Business credit cards

Designed for businesses looking for a competitive interest rate or interest-free period. 

CommBank Neo Business card

CommBank Neo Business card

  • No interest fees, no late fees
  • Simple monthly fee of $12, $18 or $22, depending on your limit. If you don’t use your card and pay your total balance owing in full, you won't be charged the monthly fee1
  • No foreign exchange fees, no additional cardholder fees
  • A choice of three credit limits; $1,000, $2,000 or $3,000
  • Share spend data automatically with Xero or MYOB
  • Cashback benefits for eligible cardholders through CommBank Rewards in the CommBank app2

Tell me more

Apply now

low rate credit card
  • 14.55% p.a. purchase interest rate
  • $0 annual fee
  • Minimum credit limit $500

Tell me more

Offer

Enjoy the flexibility of 0% p.a. on purchases for 16 months

Apply by 28 February 2022.*

Apply now

  • 17.57% p.a. purchase interest rate
  • $60 annual fee
  • Minimum credit limit $500
  • Up to 55 interest free days on purchases

Tell me more

Apply now

Business Awards credit cards

Reward yourself for business spending plus get a competitive interest-free period on purchases.

Business Awards credit card

  • Choose to earn CommBank Awards or opt-in4 to earn Qantas Points for $30 per year5
  • Earn 1 Awards Point or 0.4 Qantas Points for every dollar spent using your Mastercard®6
  • Earn up to 60,000 Awards Points or 24,000 Qantas Points a year
  • 20.74% p.a. purchase interest rate
  • $100 annual fee
  • Minimum credit limit $500

Tell me more

Apply now

Business Platinum Awards credit card

  • Choose to earn CommBank Awards or opt-in4 to earn Qantas Points for $30 per year5.
  • Earn 1 Awards Point or 0.4 Qantas Points for every dollar spent using your CommBank Awards Mastercard®6
  • Earn up to 300,000 Awards Points or 120,000 Qantas Points a year
  • 20.74% p.a. purchase interest rate
  • $300 annual fee
  • Minimum credit limit $6,000
  • Extra features like international travel insurance3

Tell me more

Offer

Get 50,000 bonus Qantas Points or 70,000 CommBank Awards points when you apply by 28 February 2022 and spend $4,000 on eligible purchases within 90 days of activation.^

Apply now

Corporate credit cards

For medium to large businesses and corporates who want to manage their cashflow, monitor and analyse expenses and minimise costs.

Corporate Interest-Free Days card

Tell me more

Corporate Low Rate card

  • 14.55% p.a. purchase interest rate
  • Employee controls
  • Unlimited cardholders

Tell me more

More options for larger businesses and corporates

Ideal for large organisations with significant procurement spend who want to control costs and corporate spending.

Corporate charge card

  • Designed for large organisations with significant expenses
  • Minimise costs by setting controls for different cardholders
  • Reduce processing costs with electronic reporting and management

Tell me more

Procurement Management Account

  • For organisations with significant procurement expenditure
  • Assigned to an organisation or business unit rather than individual cardholders
  • Allows multiple authorised users to transact on the facility

Tell me more

Virtual Cards

  • Generates single-purpose card numbers
  • Ideal for medium to large businesses and corporates with significant travel or procurement spend
  • Allows enhanced control and security over spending

Tell me more

Things you should know

* Offer available on new Low Rate credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, including Low Rate Gold, CommBank Essentials and CommBank Neo credit card, existing cards, and switches from other card types, and will be forfeited if you switch to a different credit card type during the 16 month period. The 0% p.a. interest rate on purchases (but not balance transfers and cash advances) is valid for 16 months from the date of card approval. At the end of the 16 month period, the interest rate will convert to the standard variable purchase interest rate at that time. We reserve the right to close the offer prior to 28/02/2022.

^ Offer available on new Ultimate Awards, Platinum Awards and Business Platinum Awards credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, and switches from other card types and is not available to customers who currently hold, or have held, any Awards card types in the 12 months prior. You will be ineligible for the bonus Qantas Points or CommBank Awards points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

To be eligible for the 100,000 CommBank Awards points on a new Ultimate Awards card, you need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 bonus Qantas Points on a new Ultimate Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 CommBank Awards points on a new Platinum Awards or Business Platinum Awards card, you need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. 

If you opt-in to Qantas Points after applying but before you meet the eligibility criteria, you will receive 70,000 bonus Qantas Points on a new Ultimate Awards credit card, or 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card.

If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the eligibility criteria, you will receive the Bonus CommBank Awards points associated with this offer (100,000 CommBank Awards points on a new Ultimate Awards card or 70,000 CommBank Awards points for a new Platinum Awards or Business Platinum Awards card) in place of Qantas Points.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Offer only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

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.

Eligible CBA credit or debit Mastercard customers, that are at least 18 years old, are not in hardship, and are not in default with any CommBank accounts can access CommBank Rewards through the latest version of the CommBank app. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app.

Cover is available for you, your spouse and your eligible accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance before each trip to have a comprehensive level of cover. If you don’t activate you’ll receive personal liability cover and overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses may apply. Please refer to our Credit Card Insurances Product Disclosure Statement and Information Booklet available from commbank.com.au/creditcardinsurance or any branch for full details. 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.

4 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 here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

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.

6 How you earn or redeem CommBank Awards Points will be subject to the CommBank Awards Program Terms and Conditions. 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.

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 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. You can also download our Financial Services Guide (FSG) (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) here and Certificate of Unauthorised Transactions Insurance here. Please view our Credit Card Conditions of Use.

The CommBank Business Credit Cards 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.