Commonwealth Bank
Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card

Purchase Rate
19.74% p.a.
Cash Advance Rate
21.24% p.a.
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Interest Free
Up to 55 days
Annual Fee
$89.00
Balance Transfer Rate
5.99% p.a. for first 5 months
  • Get $200 cashback. Apply by 30 June 2021 and spend $1,000 on purchases by 30 September 2021.*
  • Enjoy $$0 annual fee in the first year and subsequent years when you spend $10,000.1
  • Up to 55 days interest-free on purchases
  • Pay no international transaction fees for purchases you make overseas or online

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$89.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

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
* Offer available on new Low Fee Gold credit cards applied for between 26/02/2021 and 30/06/2021. A separate cashback offer applies to Low Fee 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 Gold 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 $200 cashback on a new Low Fee Gold card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card by 30/09/2021. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as 'CASHBACK $200'. Cashback only available on one credit card per customer. We reserve the right to close the offer prior to 30/06/2021. 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. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply. Please view our Credit Card Conditions of Use. 1 The annual fee is waived in the first year and every subsequent year if you spend at least $10,000 in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds. 2 Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on Netbank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia. If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here. 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 registered 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.