CommBank Low Fee Gold Credit Card
Enjoy $300 cashback to spend how you want. Apply by 30 June 2022 and spend $1,500 on purchases within 90 days of card activation.
What you'll get
$0 annual fee in the first year and subsequent years when you spend $10,000
19.74% p.a. purchase interest rate
Up to 55 days interest-free on purchases
Minimum credit limit of $4,000
Cashback benefits for eligible cardholders through CommBank Rewards2 in the CommBank app
Pay no international transaction fees for purchases you make overseas or online
Included international travel insurance, simply activate before you travel3
Up to 1 year extended warranty on most purchases
Purchase security insurance available for most lost, stolen or damaged purchases
Priceless® Cities offers and experiences
Rates & fees
Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.
Type
Rates & fees
Conditions
Additional cardholder fee
$0
Annual fee
$89
No annual fee in the first year. We’ll waive an annual fee in subsequent years if you spend $10,000 or more a year on purchases or cash advances in the previous year.
Balance transfer rate
5.99% p.a.
Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across, cash advance rate thereafter. Conditions apply.
Cash advance interest rate
21.24% p.a.
Cash advances may be unavailable or subject to a limit restriction.
Cash advance fee
$3.00 or 3.00% of the transaction amount – whichever is greater6
This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.6
Interest free period on purchases
Up to 55 days
International transaction fee
0%
Pay no international transaction fees on purchases or cash advances you make overseas or in Australia (for example online) where the merchant or financial institution or entity processing the transaction is located overseas. For international cash advances, the cash advance fee will apply.
Late payment fee
$20
The amount charged if you don't pay the minimum amount, plus any overdue amount, by your statement due date.
Minimum credit limit
$4,000
Purchase interest rate
19.74% p.a.
Are you shop at Coles or WoW? Buy gift cards.
Are you having private health insurance? Prepaid for months ahead also save on price raise later.
If you see yourself couldn't reach spending req at near end of 3 months, buy the prepaid Visa card. You'll pay a small fee but at least meet the requirement.