CommBank Low Rate Credit Card (2)

credit card

Low Rate Credit Card (2) is a credit card from CommBank, as the bank publishes it in its product data. Its purchase rate is 13.99% and its card fee $72 a year ($6 a month). The feed calls it "Low Rate credit card".

What the feed states

Purchase rate

13.99% headline; 10.99% to 15.99% by credit assessment

Cash advance rate

21.99%

Interest-free days

up to 55

Card fee

$72 a year ($6 a month) (Monthly fee)

Foreign transaction fee

3.5% of the transaction

Cash advance fee

3%

Late payment fee

$20

Additional cardholder fee

none

Digital wallets

Apple Pay, Garmin Pay, Google Pay, Samsung Pay

Instalment plans

offered

Additional cardholders

up to 1

Credit limit

from $500

Minimum age

18

Scheme

Mastercard

Conditions and offers

• the purchase rate offered varies from 10.99% to 15.99% by credit assessment; the feed's headline rate is ranked
• from 1 February 2027 the purchase rate range rises to 11.99%-16.99% (existing holders 14.99%), cash advance rate to 23.99% and the monthly fee to $8
• from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap
• $420 cashback not for anyone holding, or who held in the last 24 months, a Low Rate or Low Fee card, nor for switches

Who can apply, in the bank's words

• Applications for credit cards are subject to credit approval.
• Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.

About this card

With a low interest rate on purchases, our Low Rate credit card makes it easier to pay off purchases over time.

Data

• CommBank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-12.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/commbank.json: this issuer's cards as JSON; CommBank's page lists them.
• The bank last updated this record on 2026-11-12; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at CommBank

• Business Platinum Credit Card credit card, 20.74%, $300 a year
• Interest-Free Days Credit Card credit card, 17.57%, $60 a year
• Interest-free Low Fee Credit Card credit card, 0.00%, $120 a year
• Low Fee Credit Card credit card, 20.99%, $36 a year
• Low Rate Credit Card credit card, 14.55%
• Neo Card credit card, 0.00%, $180 a year
• Qantas Business Rewards Credit Card credit card, 19.99%
• Smart Credit Card credit card, 20.99%, $228 a year
• Ultimate Credit Card credit card, 20.99%, $420 a year
• Corporate Charge Card charge card, 17.99%
• Corporate Interest Free Days Card corporate card programme, 17.57%
• Corporate Low Rate Card corporate card programme, 14.55%
• Procurement Management Account corporate card programme, 17.99%, $120 a year
• Virtual Cards corporate card programme