With No annual fee on a low yearly spend this is a good no frills card if you are not interested in earning points or having any other added options.

It works great to purchase everyday items in Australia but it has international transaction fees so be careful when purchasing items from overseas online sites. It also waives annual fees when making a certain minimum amount of purchases in a year.

Found the CBA app really user friendly compared with other banks. I haven't used this card overseas to avoid the transaction fees. The negative is that this card doesn't have any points nor international insurance so it is only good for using within Australia.

The bank low fee card is definitely a good option for students as CBA waives the fees. However, the drawbacks are also obvious. No reward points, high cash advance fees, high exchange rates. It is a good choice if you use it for daily purchase, online shopping in Australia. Their customer service is also pretty good. They will get your money back if your card is stolen and used by others. NEVER use it overseas. DON'T use the travel money card of CBA neither. The exchange rates in CAB suck and it is not easy to transfer the money into another account if the money is less than 10. I cancelled this card as soon as I graduated.

I have been using this card over a period of time and has found it very handy,But unfortunately have never used this card overseas.I have only used this card for my flight ticket bookings and to pay the bills.

The exchange fee when using it abroad when traveling is not as LOW as other card like INGs Direct card. Also the currency exchange rates is on the higher side of other credit cards I have.

The card offers basic services like 55 days interest free payments, payment protection, overseas service and an application where you can monitor your purchases. They could have added an awards program with it.

Overdrew my card by accident when i was struggling over Christmas since then i can receive upto 3 calls a day from a private number which is commonwealth banks automated robot calling me Sometimes it can be more.
When i first applied it was because I was told it was the only way to actually get a credit rating. I just wanted $1500 i wasn't even going to use it. Then all of a sudden they had applied for another credit card for me and cancelled my other application. I was like okay because i went in and talked to someone. Anyways it was approved and they had given me a $5000 credit card. Being a 19 year old mum with 2 kids i thought that was ridiculous.

This is a no fee card providing you spend a $1000 annually with it and pay due amounts within 55 days. If you do not spend more than a $1000 annually then this card incurs a $29 annual service fee. This card also incurs a 3% charge for payments made in international currencies. I use this card mainly for purchasing items online from reputable established company's. Be warned this card only provides protection against, like most credit cards, unauthorised fraudulent charges. If you buy something online and get duped then there are no protections...

The low fee credit card is a great option for those looking to get a credit card without having to pay for all the bells and whistles. As many people do not want things like a rewards program or travel insurance, it is great that a low fee option is available. It is easy to increase or decrease your credit limit to suit your needs and if you are a Commonwealth Bank account holder, you can pay your bill through Netbank. The interest rates are high as with all credit cards, but if you pay off your bill each month, this should not be a problem....

This is a great basic credit card, minimal whistles and bells, but reasonably low fees. I guess, what else can you say about it? Just a card like all the others, the only thing that swayed me was the fee structure on it - if you need a credit card, I guess just weigh up the fees and how much you are willing to pay!
Low fees