Features & benefits

Worldwide access to your money

  • Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted
  • Make purchases online and over the phone using your own money


  • Secure internet shopping with NetCode
  • NetCode authorises certain online transactions or activities, including some purchases on websites supported by Mastercard SecureCode™
  • NetCode offers greater security when you shop online with a secure single-use one-time password

More ways to pay

Use the CommBank app to tap and pay, or choose from our range of digital wallets:

Simply link your eligible CommBank debit or credit card to your digital wallet to get started.

Customer using Apple Pay

How to get a Debit Mastercard

You can choose to get a Debit Mastercard when you open one of the following accounts. If you already have one of these accounts but don’t have a Debit Mastercard, you may be able to upgrade to one.

Everyday Account Smart Access

The bank account that provides flexible access with more ways to pay

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Pensioner Security Account

A flexible account that keeps your retirement savings or pension income safe and working for you.

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Cash Investment Account

Manage your SMSF cash account and investments in the one online hub

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Want to upgrade to a Debit Mastercard?

You can usually upgrade to a Debit Mastercard if you’re already:

  • Using a Keycard linked to an Everyday account, Pensioner Security or Cash Investment account
  • Registered for NetBank

Log into NetBank to upgrade or register for NetBank here.

Lady paying in shop

Activate your Debit Mastercard

CommBank app

  1. Log on to the CommBank app
  2. Tap Cards
  3. Choose Debit Mastercard
  4. Tap Activate then set a PIN

Watch how to activate, cancel or order a replacement card in the CommBank app (opens video in YouTube).


  1. Click on the 'Activate in NetBank' button below
  2. Log on to NetBank
  3. Enter the last 4 digits from your new card
  4. Set a PIN

Watch how to activate, cancel or order a replacement card in NetBank (opens video in YouTube).

Activate in NetBank

Things you should know

The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please read our Financial Services Guide (PDF)Full terms and conditions for the transaction and savings accounts (PDF) mentioned and Electronic Banking are available here or from any CommBank branch.

Mastercard and Priceless are registered trademarks, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.