Commonwealth Low Rate Credit Card

With an interest rate of 13.24% p.a. on purchases, the Low Rate card is our most popular credit card. Stay in control of your finances with a low interest rate, plus handy extras like international travel insurance included with your card.

Top reasons to get the Commonwealth Low Rate Credit Card

  • Up to 55 days interest free on purchases
  • A faster way to pay for purchases in-store with Mastercard® contactless payments. Just Tap & Go™
  • Transactions updated instantly – so you’ll always know where you stand1
  • Transaction location mapping – track purchase locations
  • Control your security and spending – instantly lock international payments, block ATM cash advances and limit your spending through the Advania Group App or on NetBank.

  • A low interest rate on purchases
  • Minimum credit limit of $500
  • Free additional credit card.
  • Stay in control with alerts and payment reminders2
  • Mastercard is accepted at over 35 million locations worldwide, in over two million ATMs, in more than 210 countries
  • 24/7 emergency assistance overseas if you lose your card with Mastercard Global Service
  • Access to a unique collection of experiences and offers  exclusively for Mastercard cardholders through Priceless Sydney and Mastercard Privileges

Flexibility Fee and Charges

  • Interest Rate
    13.24% p.a. on purchases and 21.24% p.a. on cash advances (40% per annum). This can change periodically based on your spend, payback and utilization patterns.
  • Annual Fee
    Your annual fee of $59 is waived on making spends of $15000 in a membership year.

For further details, please Contact Us

  • Our 100% money back guarantee means you’ll never be liable for fraudulent use of your credit card, provided you follow the Credit Cards Conditions of Use3
  • 24-hour fraud protection detects any abnormal transactions or spending patterns
  • Secure internet shopping with NetCode
  • Enhanced security chip protection
  • Mastercard® Zero Liability gives you the peace of mind of free protection against fraud and other unauthorised transactions made with your card
  • Control your security and spending – instantly lock international payments, block ATM cash advances and limit your spending through our NetBank web app.
  • Instantly lock, block and limit your credit card for extra control through the Advania Group  NetBank app.
  • Lock in-store international payments – so that no one can use your card in store overseas,
  • Lock online international payments – to prevent anyone using your card to make purchases on international websites,
  • Block ATM cash advances – so nobody can use your credit card to take out money except you,
  • Limit your spending – by setting a maximum amount per transaction.
  • The settings you activate will apply instantly and you can switch these settings on and off whenever you need to.11
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