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Commonwealth BankCommBank Low Fee
Commonwealth BankCommBank Low Rate
Credit cards · Side by side
CommBank Low Fee vs CommBank Low Rate
vs
Compare on
First-year value after costs, on an assumed $2,000 a month
$204
$0 rewards + $240 bonus, less costs
$348
$0 rewards + $420 bonus, less costs
CommBank Low Rate's first-year value is $144 higher than CommBank Low Fee's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
$204
$348
$144 more · Higher value after costs
Sign-up bonus
in dollars, points at what a point buys
$240
Cashback
$420
Cashback
$180 more · Larger sign-up bonus
What the bonus asks
spend on the card
$500 each month
$500 each month
Annual fee
ongoing, with any rewards program fee
$36
$3 a month
$36 less · Lower annual fee
$72
$6 a month
First-year fee
$36
the same as later years
$36 less · Lower first-year fee
$72
the same as later years
Rewards program
None
None
Earn rate
on everyday spend, at what a point buys
None
None
Purchase rate
20.99%
a year
13.99%
a year
7.00 lower · Lower purchase rate
Interest-free days
on purchases, at most
55 days
55 days
Overseas transaction fee
3.50%
of each overseas purchase
3.50%
of each overseas purchase
Cash advance rate
21.99%
a year
21.99%
a year
Additional cardholder fee
None
a year for each extra card
None
a year for each extra card
Minimum credit limit
$500
$500
Complimentary travel insurance
No
No
Airport lounge access
No
No
Network
Mastercard
Mastercard
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, CommBank Low Fee charges $36 a year and its sign-up offer is $240 cashback; CommBank Low Rate charges $72 a year and its sign-up offer is $420 cashback. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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