Features & benefits


Access to your money

Make purchases in-store or online using your own money. Plus, withdraw local currency at millions of locations, everyday Mastercard is accepted.


Flexible everyday banking

Stay in control of your money with 24/7 access to personalised tools and features with the CommBank app.


Contactless payments

Discover more ways to pay with CommBank Tap & Pay, or choose from a range of compatible digital wallets and wearables1.


Security

Shop with greater security using NetCode - a quick and simple one-time use code sent to your mobile phone by push notification or SMS3.

Save on everyday spending

Eligible CommBank Yello customers can earn CommBank Yello points through eligible products, shopping with brands you love and key banking milestones. Redeem CommBank Yello point cross shopping, travel, gift cards and more, plus, enjoy exclusive offers, discounts and presale access to some of the best events and experiences.*

Discover CommBank Yello

CommBank Yello

Who can apply

To hold a Debit Mastercard, you must:

  • Be an individual;
  • Be aged at least 14 years, or aged 9 to 13 years with parent or guardian consent to operate on the account;
  • Have an Australian residential address, or be moving to Australia in the near future; and
  • Have an eligible CommBank transaction account to link your Debit Mastercard

How to apply

You can choose to get a Debit Mastercard when you open one of these eligible CommBank transaction accounts:

Everyday Account Smart Access

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

Discover Smart Access

Pensioner Security Account

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

Discover Pensioner Security

Streamline Basic

An everyday bank account for health care or pensioner concession card holders.

Discover Streamline Basic

Everyday Offset

The account that makes your money work harder by saving on interest and paying off your home loan sooner.

Discover Everyday Offset

Already an existing CommBank customer?


Looking to open a bank account for your child?

  • If you are a parent or guardian of a child under 14, you can open a Smart Access Account for Youth and have the option to add a Debit Mastercard with full parental controls. 

Activate your card

CommBank app

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

NetBank

  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

Rates & fees

For full information about rates & fees, please refer to the terms and conditions of our Transaction, Savings and Investment Accounts (PDF).

Fee type
Rates & Fees
Conditions
Monthly card fee
$0
Access fee
3.5% of transaction value
When you make an international purchase – i.e. purchases made overseas or in Australia where the merchant is located overseas or the financial institution or entity processing the transaction is located overseas
ATM withdrawals
$0
When you withdraw money at a CommBank ATM – Australia’s largest bank-owned ATM network
$2
When you withdraw money at an ASB Bank ATM in New Zealand or CommBank ATM outside Australia
$5 plus 3.5% of transaction value
When you withdraw money at any other ATM overseas

Already have a Debit Mastercard?

Unlock a world of benefits by upgrading to a World Debit Mastercard2. Eligible CommBank Yello customers can earn CommBank Yello points earn on eligible domestic and international spend, plus $0 international transaction fees and exclusive travel benefits4.

You may be eligible to upgrade to a World Debit Mastercard if you have an existing Debit Mastercard linked to an eligible CommBank transaction account by switching online.
 

Discover more

Things you should know

1 Samsung Pay and Google Pay are free to download however your mobile network provider may charge you for accessing data on your phone. 

2 Bank fees & charges apply. For full information, visit the World Debit Mastercard page.

3 NetCode authorises certain online transactions or activities, including some purchases on websites supported by Mastercard SecureCode™ or eftpos.

4 Eligible World Debit Mastercard holders can earn 0.5 CommBank Yello points per $1 spent on eligible domestic purchases (up to 750 points per month) and up to 1.5 CommBank Yello points per $1 spent on eligible international purchases.

Eligibility is typically assessed at the beginning of each month. To qualify for points, you must:

  • hold an active World Debit Mastercard linked to an eligible transaction account*; and

  • be assessed as a CommBank Yello Plus, Gold or Diamond customer at that time.

*Eligible transaction accounts include

  • Smart Access,

  • Everyday Offset,

  • Pensioner Security Account,

  • Private Bank Account, and

  • Complete Access.

For more information visit commbank.com.au/commbankyello and World Debit Mastercard.

* Ongoing eligibility conditions apply for CommBank Yello. Eligibility is typically assessed at the beginning of each calendar month based on your activity in the previous calendar month. The exact date we complete the assessment and update your eligibility may vary. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello.

There may be tax implications associated with participating in CommBank Yello (such as earning Points, redeeming Rewards, receiving Benefits, or winning prizes). For some information on potential tax implications, please check out our FAQs available at commbank.com.au/commbank-yello/faqs or seek independent advice from your accountant or tax adviser.

To opt out of CommBank Yello and stop receiving Benefits, go to the CommBank Yello Hub in the CommBank app, or visit your local branch. You may continue to receive messages about CommBank Yello generally. Opting out doesn't opt you out of marketing communications or CommBank Yello for Business. Information is handled in accordance with our Group Privacy Statement, the CommBank Yello Program terms and conditions, and the CommBank Yello Privacy Collection Notice.

The target market for these products will be found within the product’s Target Market Determination.

Google Pay is currently available for Android running 5.0 (Lollipop) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support. Full terms and conditions available on the Google Pay app. Google Pay is a trademark of Google LLC.

Samsung Pay is available on Samsung Galaxy S6 and above, Note5, Note8, A5, A7, J5 Pro and J7 Pro phones and Samsung Gear S2 and above and Sport wearables. Full terms and conditions available on the Samsung Pay app. Samsung Pay is a trademark of Samsung Inc.

Apple, the Apple logo, Apple Pay, Apple Watch, MacBook Pro, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

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 are available here or from any CommBank branch. Full terms and conditions for Electronic Banking are available here.

Mastercard, the Mastercard brand mark and Tap & go are registered trademarks of Mastercard International Incorporated.