Low Fee credit card

Credit & Charge CardsData Sharing Status

Enjoy the flexibility and convenience of a credit card with a low monthly fee.

Interest Rates

Type	Rate	Comparison	Applies To
Purchase	20.99%	—	—
Cash advance	21.99%	—	—

Fee	Type	Amount
Additional cardholder fee Charged yearly · No additional cardholder fee applies for this product.	Ongoing	$0.00
Late payment fee When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date.	Late payment	$20.00
Emergency issue/ lost/ replacement card fee Fee applies when an emergency replacement card is requested and delivered.	Replacement	$20.00
International transaction fee International transaction fee applies when you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars.	Purchase	3.5% of transaction
Cash advance fee 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. Capped at a maximum fee of $300.00 (or $4.00 if your closing balance was in credit the previous business day. For cash advances made via NetBank transfers, CommBank App transfers or ATMs, the fee will be $0 if your closing balance was in credit the previous business day).	Cash advance	3% of transaction

Additional cards — up to 1: Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.
Bill payment (BPAY) — AutoPay: Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.
Bill payment (BPAY) — BPAY View: With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.
Insurance included — Extended warranty insurance: Extends the manufacturer's Australian warranty on most purchases by up to a year. This is provided the purchase is charged to the cardholder's eligible credit card account or is purchased by redeeming Commonwealth Awards points. Restrictions, exclusions, limits, sub-limits and excesses may apply. Refer to the Credit Card Insurances Information Booklet for full details.

Minimum age — 18 yearsPrimary cardholder must be at least 18 years old. Additional cardholder may be 16 years or older.
Individuals onlyIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
Applications for credit cards are subject to credit approval.
Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
Residency status — Available to citizens or permanent resident of Australia and valid Visa holders.Make sure you are legally allowed to work in Australia.
Residency status — NZAvailable to New Zealand citizen or permanent resident and valid Visa holders. Make sure you are legally allowed to work in Australia.

Minimum limit — $500.00Note that the credit limit we give you will depend on your ability to meet your repayments.

Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 76d24ebc94e94b368f829e343dce4b49 · View on CDR.gov.au