CommBank Credit Cards

As well as being one of the Big Four Banks, Commonwealth Bank is one of Australia's largest credit card issuers. It's range includes low rate, low fee and rewards cards, as well as business and corporate credit cards. Plus, any eligible CommBank Mastercard gives you access to cashback offers through the complimentary CommBank Rewards program.

Comparison of CommBank Credit Cards

• Personal Credit Cards
• Business Credit Cards

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Name	Product	Purchase rate p.a.	Interest-free period	Balance transfer rate p.a.	Annual fee
CommBank Ultimate Awards Credit Card with Qantas Points		20.24%	Up to 55 days on purchases	5.99% for 5 months	$450	Receive 70,000 bonus Qantas Points when you spend $5,000 in the first 90 days. Plus, 0% foreign fees.	More Info	Compare	loading Fetching your data...
CommBank Low Rate Credit Card		0% for 18 months, reverts to 13.24%	Up to 55 days on purchases	5.99% for 5 months	$59	Save with 0% p.a. interest rate on purchases for 18 months. Plus, $100 cashback when you spend $1,000 in the first 90 days.	More Info	Compare	loading Fetching your data...
CommBank Low Fee Credit Card		19.74%	Up to 55 days on purchases	5.99% for 5 months	$0 for the first year ($29 thereafter)	Get $200 cashback when you spend $1,000 in 90 days. Plus, ongoing annual fee waiver if you spend at least $1,000 in the previous year.	More Info	Compare	loading Fetching your data...
CommBank Low Fee Gold Credit Card		19.74%	Up to 55 days on purchases	5.99% for 5 months	$0 for the first year ($89 thereafter)	Save with an ongoing annual fee waiver when you meet the spend requirement. Plus, $300 cashback when you spend $1,500 in the first 90 days.	More Info	Compare	loading Fetching your data...
CommBank Low Rate Gold Credit Card		13.24%	Up to 55 days on purchases	5.99% for 5 months	$89	Keep interest costs low with a 13.24% p.a. purchase interest rate. Plus, access to complimentary insurance covers.	More Info	Compare	loading Fetching your data...
CommBank Platinum Awards Credit Card		20.24%	Up to 55 days on purchases	5.99% for 5 months	$249	Get 80,000 bonus Awards points or 50,000 Qantas Points when you spend $4,000 in the first 90 days. Plus, included insurance covers.	More Info	Compare	loading Fetching your data...
CommBank Awards Credit Card		20.24%	Up to 55 days on purchases	5.99% for 5 months	$59	Earn 1 Awards point per $1 spent up to 50,000 points per year. Plus, access to Priceless Cities.	More Info	Compare	loading Fetching your data...
CommBank Diamond Awards Credit Card		20.24%	Up to 55 days on purchases	5.99% for 5 months	$349	Get 100,000 bonus Awards points or 70,000 Qantas Points when you spend $5,000 in the first 90 days. Plus, international travel insurance and Mastercard Traveler Rewards.	More Info	Compare	loading Fetching your data...
CommBank Essentials Credit Card		9.9%	Up to 55 days on purchases		$60	Save with a low 9.9% p.a. interest rate on purchases. Plus, add an additional cardholder for $0.	More Info	Compare	loading Fetching your data...
CommBank Ultimate Awards Credit Card		20.24%	Up to 55 days on purchases	5.99% for 5 months	$420	Earn 100,000 bonus Awards points when you spend $5,000 in the first 90 days. Plus, 0% foreign fees.	More Info	Compare	loading Fetching your data...
CommBank Neo Card		0%			$0	Borrow up to $3,000 with no interest charges - just a monthly fee that depends on your credit limit. Plus, 0% foreign transaction fees.	More Info	Compare	loading Fetching your data...

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Name	Product	Bonus points	Rewards program	Rewards points per $ spent	Purchase rate p.a.	Annual fee
CommBank Business Interest-Free Days Credit Card		N/A			17.57%	$60	Receive up to 55 days interest-free on purchases and integrate your online accounting software with your credit card transactions.	More Info	Compare	loading Fetching your data...
CommBank Business Awards Credit Card		N/A	CommBank Awards Program	1	20.74%	$100	Earn 1 Awards point per $1 spent, easily integrate your online accounting software, plus receive complimentary Transit Accident Insurance.	More Info	Compare	loading Fetching your data...
CommBank Business Platinum Awards Credit Card		80,000	CommBank Awards Program	1	20.74%	$300	Earn 80,000 bonus Awards points or 50,000 Qantas Points when you spend $4,000 in the first 90 days. Plus, an unsecured limit of up to $50,000.	More Info	Compare	loading Fetching your data...
CommBank Business Low Rate Credit Card		N/A	N/A		14.55%	$0	Save on your business credit card costs with an ongoing $0 annual fee and 14.55% p.a. interest rate on purchases and cash advances.	More Info	Compare	loading Fetching your data...
CommBank Neo Business interest-free card		N/A	N/A		0%	$0	Get up to $3,000 credit limit with 0% interest charges and no late payment fees.	More Info	Compare	loading Fetching your data...
CommBank Corporate Low Rate Credit Card		N/A	N/A		14.55%	$40	Designed for businesses looking to pay down large purchases over time with flexible payment options and customised controls.	More Info	Compare	loading Fetching your data...
CommBank Corporate Charge Card		N/A			0%	$40	Designed for large organisations with significant expenses and reduces processing costs with electronic reporting and management.	More Info	Compare	loading Fetching your data...

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Types of credit cards from Commonwealth Bank

• CommBank low rate credit cards

Across CommBank's low rate credit card options, the interest rates for purchases range from 9.9% p.a. on the Commonwealth Bank Essentials card and 13.24% p.a. on both the Commonwealth Bank Low Rate and Commonwealth Bank Low Rate Gold credit cards. These rates are lower than the average standard credit card rate in Australia (currently 19.94%) and are competitive with other low rate options.

• CommBank low fee credit cards

CommBank offers 2 low fee cards: the Low Fee credit card and Low Fee Gold credit card. Both of these cards offer a $0 annual fee in the first year and have competitive annual fees after that. You can also get the annual fee waived in following years when you meet a spend requirement on one of these cards.

• CommBank Awards credit cards

A CommBank Awards credit card offers you points per $1 on your eligible spending – which covers most everyday shopping, dining out and travel bookings. You can redeem these points for rewards including travel, cashback on your account and to pay for purchases with Myer and Flight Centre. You can also transfer points to partnered frequent flyer programs, including Qantas Frequent Flyer and Velocity Frequent Flyer. Finder's guide to the CommonBank Awards program gives you all the details.

CommBank Rewards credit cards sometimes have introductory bonus point offers that can boost your reward balance when you get a new card and meet the spend requirements.

• CommBank no interest credit card

The CommBank Neo Card doesn't charge any interest – instead it has a monthly fee of $12, $18 or $22 that's based on your credit limit. If you don't use the card or carry a balance, the monthly fee is also waived. It also gives you access to CommBank Rewards offers and can be used anywhere Mastercard is accepted.

• CommBank small business credit cards

The range of CBA credit cards for small businesses include low rate, interest-free days and Awards options. There is also a CommBank Neo Business Card that charges no interest and a monthly fee instead.

Benefits of getting a Commonwealth Bank credit card

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 Rewards – cashback loyalty program

CommBank Rewards is a complimentary loyalty program available to anyone over 21 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.

• CommBank app

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 Rewards offers and other details about your account.

• Mobile contactless payments

Commonwealth Bank credit cards are as convenient as it gets when it comes to cardless payments. You can use your eligible smartphone or wearable to make contactless payments. You can also pay with your eligible fitness tracker except on business cards.

• Commonwealth Bank included travel insurance policy

You can save on necessary costs and travel with peace of mind thanks to Commonwealth Bank's included insurance policies. The insurance is provided by Zurich Australian Insurance Ltd and is available with the Commonwealth Bank Low Rate Gold, Low Fee Gold, Platinum Awards and Diamond Awards credit cards. Eligibility requirements, terms and conditions and exclusions apply, so make sure to see the Commonwealth Bank Credit Card Insurances product disclosure statement for all of the details.

• Mastercard benefits

As well as worldwide acceptance, you can look forward to a bunch of Mastercard perks with your Commonwealth Bank credit card. Mastercard Priceless Cities provides access to experiences and events in cities across the globe. For transactions under $100, you can use your card to make contactless payments thanks to Mastercard PayPass. If your card is used for fraudulent transactions, purchases will also be protected by Mastercard Zero Liability cover.

Eligibility criteria

Before you apply for a CommBank credit card, you'll need to check you meet the eligibility requirements. Each card has its own set of details, but include:

• Age. You must be at least 18 years of age to apply for a credit card in Australia.
• Residency status. You must provide details of your Australian citizenship, residency or visa status. The requirements vary between cards, and some additional conditions may apply for temporary residents. To make sure you're eligible, check the specific conditions for the credit card before you apply.
• Credit history. Your credit history must be in good standing.

How long does it take to apply?

It takes around 20 minutes to apply for a CommBank credit card online if you have all the details you need on hand.

Information and documents you need for the application

CommBank credit card applications ask you for a mix of general details and information about your financial situation. This includes:

• Personal information. Your full name, current residential address, email address, contact phone numbers and date of birth. If you're not set up on NetBank, you'll also need to provide a valid form of photo ID, such as your passport or driver's licence.
• Financial information. Your income and assets such as savings, property and investments. Plus details about any current credit cards, loans or debts, as well as ongoing expenses like child support, rent, mortgage repayments, or anything else that is considered a regular, essential cost. You also need to upload proof of income, such as recent payslips, bank statements or your most recent tax assessment notice from the Australian Taxation Office.
• Details if you're not an Australian permanent resident. Your visa details, including the type of visa and expiry date.

Card details

Depending on which CommBank credit card you apply for, you could be asked about the following details when you apply:

• Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that CommBank will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
• Balance transfer information. If you want to transfer a balance to a CommBank credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB. Remember to take note of the interest rate that applies to the balance transfer, as well as any promotional and ongoing details.

What happens after you apply?

You'll be contacted by CommBank if it needs any more details to process the application. If you're set up with NetBank, you can check your application status at any time by going to the "Offers & Application" section. You can also call CommBank on 13 22 21.

Frequently asked questions

• Do my Commonwealth Bank Awards points expire?

  Commonwealth Bank Awards do not expire, as long as you are a member of the program. If you close your CommBank Awards credit card account, you'll have 3 months to use your points before they expire.

• How do I earn Commonwealth Bank Awards points?

  If you have a Commonwealth Bank Awards credit card, you earn Commonwealth Bank Awards points when you make an eligible purchase. Eligible purchases include everyday transactions such as buying your groceries or filling your car up with petrol. Points are not awarded for cash transactions including cash advances, paying government fees and charges, and credit card fees and charges.

• What's the difference between CommBank Rewards and CommBank Awards?

  CommBank Rewards is a loyalty program available to eligible credit card and debit card customers who have the CommBank app.

  CommBank Awards is a credit card loyalty program that offers eligible credit card customers points per $1 spent. If you have a CommBank Awards credit card, you'll have access to both programs.

• How can I get CommBank Rewards cashback offers?

  You'll get access to CommBank Rewards offers if you're over 21 years of age and have an eligible CommBank Mastercard. This includes personal debit card, credit card and business credit card accounts that are not in default. It excludes prepaid cards (including the Travel Money card), corporate credit cards and business debit cards.

  You can use the steps below to view and activate CommBank Rewards offers through the CommBank app:

  1. Log in to the CommBank app.
  2. Go to "Products & Offers", then select "CommBank Rewards".
  3. Browse the current offers and click on the "Activate" button to claim the offer.
  4. Use your eligible card to meet the spend requirements at participating stores. Note that you need to tap or select credit when you use your card.

• Does the annual or monthly fee collect interest?

  The annual or monthly fee is charged to your credit card and added to your account balance. So if you don't repay your balance in full by the end of the statement period, interest will be applied to the remaining balance – which could include the cost of the monthly or annual fee.

• How do I transfer a balance to a Commonwealth Bank credit card?

  If you want to take advantage of a Commonwealth Bank balance transfer offer, you can include a request to transfer the balance when you apply for the credit card online. There’s a section in the application that asks you if you want to carry out a balance transfer. If you select "yes", you will be asked to enter details including the name of the financial institution you want to transfer a balance from, the card number of the accounts and the amount you want to transfer from each eligible account.

  You can request a balance transfer from personal Australian credit cards or store cards, with a minimum transfer amount of $500. This request is subject to approval. Note that you won't be able to get a balance transfer on a CommBank Essentials or CommBank Neo card, as they do not offer this feature.

• How do I close my Commonwealth Bank credit card account?

  You can close your CommBank credit card account through the CommBank app or NetBank in the card management or account section. Choose the "Close account" option and then follow the prompts.

  Just keep in mind that you'll need to pay the total amount owing on the card – including any interest or fees – before you can fully close the account. You should also check that there are no pending transactions. You can also cancel your card or discuss your account by calling Commonwealth Bank on 13 22 21 or by visiting a Commonwealth Bank branch.

• What do I need to do before travelling overseas with my Commonwealth Bank credit card?

  Before you leave for your holiday, make sure you've covered all of these bases:

  • Make sure you know your PIN. Many places require PIN verification rather than a signature, so you should make sure you have set up and memorised the PIN for your CBA card.
  • Tell CommBank you are travelling overseas. Before your travel overseas, log in to Netbank and let CommBank know your plans. This will help protect your account security while you're away.
  • Activate your travel insurance. If your Commonwealth Bank credit card offers included travel insurance, make sure you activate your policy through NetBank before you leave. If you need to make a claim, call +61 2 8907 5641.
  • Take note of the emergency contact details. When you're overseas, you can lock, block or limit transactions on your Commonwealth Bank credit card through NetBank or the CommBank app. You can also cancel the card and request a new one. If you want to speak to someone from Commonwealth Bank when you're overseas, call +61 2 9999 3283.

Important links and details

• CommBank customer service: 13 22 21
  Hours: 8am-7pm Mon-Fri, 9am-2pm Sat (AEDT)
• CommBank Awards program
• CommBank personal loans
• CommBank home loans
• CommBank savings and bank accounts