FinanceHero / Australia / Credit Cards
Compare account fees and borrowing charges. Standard pricing is shown unless a condition is stated.
Consumer credit cards
| Card | Account fee | Borrowing rate | Cash / FX | Eligibility | Key caveat |
|---|---|---|---|---|---|
Commonwealth BankLow Fee credit card | AUD 3 monthly, waived with AUD 300 eligible spending per statement period. | Purchases 20.99% per year; cash advances 21.99%. | Cash: Greater of AUD 4 or 3% of the transaction, plus interest.FX: 3.50% international transaction fee, including AUD transactions processed overseas. | Not available | Cash advances/refunds do not qualify as eligible spending. Cash can be restricted; late payment fee AUD 20. Promotional cashback excluded. |
NABLow Rate Card | Standard annual fee AUD 99; introductory waivers excluded. | Variable purchase rate 13.99% per year; cash advances 22.99%, from 1 October 2026. | Cash: Not availableFX: Not available | 18+, regular income, Australian tax resident; AU/NZ citizen, permanent resident or acceptable temporary visa; ID verification. | Cash-advance and foreign-transaction fees not verified. Promotional balance-transfer rates/cashback excluded; unpaid promotional transfers revert to cash rate. |
Checked: 7 Oct 2026 · Sources: commbank.com.au · nab.com.au
Fees may exclude statutory charges.