No rewards · Credit card
Low Rate credit card
$420bonus
$348 after the $72 first-year fee
13th of 66 bonus cards
Earn $70 each month when you spend $500 or more per month for the first 6 months on a new Low Rate credit card.
- Annual fee
- $72
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Complimentary travel insurance
- No
- Minimum credit limit
- $500
- Monthly fee
- $6
- Annual fee
- $72
- Monthly fee
- $6
- Additional cardholder
- Free
- Foreign transaction fee
- 3.5%
- Late payment fee
- $20
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Interest-free days
- Up to 55
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Mastercard
- Minimum credit limit
- $500
- Low Rate credit card
No changes recorded for this product since tracking began on 10 September 2026.
With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off purchases over time.
Also from Commonwealth Bank: Low Fee credit card $204 net · Smart credit card $12 net · Ultimate credit card −$20 net · CommBank Neo Card $180 fee · Interest-free Low Fee credit card $120 fee
A $420 sign-up bonus as of 2 November 2026. After the $72 first-year fee it nets $348, 13th of 66 bonus cards tracked by BankMate. No end date is published for the offer. From the provider's Consumer Data Right feed, refreshed nightly.