Issuer profile · Credit cards
LiveCommonwealth Bank credit cards
Commonwealth Bank also offers savings accounts, home loans, term deposits and personal loans · Provider overview →
As of 18 September 2026, Commonwealth Bank has seven credit cards tracked by BankMate, two of them carrying a sign-up bonus. The Low Rate credit card's bonus is worth about $420, or $348 after its $72 first-year fee, which ranks 35th of 51 bonus cards. Its cards last changed on 10 September 2026.
- Top bonus, net of fee
- $348
- Low Rate credit card · $420 less $72
- Market rank
- #35
- of 51 cards with a bonus
- Cards
- 7
- 2 with a bonus · 3 programs
- Last change
- 10 Sept 2026
- 1 change on record
Offers and when they end
Bonus value net of first-year fee · expiry from the issuer's termsLow Rate credit card ($348 net) and Low Fee credit card ($204 net) carry a standing bonus with no published end date. Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
What changed
1 change since 10 Sept 2026- Smart Awards credit card · rewards program now Smart AwardsRe-read from the issuer's card page—
Cards
Ranked by bonus net of first-year fee · of 51 bonus cardsAwards Points Earn Structure · 1
- Annual fee
- $96
- Monthly fee
- $8
- Additional cardholder
- Free
- Rewards program
- Awards Points Earn Structure
- Base earn rate
- 0.5 Awards Points Earn Structure pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Smart Awards · 1
- Annual fee
- $228
- Monthly fee
- $19
- Additional cardholder
- Free
- Rewards program
- Smart Awards
- Base earn rate
- 2 Smart Awards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Ultimate Awards Points Earn Structure · 1
0.4 Ultimate Awards Points Earn Structure pts per $ · $420 fee · domestic lounges
—No bonus · $420 fee- Annual fee
- $420
- Monthly fee
- $35
- Additional cardholder
- Free
- Rewards program
- Ultimate Awards Points Earn Structure
- Base earn rate
- 0.4 Ultimate Awards Points Earn Structure pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
No rewards · 4
$420 value
- Annual fee
- $72
- Monthly fee
- $6
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Earn $70 each month when you spend $500 or more per month for the first 6 months on a new Low Rate credit card.
$240 value
- Annual fee
- $36
- Monthly fee
- $3
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- Yes
Earn $40 each month when you spend $500 or more per month for the first 6 months on a new Low Fee credit card.
- Annual fee
- $120
- Monthly fee
- $10
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $180
- Monthly fee
- $15
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Cash advance rate
- 0.00% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Notes on Commonwealth Bank credit cards
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