CommBank Low Fee Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- 55 days interest-free51
- Cashback62
- First timer68
- Rewards23
Customer reviews
Based on 85 reviews. We show 20 of them.
Reviewers kept coming back to fees, security and the interest rate.
Outstandingly low fees
There are almost next to no annual fees, and cash advance and monthly fees are always very low. I would recommend this card to anyone to who is wanting to pay their credit card off.
Low fees, regular updates, great service
This is a great credit card for students. It has low fees, I get sent regular updates, and I have the mobile app on my phone. I can use the deposit ATMs at any time, so it’s very convenient. If I have any troubles I call and the customer service team help out. I would recommend…
Low cost and easy to use
It’s a very low cost card. I’ve owned this card since before I’ve been with Commonwealth Bank, ever since I started working. This card allows me to use my money easily, via online shopping or in a store. I have not had a single problem with it. I’d recommend it to anyone.
Low fees, great service, simple to use
I have been happy with this card and bank from day one. It combines low fees and simplicity. Customer service is also always on point. I have full trust in the security on this card also and I feel confident that if I were to have any troubles the friendly customer service staff…
Low-fee, low-limit emergency card
As it’s a low fee card, you don’t need to worry about getting smacked with a hefty sum once a year for something you use merely as a back-up. I have the card because the minimum credit limit is quite low, so you can keep it tucked away for emergencies without having to worry…
Good first time credit card for younger people
This is a great option for younger people who may not be able to afford the high fees of some banks. It is great for students or younger people as it saves you money annually and the interest rates are not too high. You can get up to 55 days interest free, which is perfect for…
Great for a low income earner
This card is great for emergencies and also for online shopping — a card for things like car rego or insurance as well as smaller online buys. I am able to pay off this card in small bits or sometimes bigger bits, so it’s great for a low income earner. It lets me be in control…
Superb for travelling without added worries
I’m happy with my low fee credit card, as with all purchases made I get a 55 day interest-free period. Also, if I spend a certain amount each year, my annual credit card fee is waived. Transactions with this card are displayed instantly in real-time too. Customer support with…
Decent low cost card but high purchase rate
The annual fee is waived in the first year (usually $29) and each year you spend at least $1000 on the card in the previous year. It has all the features that you want in a credit card, like up to 55 interest-free days, fraud protection and worldwide access via the MasterCard…
Low fees on top of great service and security
Commonwealth Bank really looks after me. I always receive prompt and efficient customer service when needed. My security is always 100% protected. I can happily and peacefully enjoy my shopping and pay my bills without any hesitations. I get my statements in a timely manner. The…
Pros & cons
What's good
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- 3.5% foreign transaction fee on overseas spending, at the high end of the market.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $500 – $100,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $36 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Sign-up cashback
- $240
- Spend required
- $500 per month for 6 months
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
Compare the CommBank Low Fee Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Commonwealth Bank