
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $4.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $20.00
Terms & Conditions
* This offer has been extended. Offer available on new Low Fee credit cards applied for between 26/02/2021 and 30/09/2021 (previous end date 30/06/2021). A separate cashback offer applies to Low Fee Gold credit cards applied for during the same period. Offer not available on all other card types, existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior. You will be ineligible for the cashback if your account is closed, switched to another card, or in default at any time prior to the cashback being credited to your account. To be eligible for the $150 cashback on a new Low Fee card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card by 30/12/2021 (previous spend by date 30/09/2021). Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as 'CASHBACK $150'. Cashback only available on one credit card per customer. 1 The annual fee is waived in the first year and every subsequent year if you spend at least $1,000 in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds. 2 Eligible CBA credit or debit Mastercard, Business credit cards and StepPay customers, that are at least 18 years old, are not in hardship, and are not in default with any CommBank accounts can access CommBank Rewards through the latest version of the CommBank app. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app. 3 A maximum charge of $300 (or a flat fee of $3.00 applies if your closing balance on previous business day was in credit). Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.

* 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.