Guide to Commonwealth Bank Mastercard PayPass

Use Mastercard’s contactless technology to make secure and convenient payments with your Commonwealth Bank credit card.

In our fast-paced society, contactless card payments have become increasingly popular in Australia. Luckily for Commonwealth Bank credit card customers, there are plenty of options if you're looking to save time at the register. Currently, all Commonwealth Bank credit cards offer Mastercard PayPass functionality. All you need to do is hold your Commonwealth Bank Mastercard card within 4cm of a contactless payment terminal and you can approve purchases of up to $100 without inserting your card or entering your PIN. Use this guide to see the cards that offer PayPass, understand how it works and how you can keep your contactless payments secure.
Rates last updated January 21st, 2019
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Commonwealth Bank Low Rate Credit Card
13.24% p.a.
5.99% p.a. for 5 months
$59 p.a.
Get a low ongoing 13.24% p.a. purchase rate, a 5 month balance transfer offer and up to 55 days interest-free on purchases.
Commonwealth Bank Low Fee Credit Card
19.74% p.a.
5.99% p.a. for 5 months
$0 p.a. annual fee for the first year ($29 p.a. thereafter)
Receive up to 55 days interest free on purchases and a continued annual fee waiver if you spend at least $1,000 in the previous year.
Commonwealth Bank Low Fee Gold Credit Card
19.74% p.a.
5.99% p.a. for 5 months
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Enjoy up to 55 interest-free days on purchases, included insurances and an ongoing annual fee waiver when you meet the spend requirement.
Commonwealth Bank Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$59 p.a.
Earn 1 Awards point per $1 on everyday spend, up to 50,000 points per year. Plus, up to 55 days interest-free on purchases.
Commonwealth Bank Low Rate Gold Credit Card
13.24% p.a.
5.99% p.a. for 5 months
$89 p.a.
Get a low ongoing 13.24% p.a. purchase rate, a 5 month balance transfer offer and up to 55 days interest-free on purchases.
Commonwealth Bank Platinum Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$249 p.a.
Earn 1 Awards point per $1 on everyday spend, up to 150,000 points per year. Plus, included travel insurance and a 24/7 concierge.
Commonwealth Bank Diamond Awards Credit Card
20.24% p.a.
5.99% p.a. for 5 months
$349 p.a.
Earn 1.25 Awards points per $1 spent up to 1,000,000 points per year, plus complimentary international travel insurance.
Commonwealth Bank Essentials Credit Card
9.90% p.a.
$60 p.a.
Save with a low 9.9% p.a. interest rate on purchases. Plus, add an additional cardholder for $0.

Compare up to 4 providers

Rates last updated January 21st, 2019
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Bendigo Bank Low Rate Mastercard
11.99% p.a.
$0 p.a. annual fee for the first year ($45 p.a. thereafter)
A no-frills card with a low variable purchase interest rate of 11.99% p.a. and a $0 first year annual fee.
Bankwest Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months
$0 p.a.
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and a balance transfer offer.
Bendigo Bank Platinum Rewards Mastercard
19.99% p.a.
$89 p.a.
Get 75,000 bonus points when you spend $2,500 within 90 days. Plus, access to complimentary insurance covers and Mastercard Priceless Cities.
Bendigo Bank Low Rate Platinum Mastercard
11.99% p.a.
$89 p.a.
Offers premium features such as mobile phone and tablet insurance and purchase protections, plus, up to 55 days interest-free on purchases.
28 Degrees Platinum Mastercard
21.99% p.a.
4.99% p.a. for 6 months
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes, global wifi access and a concierge service.
Emirates Citi World Mastercard
20.99% p.a.
0% p.a. for 9 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Receive up to 60,000 bonus Skywards Miles and pay half the annual fee for the first year.
Westpac Altitude Black - Qantas
20.24% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
Bendigo Bank Qantas Platinum Mastercard
19.99% p.a.
$149 p.a.
Earn Qantas Points on eligible spend, plus enjoy 180 days of comprehensive travel insurance and extended warranty on purchases.
Bankwest Breeze Classic Mastercard
0% p.a. for 6 months (reverts to 12.99% p.a.)
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Pay 0% p.a. interest on purchases for the first 6 months and 0% p.a. on balance transfers for 26 months. Plus, a $0 first year annual fee.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases
Skye Mastercard - Online Offer
23.99% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Get 90 days interest-free, $0 foreign transaction fees and a $0 annual fee for the first year when you apply through finder.

Compare up to 4 providers

How does Mastercard PayPass work?

Using your Commonwealth Bank credit card to make Mastercard PayPass contactless payments is pretty simple. When you spot the Mastercard PayPass symbol at the checkout, you just need to hold your card within 4cm of the contactless payment terminal and you can make purchases of up to $100 without inserting your card or using your PIN. You'll just need to listen for a beep and look for a green light to confirm that the payment has been approved. If your purchase is over $100, you'll need to enter your PIN.

A Commonwealth Bank enabled with Mastercard PayPass looks like any other CBA-issued credit card, except it'll have a small PayPass logo and is built with an antenna that can securely transact with a contactless reader.

Which cards come with PayPass?

All new Commonwealth Bank Mastercard credit cards come with PayPass contactless payments.

Compare Visa PayWave and Mastercard PayPass

Where can I use PayPass?

You can use your Commonwealth Bank Mastercard for contactless payments wherever PayPass is accepted. Some of the popular names on this list include Coles, Myer, 7-Eleven, Woolworths, Caltex, Bunnings, IGA convenience stores, Dymocks, Subway, Newslink, Terry White Chemists, Chicken Treat Stores, and Foodworks.

How are my PayPass purchases secured?

One of the biggest concerns cardholders have revolves around the security of the card, but using your card for a contactless payment is just as secure as any other payment. You can be reassured by the following security measures that will protect your contactless payments:

  • Protection against fraudulent transaction. Commonwealth Bank's fraud protection technology is constantly monitoring your account, so you'll be notified if any suspicious or fraudulent transactions are made using your card. If an unauthorised transaction does take place, you're protected by a zero liability policy. So you'll just need to report the transaction and Commonwealth Bank will reimburse you 100%. Plus, Mastercard SecureCode provides added security when your card’s details make it to the online world.
  • No accidental payments. If you’re worried that you'll make an accidental payment by simply walking by a contactless terminal, don’t be. The antenna such a card relies on an extremely short range of 4cm, so you can be sure that you won’t make payments that you shouldn’t. Given this short range, you don’t have to worry about someone stealing your card’s information either. Besides, each contactless transaction results in the generation of a unique security code, and reusing it is not possible.
  • Billed only once. Even if you accidentally tap your card against the reader more than once or need to tap again because it didn't go through the first time, you'll only be charged for one payment each transaction, regardless of how many times you tap your card.
  • Purchases of more than $100. If you end up making a purchase of more than $100, you can still tap your card to make a payment, but in such a scenario you will have to enter your PIN, and the merchant might ask you to sign a receipt. This is simply to offer increased protection for large value transactions.

If your CommBank credit or debit card is lost, stolen or used without your authorisation, contact Commonwealth Bank immediately on 13 22 21 to report the incident.

Compare Commonwealth Bank credit cards

What are the pros and cons of using PayPass?


  • Save time. Often times, seconds spent at a payment terminals seem like eternity, especially when you’re in a rush. Not having to swipe your card and enter your PIN can save time just about every time you shop. If most people start using contactless cards, it can also lead to shorter queues.
  • Difficult to copy. These cards come with embedded microchips that make copying information from your card rather difficult.
  • Information sharing. Contactless cards tend not to share information such as your name, your card number, and the card’s security code. Instead, each transaction comes with a unique security code generated through an encrypted secret key that is part of each microchip.


  • Misuse. Since the card does not require a PIN or a signature for payments of up to $100, you cannot rule out its misuse completely. This can happen if you don’t realise you’ve lost your card quickly enough, or even if someone you know wishes to use your card without your knowledge.
  • Acceptance. While contactless payments are extremely popular in Australia, some merchants may not have a contactless terminal.
  • $100 limit. While the $100 limit is in place for your security, you'll need to enter your PIN for any purchases larger than this amount.

Contactless payments are becoming more and more widespread in Australia. The convenience and security of Mastercard PayPass means that Commonwealth Bank Mastercard credit card users can make purchases quicker and safer than ever before. While these cards are protected by security technology and zero liability policies, it's important to keep your card safe and notify the bank as soon as possible if an unauthorised contactless payment is processed using your card.

Frequently asked questions

Images: Shutterstock

Back to top
Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

18 Responses

  1. Default Gravatar
    sharahMay 22, 2015

    Hi I am wanting to change the account that is connected to my card when I purchase on line? How do you do that? Thanks

    • finder Customer Care
      JonathanMay 25, 2015Staff

      Hi Sharah, thanks for your inquiry!

      Please refer to the link I have sent to your email for Commonwealth Bank’s contact details.



  2. Default Gravatar
    JessMay 8, 2015

    If for example: my phone bill was taken out of my account twice leaving me in negative money can I still use PayPass to buy food or something until my money is refunded?

    • finder Customer Care
      JonathanMay 8, 2015Staff

      Hi Jess, thanks for your inquiry!

      PayPass payments can only be made from funds that are available in the account, so the refunded amount would have to be actioned before any purchases could be made.



  3. Default Gravatar
    GregApril 30, 2015

    I have recently received my latest replacement (three year) low fee Visa credit cards in the mail. I did not request payWave, I do not want payWave, yet the new cards have payWave. Can I please return the cards (e.g. via my local Branch of the CBA) to get a version without payWave?

    Thank you.

    • finder Customer Care
      JonathanMay 1, 2015Staff

      Hi Greg, thanks for your inquiry!

      MasterCard® PayPass ™ and Visa payWave are standard features of credit cards. It would be best to contact CBA directly in regards to this inquiry. Please refer to the link I have sent to your email for these contact details.



  4. Default Gravatar
    AaronFebruary 25, 2015

    I have a new CBA Mastercard with Paypass and it debits from my Credit card account. Can I change the Account to one of the Linked accounts on the card?

    • finder Customer Care
      JonathanFebruary 25, 2015Staff

      Hi Aaron thanks for your inquiry!

      Generally the debit account is preset, with the linked accounts as additional accounts. It would be best to contact Commonwealth Bank in regards to this inquiry.



  5. Default Gravatar
    SomayehNovember 19, 2014

    I used to pay pass all the time I shopped. But my card stopped working with any card reader’s pay pass system. I mean I can’t pay pass any more. Is that possible that my card has some problems?

    • finder Customer Care
      ElizabethNovember 19, 2014Staff

      Hi Somayeh,

      Thanks for your question.

      There may be a problem with your card, so you will need to check with Commonwealth Bank directly. You can either visit a branch, give them a call, or you can replace a damaged card directly through NetBank.

      I hope this has helped.



  6. Default Gravatar
    RobinFebruary 24, 2014

    How can apply for a pay pass card?

    • finder Customer Care
      JacobFebruary 25, 2014Staff

      Hi, Robin.

      Thanks for getting in touch with us.

      All credit cards currently come with Visa PayPass or MasterCard PayPass functionality. So for purchases under $100, you’ll be able to tap and go to complete a transaction regardless of which credit card you choose.

      Next, please have a look at our best credit card comparison page. Use the table functionality to compare credit cards. If you would like more information about one of the products, you can read the review. You can also apply for one of the cards by clicking through to an application page from the card’s review page.

      I hope this helps.

  7. Default Gravatar
    jasmineJanuary 9, 2014

    Is there a limit on my paypass. It has stopped working?

    • finder Customer Care
      JacobJanuary 10, 2014Staff

      Hi, Jasmine.

      Paypass will work with transactions up to $100. You may also want to check your account balance to make sure that you still have available credit to complete the transaction.

      Thanks for your question.

  8. Default Gravatar
    ChrisD1991August 29, 2013

    Can I use paypass when my account is negative? I’ve heard you can and it doesn’t appear on my transactions list for a day or 2 but I don’t want to go into negative accidentally and get fees

    • finder Customer Care
      JacobAugust 29, 2013Staff

      Hi Chris.

      Yes, PayPass may still work and send your account over-limit. It depends on whether you have set a hard limit or soft limit on your credit card. For instance, some cards allow you to spend up to a certain amount over your credit limit, while other cards will not let you spend a dollar over your credit limit. If you’re spending on the card on a weekend, it may take a day or two before it shows on your transaction listing.

      Thanks for your question, let us know if you need more information on this topic.


  9. Default Gravatar
    MarkJuly 21, 2013

    What number do you enter when asked for 3 digit ccv?

Ask a question
Go to site