CommBank Low Fee Gold Credit Card

• Eligible balance transfer debt. If you plan to transfer a balance, it must be from a non-CommonBank account.
• Credit history. You must have a good credit score with no current bankruptcies to receive approval. You can get your credit score and copy of your comprehensive credit report for free through Finder.
• Age. You must be at least 18 years old to apply.

Required documents

• Personal information. This includes your full name, date of birth, contact information, residential address, marital status and number of financial dependents.
• Proof of identification. You'll need to verify your identity with your drivers licence, passport, Medicare card or another form of identification.
• Income and employment. Confirm your current employment and annual income. You may need to provide recent payslips to prove your income.
• Finances. This includes any assets, such as savings and investments as well as any liabilities like existing debts or loans.
• Balance transfer information. If you are transferring a balance, you will need to provide the amount as well as the account numbers from which you are requesting the transfer.
• Visa information. You will need to provide details about your visa if you are not an Australian permanent resident or citizen.

• 0% international transaction fees. Save with 0% international transaction fees when you use your card to spend overseas or shop online with an international merchant.
• Included international travel insurance. You'll be covered for overseas medical, lost luggage and travel cards, baggage delay and more with this international travel insurance. Provided the eligibility requirements are met, this cover protects you, your spouse and dependent children travelling with you. You can activate your insurance through NetBank or the CommBank app.
• Purchase insurance. You can shop with peace of mind with extended warranty cover and other included purchase covers on lost, stolen or damaged items bought with the card.
• Mobile contactless payments. You can link your account with Apple Pay, Samsung Pay and Google Pay to tap and pay with your smartphone. You can also use your fitness tracker to make contactless payments with Fitbit Pay and Garmin Pay.
• Lock, block and limit your account. You can set transaction limits, lock international transactions and cash advances through NetBank or the CommBank app.
• Mastercard perks. Take advantage of exclusive offers and discounts on entertainment and travel experiences through Mastercard Priceless Cities.
• Security. Your account is monitored by 24-hour fraud protection to detect any abnormal transactions and you'll be protected against fraud with Mastercard Zero Liability. If your card is lost or stolen, you can contact the 24/7 emergency Mastercard Global Service team for assistance.

• Cash advances. If you use your card for cash advances, such as ATM withdrawals, money transfers or gambling transactions, you'll be charged the 21.24% p.a. cash advance interest rate and the cash advance fee of $3 or 3% of the transaction value, whichever is greater.
• Balance transfers. If you're paying off an existing debt, you'll pay 5.99% p.a. interest on balance transfers for the first 5 months. The cash advance interest rate applies to any balance transfer debt thereafter.
• Additional cardholders. You can apply for 1 supplementary card for a partner or family member for $0.