CommBank
Low Fee credit card
Enjoy the flexibility and convenience of a credit card with a low monthly fee.
Credit cardsBank updated 23 Sept 2026
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Annual fee
- $0
- Foreign transaction fee
- 3.50%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 21.99% | — | — |
| Purchase | — | — | — | 20.99% | — | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash advance fee | Cash advance | 3.00% of transaction | — | 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 pu… |
| Late payment fee | Late payment | $20 | 1 days after due | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. |
| Additional cardholder fee | Periodic | No fee | Every 1 yr | No additional cardholder fee applies for this product. |
| Monthly fee | Periodic | $3 | Every 1 mo | No monthly fee if you spend at least $300 in your statement period (on purchases and cash advances only). Otherwise the monthly fee is $3. No monthly fee if you spend at least $300 in your statement period (on purchases and cash advances only). Otherwise the monthly fee is $3 |
| International transaction fee | Purchase | 3.50% of transaction | — | International transaction fee applies when you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars. |
| Emergency issue/ lost/ replacement card fee | Replacement | $20 | — | Fee applies when an emergency replacement card is requested and delivered. |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionInstalment plans55 interest-free days1 additional cardsApple PayCommBank Tap and PayGarmin PayGoogle PaySamsung PayExtended warranty insurancePurchase security insurance
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: NZ
- · Available to individuals
- · Amount $500 to no maximum
- · 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.
§ 06 — Run the numbers
Put this product through a calculator
Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.