Keep more of your cash with CommBank Low Rate Credit Card 0% p.a., up to $240 cashback, $72 annual fee and full app control
Save on interest with 0% p.a., grab up to $240 cashback and manage your CommBank Low Rate Credit Card via the app for just a $72 annual fee
Why the CommBank Low Rate Credit Card fits Aussie budgets
The CommBank Low Rate Credit Card is built for Australians who want straightforward savings without fuss. With 0% p.a. on purchases for the first three months and a modest $72 annual fee, this card gives space to manage large buys like a new lounge or a holiday without immediate interest piling up. For savers and planners, that introductory window is a smart opportunity.
Because it’s a low-rate card from Commonwealth Bank, the CommBank Low Rate Credit Card is easy to factor into household budgets. The ongoing competitive rate keeps interest costs down if you ever carry a balance, while the $72 fee remains one of the more affordable options among mainstream cards in Australia.
Cashback, interest and ongoing costs
The card offers up to $240 cashback when you meet the qualifying spend within the promotion period, turning everyday purchases into extra value. To claim, check the exact spend threshold and time frame in the CommBank app or on NetBank; meeting those targets makes the cashback a genuine saving that offsets the annual fee and more.
After the 0% p.a. promo, the CommBank Low Rate Credit Card switches to its standard low interest rate, which helps if you occasionally carry a balance. Plan big-ticket purchases during the intro period, and use the cashback and low ongoing rates to keep annual costs minimal compared with higher-rate alternatives.
Security, app control and digital wallets
Security is a standout with the CommBank Low Rate Credit Card. Through the CommBank app and NetBank you can lock, block or limit transactions instantly, get real-time fraud alerts, and monitor spending as it happens. These features mean you can react straight away if something looks off, giving real peace of mind for everyday tap-and-go use.
The card also supports Apple Pay and Google Pay, so payments can be authenticated by fingerprint or face ID rather than typed card numbers. Combined with automated fraud detection and the ability to freeze the card in-app, the CommBank Low Rate Credit Card offers a modern security toolkit that suits travellers and busy households alike.
How to apply and make this card work for you
Applying is simple via the CommBank app or Commonwealth Bank website, with decisions often returned quickly once you provide basic ID and income details. The app also guides you through the cashback terms and helps track progress towards any introductory spend, so you won’t miss out on rewards you’ve earned.
If you want a no-nonsense credit card that balances a small annual fee with tangible savings and strong digital controls, the CommBank Low Rate Credit Card is worth comparing. Check eligibility, read the PDS for fees and conditions, and use the app to manage security and maximise cashback — it’s designed for everyday Australians who want to keep more of their cash.