Be warned ! I applied for the card on the 1st of July via the offer link . It took 2 weeks the process the application , so wasn't approved until July 13th . I phoned many times to confirm that I was eligible for the offer even though it was sitting as " conditionally approved " was told as long as application submitted prior to offer end date of 3rd July I was signed up . Was hit with the annual fee a week ago and called CommBank yesterday . Told I was not enrolled in the offer and that a query would go through to cards team and that this has been happening to heaps of other people and frankly the operator was sick of this CommBank offer and all its errors !