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Pros
0% p.a. on purchases for 15 months
Relatively low 13.24% purchase interest rate
Included International Travel Insurance
Cons
3% International Transaction Fee
No attached rewards program
David TMetropolitan Adelaide, SA
- 7 reviews
Had a good offer during signup - after that card is OKAY
Had a cashback of $200 when I spent $500 at signup which was pretty good. Extends 1 year warranty on most purchase. Annual Fee is $89. Overall card is OK.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
GerrySydney, NSW
- 24 reviews
This card is ok
I got this card so the bank pays for my expenses with day to day living. I put my salary into my offset which is nice. Then just before I accrue interest I pay it off from my mortgage offset account from another bank
What I like -
* Its low rate
* Big bank - lots of support
* I missed a payment once - got a $50 fee. Explained to commonwealth I forgot and paid it immediately and they waived the fee
What I don't like
...Read more
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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The reviewer stated that an incentive was offered for this review
SYDHarrySydney
- 19 reviews
- 2 likes
- Verified customer
Low rate with comprehensive international travel insurance
Great credit card for day to day use. Purchase interest rate is just 13.34% p.a and 55 days interest free which are really good.
This credit card comes with comprehensive international insurance cover. I have used it twice. Really easy to activate before flying overseas. Best part of this cover is available for not only the card holder, but for the spouse and kids (up to 10).
I highly recommend Commonwealth Bank Low Rate Gold credit card.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
OlgaSydney, NSW
- 5 reviews
- 3 likes
Great card, works well and really pleased with a low rate on purchases
I have been a customer of CBA for a long time and changed to this card from a standard low rate card as a complimentary bonus offer with complimentary travel insurance and no extra annual fees. I have not used the travel insurance but planning to use it for my upcoming trip to Europe later this year. I am very pleased with the interest rate of 12 %, it is very competitive and would suit someone who does not pay their credit card in full every month, I would recommend this card, it works for me and would work for others too.
- Online Shopping
- Overseas/Travel
- Special Purchases
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daniel78Illawarra, NSW
Low rate but that's it
Low rate card for purchases but very high cash advance rate. Also can't be lowered beyond $2500. Standard low rate card is a better option with $10 lower yearly fee
- Everyday Expenses
- Online Shopping
- Special Purchases
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AmieJKSouth Australia
- 8 reviews
A great, hassle free credit card with a few bonuses
I changed to this card in March this year, choosing to consolidate two cards into one. This Low Rate Gold cards has a reasonable credit limit, low interest rate and low annual fee as well. There are no excess fees when using it overseas - other than the normal international transaction fee - and you get travel insurance included, which was an automatic saving of over $150 for me. The staff at the bank are always friendly and don't try and push increased credit limits, and their online banking system is the best I've seen. Highly recommended and great product.
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zithergirl
- 3 reviews
New to card, so far good
Includes free travel insurance, but not when you are over 80 or have minor pre existing health conditions,
additional cost (not cheap) handled by Alliance, 5 weeks Europe nearly $ 900
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Until today was happy customer BUT FEATURES ARE TOTALLY WRONG & MISLEADING!!
Features in the website and brochure, says a lot but there's a hidden cost, which is not even mentioned in the terms and conditions which is available in online and Hard copy brochure. So Be careful, if you are attracted towards it due to its attractive features from online, word of mouth and etc.
Thought good to have 1 now totally confused!!
Misleading terms and conditions, didn't find the excess fee even while went through all the available online BANK'S T&C's thoroughly(each and every word)
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