Business credit cards

¹ If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee for that statement period. We may process transactions later than the day you originally made them. This is when your transaction is no longer a pending transaction and has been fully processed by us.

² Eligibility criteria applies.  

³ View our Certificate of Transit Accident Insurance (PDF 108KB) and Certificate of Unauthorised Transactions Insurance (PDF 619KB).

⁴ How you earn or redeem CommBank Awards Points will be subject to the CommBank Awards Program Terms and Conditions (PDF 1.5MB). You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). Awards and the number of points required for Awards are subject to change at any time without notice. If you opt-in to earn Qantas Points, your CommBank Awards Points earnt each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at the rate of 2.5 CommBank Awards Points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement.

⁵ This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, join for free. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

⁶ International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period when you spend at least $500 on a single prepaid travel transaction using your eligible credit card account. You will need to activate your travel insurance for each trip in order to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points, or Travel Booking travel credits. You will need to provide a copy of the letter/statement/email confirming the redemption, or a screenshot of the Travel Booking confirmation with the payment method. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), benefit limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet (PDF 4.5MB) for full conditions. Insurance products listed are 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). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. More information can be found at commbank.com.au/travelinsuranceincluded.​

⁷ Annual fee depends on number of cards.

Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124, Australian credit licence 234945.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in our current Terms and Conditions for Business Financeas well as any other terms set out in our Letter of Offer. Bank fees and charges may apply. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. View our Financial Services Guide (PDF 59KB).

View Terms and Conditions for Electronic Banking (PDF 135KB), NetBank and CommBiz (PDF 325KB) and consider them before making any decision about these products.  View our Certificate of Transit Accident Insurance (PDF 108KB) and Certificate of Unauthorised Transactions Insurance (PDF 619KB). View our Credit Card Conditions of Use (PDF 506KB).

The CommBank Neo Business card, Low Rate credit card, Interest-Free Days credit card, Business Awards credit card and Business Platinum Awards credit card are personal liability business credit cards. By applying, you (the individual that is applying for a Business credit card) acknowledge that the business credit card you are applying for provides for personal liability. We will look to you (and no any company, partnership or other business entity that may employ or engage you) to recover all amounts charged using the Business credit card, including any amounts charged by an additional cardholder.

The Corporate Interest-Free Days card, Corporate Low Rate card and Corporate charge card are business liability cards. Business liability means the business, not an individual, is liable for all transactions made on the cards.