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Moving to Australia

Call +61 13 2221

Credit cards

You can apply for a credit card before you come to Australia to ensure you can pay for purchases when you arrive in the country.

We offer a pre-assessed MasterCard with a minimum credit limit of $1,000 to those who have confirmed employment in Australia and a confirmed Australian income of more than $50,000 per annum.

There are six credit card options:

Credit card type	Minimum limit	Commonwealth Awards	Annual fee
Gold Credit Card	$4,000	Yes	$114¹ or $144¹
Awards Credit Card	$1,000	Yes	$59¹ or $89¹
Low Rate Gold Credit Card	$4,000	No	$90¹ or $120¹
Low Rate Credit Card	$1,000	No	$48¹ or $78¹
Low Fee Gold Credit Card	$4,000	No	$0² or $90²
Low Fee Credit Card	$1,000	No	$0² or $24²

Notes:

¹The lower annual fee is payable if you hold a qualifying Commonwealth Bank account or loan at the time you apply for a new credit card.

²The annual fee will be waived in the first year if you hold a qualifying Commonwealth Bank account or loan at the time you apply for your Low Fee credit card and in subsequent years if you spend (purchases and cash advances only) at least $1,000 per annum.

How to apply for a credit card

Contact our International Customer Services team who will explain the offer and send you an application form. Complete the application and attach copies of the following documents to the form:

Passport, including visa (New Zealand passport holders do not require a visa)
Letter of employment (this must include your salary and length of employment)

The application form and accompanying documents can be faxed to +61 2 9151 8399 or emailed to ics@cba.com.au.

When you arrive in Australia, ask us about our Debit MasterCard, which gives you access to your money wherever MasterCard is accepted.

Important information

You need to be 18 years or over to apply for a credit card. Applications for credit cards are subject to the Bank’s normal credit approval. Full Conditions of Use will be included in the Letter of Offer. Other fees and charges are payable.
As this advice has been prepared without considering your objectives, financial situation or needs, you should before acting on this advice, consider its appropriateness to your circumstances. If you have a complaint, the Bank’s dispute resolution process can be accessed on 13 2221. Terms and Conditions issued by Commonwealth Bank of Australia for Debit MasterCard are available by calling 13 2221, from commbank.com.au or from any branch of the Bank.