CommBank
Low Fee credit card
CommBank · cred and chrg cards
Provider last updated this product 2026-10-01.
Go to provider
You'll complete your application on
CommBank's website. Confirm the rate and fees with them
before applying.
Enjoy the flexibility and convenience of a credit card with a low monthly fee.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 20.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Additional cardholder fee | PERIODIC | $0 | No additional cardholder fee applies for this product. |
| Late payment fee | LATE_PAYMENT | $20 | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. |
| Emergency issue/ lost/ replacement card fee | REPLACEMENT | $20 | Fee applies when an emergency replacement card is requested and delivered. |
| International transaction fee | PURCHASE | 3.50% | International transaction fee applies when you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars. |
| Cash advance fee | CASH_ADVANCE | 3.00% | 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). |
| Monthly fee | PERIODIC | $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. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 20.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Instalment plan
- Instalments - 3 to 12 instalments
- Purchase size - from $100
- Plans at once - up to 50
Who can apply
- min age - 18Primary cardholder must be at least 18 years old. Additional cardholder may be 16 years or older.
- natural personIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
- otherApplications for credit cards are subject to credit approval.
- otherEach 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.
Limits
- min limit - 500.00Note that the credit limit we give you will depend on your ability to meet your repayments.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-01T02:15:40.000Z · Product ID: 76d24ebc94e94b368f829e343dce4b49