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"This credit card paid for my Bose headphones. Not only does it have a high earn rate, but it is accepted in many places where Amex is not. Plus, if you have a CommBank home loan, the annual fee is covered, making this card a no-brainer to use."
Commonwealth Bank was a big winner in the 2026 Finder Awards.
Full list of 2026 credit cards winners
CommBank credit cards all come with their own set of features, but let's take a look at some of the key benefits you can get:
CommBank Yello Cashback Offers is a complimentary loyalty program available to anyone over 18 who has the CommBank app and an eligible Mastercard credit card or debit card. It gives you access to cashback offers through the CommBank app, which also includes a tracking tool so you can see how much cash you have got back.
While offer details vary (because they are personalised), you'll typically earn cashback by spending a set amount of money at a partner store or stores. Some examples include spending $50 at Caltex and getting $5 back, spending $100 at Myer and getting $15 back or spending $100 at Menulog and getting $10 back. When you meet the offer requirements, the cashback will be added to your account within 5–14 business days.
The CommBank app gives you a simple way to check your account details and lets you lock, block and limit certain transactions. It's also where you'll see CommBank Yello Cashback Offers and other details about your account.
Commonwealth Bank credit cards give you a way to make cardless payments with an eligible smartphone or other device, including fitness trackers if you get a personal credit card. So you can add your card to the following services:
If you get a new CommBank Smart or Ultimate credit card, you'll get access to international travel insurance. This insurance is provided by XCover. Eligibility requirements, terms and conditions and exclusions apply, so make sure you check Commonwealth Bank Credit Card Insurances product disclosure statement for all of the details.
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
If you want to compare CommBank credit cards to those from other lenders, you could consider the other Big Banks in Australia:
The CommBank Discover Card will be a premium points-earning charge card with no international transaction fee.
A level up from the CommBank Awards Credit Card, this card offers international travel insurance and airport lounge access. Compare its other features here.
One of the few no interest credit cards on the market, the CommBank Neo has a monthly fee instead. Find out more in our comprehensive review.
With up to 100,000 CommBank Yello points and up to $600 in Travel Credits, plus 0% foreign transaction fees, is CommBank Ultimate right for you?
CommBank Awards is one of the largest credit card rewards programs in Australia, so how much value can you get?
Simplify your account management and reward your business spending with points.
The Commonwealth Bank Business Low Rate card offers a competitive interest rate on purchases and no annual fee, plus no additional cardholder fee.
Compare the eligible Commonwealth Bank Awards credit cards that earn Qantas Points.
The CommBank Low Fee credit card offers savings through cashback and the ongoing monthly fee waiver when you meet the spend requirements.
The CommBank Low Rate Card offers up to $420 cashback and a $6 monthly fee (or $72 per year) and SurePay Instalment Plan.
