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

Mastercard Tap & go™

  • Tap & go gives you the option of making purchases under $100 at participating merchants without having to provide a signature or PIN
  • Just tap your card or eligible digital wallet on the reader and go
  • Get cash out at the same time you Tap & Pay by choosing SAV on your Android device.


  • 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 wallets3:

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

Customer using Apple Pay

Eligibility criteria

Eligibility criteria for the product:

To hold a Debit Mastercard, you will need to satisfy certain eligibility criteria, including that you must: 

  • Be individual;
  • Be aged 14 years or older, or aged 9 – 13 years with parent/guardian permission to operate account;
  • Have an Australian residential address, or be moving to Australia in the near future; and
  • Have an eligible CBA transaction account to which the card will be linked.

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

Tell me more

Pensioner Security Account

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

Tell me more

Cash Investment Account

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

Tell me more

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

1CommBank rewards are only eligible at participating store locations. Check the ‘participating stores’ section of your reward on the app for more information. You must spend the required minimum amount in one transaction to be eligible for cashback.

2We'll show you rewards if you have an eligible CBA credit or debit Mastercard, Business credit card or StepPay digital card, are over 18 and have an Australian home address. We’ll stop sending you rewards if you opt out in the feature.

3Samsung Pay and Google Pay are free to download however your mobile network provider may charge you for accessing data on your phone. 

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

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.