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 4,000 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

With some of our bank accounts, we send you a Debit Mastercard. If you’d prefer a Keycard, contact us or drop into your nearest branch and we’ll order one for you.

Got a joint account? You can still order a Keycard even if your other account holder prefers to use a Debit Mastercard.

If you need to pay for things online or set up direct debit or recurring payments, a Debit Mastercard is a better option for you.

Tell me more about the Debit Mastercard

Woman in store paying with keycard

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


  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.

Activate in NetBank

Greater control

Set a spending 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 spending 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 spending limit?

Keycards issued since 28th July 2008, have a withdrawal limit of $1,000. The daily withdrawal limit applies to all cash withdrawals and purchases you make when you enter a PIN through ATMs, EFTPOS overseas using Maestro/Cirrus, Mastercard and Visa Plus networks, Australia Post offices and other agencies. 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 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 view our Financial Services Guide (PDF 68KB). Full terms and conditions for the transaction and savings accounts (PDF 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.