Tap and pay

You can use your chipped Keycard to make eftpos contactless payments. It’s a fast, and secure way to pay - ideal for everyday purchases.

Instantaneous payments

Make an eftpos  transaction with your Keycard and the amount is immediately deducted from your account balance so you always know what’s in your account.

Cash out, easily

Get cash out when you’re paying for your weekly groceries or at any of our  ATMs across Australia (tap cheque or savings).

Access money, worldwide

Withdraw your money at ATMs, anywhere Cirrus® is accepted worldwide.

Backed by our 100% Security Guarantee

Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more.

How to get a Keycard

Simply contact us or drop into your nearest branch and we will help you with your order. 

If you need to pay for things online or set up recurring payments, a Debit Mastercard® may be a better option for you.

Tell me more about the Debit Mastercard

Woman in store paying with keycard

Eligibility criteria

Eligibility criteria for the product:

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

  • Be individual;
  • Have an Australian residential address; and
  • Have an eligible CBA transaction account to which the card will be linked.

Activate your Keycard 

CommBank app

  1. Log on to the CommBank app
  2. Tap Cards
  3. Choose Keycard
  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

Greater control

Set a cash withdrawal limit

If you’re concerned about over-spending or have a tight budget and don’t want to stray off track, you can set a daily withdrawal limit on your Keycard – up to $2,000.

Change your PIN: CommBank app

  1. Log on securely in the CommBank app
  2. Tap Cards  then Keycard
  3. Choose your new PIN.

Change your PIN: NetBank

  1. Log on securely to NetBank
  2. Select your card
  3. Choose your new PIN.
Keycard - man on phone
Keycard - lady in supermarket


Does my Keycard have a daily withdrawal limit?

Keycards issued since 28th July 2008, have a withdrawal limit of $1,000. The daily withdrawal limit applies to cash withdrawals only, and does not apply to purchase transactions. You can change your daily card withdrawal limit (up to $2,000) in NetBank and the CommBank app.
Note: Withdrawal limits are per card and per calendar day (Sydney / Melbourne time) and Keycards are restricted to a maximum daily card limit of AUD$2,000 per day. If your account is linked to two cards e.g. Keycard and a Debit Mastercard, you can withdraw up to each daily withdrawal limit per card per day.

Is my Keycard secure?

The embedded microchip adds security. It makes it more difficult to skim and fraudulently copy your card details. Plus, our 100% money back guarantee means you will never be liable for fraudulent use of your card, provided our Terms and Conditions are followed.

Things you should know

A Keycard doesn’t enable you to make purchases online.

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

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 and Cirrus are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.