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Commonwealth Bank Low Fee

Low Rate Credit Cards and Balance Transfer Credit CardsCommonwealth Bank Low Fee

4.0 from 45 reviews

  • $0 Annual Fee in the first year and waived in subsequent years when you spend $1,000 or more on purchases or cash advances in the previous year

  • Minimum credit limit of $500

  • 3% International Transaction Fee

  • No attached rewards program

Purchase Rate19.74% p.a.
Annual Fee$29 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit $500
  • Maximum Credit Limit $50,000
  • Minimum Income $15,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $0
  • Transparency
    4.4
  • Rewards
    3.1
  • Online Experience
    4.4
  • Customer Service
    4.3
  • Rates and Fees
    3.9
  • Application Process
    4.4
Commonwealth Bank Awards

Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Awards

3.5 from 83 reviews

  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

Purchase Rate20.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points30,000

  • Specifications
  • Review Summary
  • Pros & Cons
  • Minimum Credit Limit $500
  • Rewards ProgramCommBank Awards
  • Points Earn Rates 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 30,000 Bonus Awards Points when you apply by 29 February 2020 and spend $2,000 within 90 days.
  • Transparency
    4.1
  • Rewards
    4.1
  • Online Experience
    4.4
  • Customer Service
    4.3
  • Rates and Fees
    3.6
  • Application Process
    4.2

  • Entry-level credit limit of $500 minimum

  • Can earn either Commbank Awards points or Qantas Frequent Flyer points

  • High Balance Transfer Rate (5.99%)

  • Awards points earn rate capped at 50,000 per annum

  • Qantas points earn rate capped at 12,000 per annum

  • Switching to Qantas points program incurs an additional $30 annual fee

Commonwealth Bank Diamond Awards

Frequent Flyer & Travel Credit Cards and Rewards Credit CardsCommonwealth Bank Diamond Awards

3.5 from 41 reviews

  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • $349 Annual Fee

  • 3% International Transaction Fee

Purchase Rate20.24% p.a.
Annual Fee$349 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit $15,000
  • Maximum Credit Limit $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rates 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Transparency
    4.0
  • Rewards
    3.4
  • Online Experience
    4.3
  • Customer Service
    4.3
  • Rates and Fees
    3.3
  • Application Process
    4.1

  • Earn 1.25 Awards Points per $1

  • International Travel Insurance included

  • Cashback offers with Mastercard Travelers Rewards

  • $349 Annual Fee

  • 3% International Transaction Fee

  • Minimum Credit Limit of $15,000

Commonwealth Bank Low Rate
  • Award Winner 2020

Low Rate Credit Cards and Balance Transfer Credit CardsCommonwealth Bank Low Rate

4.4 from 12 reviews

  • Up to $300 cashback on offer if you apply by 30 April 2020

  • Low purchase interest rate of 13.24%

  • 3% International Transaction Fee

  • No attached rewards program

Purchase Rate13.24% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • Pros & Cons
  • BenefitsCashback Offer
  • Minimum Credit Limit $500
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Transparency
    4.3
  • Rewards
    2.7
  • Online Experience
    4.3
  • Customer Service
    4.6
  • Rates and Fees
    4.4
  • Application Process
    4.5

  • Up to $300 cashback on offer if you apply by 30 April 2020

  • Low purchase interest rate of 13.24%

  • Accessible minimum credit limit of $500

  • $59 Annual Fee

  • 3% International Transaction Fee

  • No attached rewards program

  • 5.99% p.a. on Balance Transfers for 5 months, reverting to the high Cash Advance Rate of 21.24% thereafter

Commonwealth Bank Platinum Awards

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsCommonwealth Bank Platinum Awards

3.0 from 34 reviews

  • 100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation

  • Earn 1 Awards point for every $1 spent

  • $249 Annual Fee

  • 3% International Transaction Fee

Purchase Rate20.24% p.a.
Annual Fee$249 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points100,000

  • Specifications
  • Review Summary
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $50,000
  • Rewards ProgramCommBank Awards
  • Points Earn Rates 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 within 90 days.
  • Transparency
    3.7
  • Rewards
    2.8
  • Online Experience
    4.0
  • Customer Service
    4.0
  • Rates and Fees
    2.8
  • Application Process
    4.0

  • 100,000 Bonus Awards Points if you apply by 29 Feb 2020 and spend $4,000 within 90 days from activation

  • Earn 1 Awards point for every $1 spent

  • International Travel Insurance included

  • $249 Annual Fee

  • 3% International Transaction Fee

  • Points are capped at 150,000 points per year

Commonwealth Bank Commbank Essentials

Low Rate Credit CardsCommonwealth Bank Commbank Essentials

5.0 from 1 review

  • 9.90% p.a Interest Rate on Purchases

  • Accessible Minimum Credit Limit of $400

  • $5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)

  • 3% International Transaction Fee

Purchase Rate9.90% p.a.
Annual Fee$60 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • Pros & Cons
  • Minimum Credit Limit $400
  • Maximum Credit Limit $3,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Transparency
    4.0
  • Online Experience
    5.0
  • Customer Service
    4.0
  • Rates and Fees
    3.0
  • Application Process
    5.0

  • 9.90% p.a Interest Rate on Purchases

  • Accessible Minimum Credit Limit of $400

  • $5 Monthly Fee ($2 if you choose online statements and set up automatic payments using AutoPay)

  • 3% International Transaction Fee

  • Maximum Credit Limit of $3,000 may be too low for you

Commonwealth Bank Low Fee Gold

Credit CardsCommonwealth Bank Low Fee Gold

3.7 from 3 reviews

  • $0 Annual Fee in the first year and subsequent years when you spend $10,000

  • No International Transaction Fees

  • No attached rewards program

Purchase Rate19.74% p.a.
Annual Fee$89 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Minimum Credit Limit $4,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. for the first 15 months
  • Reduced First Year Annual Fee $0
  • Transparency
    4.5
  • Online Experience
    5.0
  • Customer Service
    4.5
  • Rates and Fees
    3.5
  • Application Process
    4.0

  • $0 Annual Fee in the first year and subsequent years when you spend $10,000

  • No International Transaction Fees

  • Included International Travel Insurance

  • Complimentary Extended Warranty and Purchase Security Insurance

  • No attached rewards program

Commonwealth Bank Low Rate Gold

Low Rate Credit CardsCommonwealth Bank Low Rate Gold

3.4 from 8 reviews

  • 0% p.a. on purchases for 15 months

  • Relatively low 13.24% purchase interest rate

  • 3% International Transaction Fee

  • No attached rewards program

Purchase Rate13.24% p.a.
Annual Fee$89 p.a.
Interest Free Period 55 days
  • Specifications
  • Review Summary
  • Pros & Cons
  • BenefitsComplimentary Travel Insurance and Introductory Interest Rate
  • Minimum Credit Limit $4,000
  • Maximum Credit Limit $50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. on purchases for 15 months
  • Transparency
    3.2
  • Rewards
    2.0
  • Online Experience
    4.4
  • Customer Service
    3.6
  • Rates and Fees
    3.4
  • Application Process
    3.4

  • 0% p.a. on purchases for 15 months

  • Relatively low 13.24% purchase interest rate

  • Included International Travel Insurance

  • 3% International Transaction Fee

  • No attached rewards program