Activate your new card in moments

CommBank app

  1. Log on to the CommBank app
  2. Go to Cards 
  3. Select your new card
  4. Simply Activate and choose a PIN


  1. Click on the 'Activate in NetBank' button below
  2. Log on to NetBank
  3. Simply Activate and choose a PIN

Activate your new card in the CommBank app or NetBank, call us on 13 2221, or visit any CommBank branch. You’ll keep the same account number and BSB, so you can continue to see all your past transactions in NetBank and the CommBank app.

Activate in NetBank

Enjoy exclusive overseas travel benefits

Save money on overseas transaction fees

Use your World Debit Mastercard to access your own money instore or online and to withdraw local currency at millions of locations worldwide.
You’ll enjoy:

  • No CommBank fees on overseas ATM withdrawals1
  • No CommBank fees on purchases made at overseas merchants both in-store and online1

Two complimentary airport lounge passes2

Make your airport experience one of indulgence with Mastercard Airport Experiences provided by LoungeKey. As the cardholder, you’ll receive two complimentary airport lounge visits, which can be shared with an accompanying guest, per year. You’ll also get membership to over 1000 lounges worldwide and dining, spa & retail offers from selected airport merchants.

To search participating lounges or explore dining, spa and retail offers, sign up for a user account on or Mastercard Airport Experiences mobile app. Use your account to generate your digital lounge access code, view your benefit entitlements, visit history, generate offer codes and more.

To access participating lounges simply present your World Debit Mastercard or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member.

To redeem offers, select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer.

Find out more

Exclusive Offers

Access to exclusive dining, entertainment, shopping and travel offers and discounts, both local and international, through Mastercard Priceless® Specials.

Discover current offers

We've got you covered

Included international travel insurance for you and your family3

Travel with peace of mind knowing you, your spouse and eligible accompanied children have a comprehensive level of cover for up to 21 days every trip. Simply activate your cover before each trip to get these inclusions:

  • Overseas medical expenses
  • Stolen, lost, damaged or delayed baggage
  • Trip cancellation
  • Rental vehicle insurance excess cover
  • Travel documents, transaction cards, travellers cheques and cash
  • And more

Have the flexibility to choose from a range of upgrades3 if you need extra cover for things like existing medical conditions, longer trips or adventurous activities.

You can activate your cover in NetBank or the CommBank App or call Cover-More on 1300 467 951. Once activated, your Certificate of Insurance will be emailed to you instantly.

Find out more

Extra cover3 for your purchases

Price Guarantee – You can claim the price difference if your purchase is advertised for less.

Purchase Security – We’ll repair or replace some goods if lost, stolen or damaged within the first 90 days.

Extended Warranty – Up to one year’s extra warranty on most purchases, on top of the manufacturer’s standard Australian warranty.

Rates & fees

Other fees may apply so please refer to the World Debit Mastercard Terms and Conditions.

Rates & fees
Monthly card fee
A fee charged for the card
Access fee
This fee is charged by CommBank when you withdraw or make purchases outside of Australia
International purchases, that is, purchases made :
  • Overseas
  • In Australia (for example online), where the merchant is located overseas or the financial institution is entity processing the transaction is located overseas
When you take out money at :
  • ASB Bank ATMs in New Zealand
  • CommBank ATMs outside Australia
Any other ATM withdrawal overseas
Any other cash withdrawals overseas
This includes over-the-counter cash withdrawals
$5 plus 3% of transaction value

Mobile payments & wearables

Secure, cashless payments are possible using your compatible phone or wearable4. Now you can make fast and secure payments with Apple Pay.

If you previously set up Apple Pay, Google Pay or Samsung Pay on your old Debit Mastercard, make sure you update this with your new World Debit card.

Discover more

Customer using Apple Pay

Emergency support

Lock your card in the CommBank app

If your card is misplaced, lost or stolen, you can place a temporary lock on it or cancel it and order another. 

Show me how

Mastercard Global Service™

Wherever you are overseas, your card-related emergency service is just a free call away, and can help you with:

  • Lost or stolen cards
  • Emergency replacement cards5
  • Emergency cash advances5
  • Mastercard ATM locations
  • Account related information and much more

Free call for assistance on +1 636 722 7111 or go to for more information.

Helpful tips

What if I have other accounts linked to my card?

Any CommBank accounts you've linked to your card will be automatically linked to your new World Debit Mastercard when you activate it.

What happens to my direct debits?

  • You'll keep the same account number and BSB when you upgrade, so if your direct debits are attached to your account number, you don’t need to do anything
  • If you've set up direct debits on your previous card, simply switch them over to your new card. Our switching service can help you get started or simply contact your merchant

Things you should know

1 Commonwealth Bank of Australia does not charge you a fee when you withdraw funds from international ATMs, make in-store purchases overseas or shop online at international merchants using your World Debit Mastercard. Third party providers may charge you a separate fee for their services (which is not waived by us).

2 Only two complimentary visits (including accompanying guest) per cardholder in each calendar year. Excess visits are charged directly to your World Debit Mastercard as per the prevailing rates. Offers vary by location, see or app for more details. Cardholder must identify themselves as LoungeKey member prior to accessing lounge. When visiting a lounge, a pre-authorization will be performed as a means to authenticate your World Debit Mastercard has not been reported as lost, stolen or cancelled. This will mean a hold of USD$32 per visit per person will be placed to confirm your card is eligible and released 3-5 days from visit if your visits are complimentary. If you do not have any complimentary visits available to you, you will be charged the prevailing lounge visit fee within 3-5 working days. Customers may also access selected premium lounges for an additional upgrade fee. For a full list of the Terms and Conditions of Use, Frequently Asked Questions, visit

3 Full terms and conditions are set out in the World Debit Mastercard Insurances Product Disclosure Statement and Information Booklet located here. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. Upgrades must be applied for and require an extra premium which is not covered by the World Debit Mastercard Travel Insurance.  

Insurance is issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). Restrictions, exclusions (including existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances.

4 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.

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

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.

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. 

5 Only available with the issuing bank’s approval.

As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on this advice, consider its appropriateness to your circumstances. The World Debit Mastercard Terms and Conditions and the CommBank Transaction, Savings and Investment Account Terms and Conditions should be considered before making any decision about this product. View our Financial Services Guide. Go to for the CommBank app terms and conditions. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. © 2019 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945