Features & benefits

  • Manage your money

    Up to 55 days interest free on purchases, so you can keep cash in your account longer.

    Manage your card online with CommBiz or NetBank – request online statements, establish automated payments, order cards and change daily withdrawal limits.

    Stay in control with alerts and payment reminders.

    Transactions updated instantly – so you’ll always know where you stand.1

  • Simplify admin

    Separate your business expenses from your personal, making your business activity statement (BAS) easier.

  • Protect yourself

    Included Transit Accident Insurance and Unauthorised Transaction Insurance.~

    Instantly lock international payments, block ATM cash withdrawals and limit your spending from the CommBank app or NetBank.

    24/7 emergency assistance overseas if you lose your card.

  • Apply easily

    Simple application process.

    Minimum credit limit of $500.

    Unsecured credit limit of up to $50,000 (based on eligibility criteria).

  • CommBank Rewards

    Cashback benefits for eligible cardholders through CommBank Rewards2 in the CommBank app.

  • Enjoy exclusive experiences

    Access to a unique collection of experiences and offers exclusively for Mastercard® cardholders through Priceless Sydney and Mastercard Privileges.

CommBank Rewards

CommBank is rewarding you when you shop, which is why we’ve partnered with big brands to give you cashback when you activate and redeem your CommBank Rewards.

Personalised rewards

We'll send you shopping rewards based on where you've shopped before, and similar places we think you'll like.

Available to eligible2 Mastercard® cardholders in the CommBank app.

Mobile screen: CommBank Rewards in the CommBank app

Rates & fees

Rates & fees
Purchase interest rate
17.57% p.a.
Cash advance interest rate
17.57% p.a.
Interest-free period
Up to 55 days
Balance transfer rate
 5.99% p.a.
Pay a low  5.99% p.a. in interest for the first 5 months on the balance you bring across,3 cash advance rate thereafter.
Annual fee
Additional cardholder fee
$60 p.a.
Minimum credit limit
Cash advances
  • ATM4: 1.50% of the transaction amount.9
  • Commonwealth Bank over the counter5: $2.50 or 1.50% of the transaction amount (whichever is greater).9
  • Non-Commonwealth Bank over the counter6: $3.00 or 1.50% of the transaction amount (whichever is greater).9
  • Any other Commonwealth Bank network7: 1.50% of the transaction amount.9
  • Overseas terminal or bank: $4.00 or 1.50% of the transaction amount (whichever is greater).9
  • Cash equivalent items or cash substitutes8: 1.50% of the transaction amount.9

Other fees may apply. For full details, see the Personal Liability Business Credit Cards Standard Fees and Charges (PDF).

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Things you should know

  • 1 Excludes some manual transactions and some contactless payments.

    2 Eligible CBA credit or debit Mastercard, Business credit cards and StepPay 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.

    3 At the end of the balance transfer period, the interest rate on any outstanding transferred balances converts to the cash advance rate current at that time. Other fees and charges may be payable.

    4 Charge applies to cash advances through a terminal of any financial institution in Australia, at ASB Bank in New Zealand, Commonwealth Bank in Indonesia and Commonwealth Bank in Vietnam.

    5 Charge applies to cash advances at Commonwealth Bank branches.

    6 Fee applies to cash advance transactions made at other financial institutions within Australia.

    7 Charge applies to cash advances by way of funds transfer through NetBank, PhoneBank Transfer, Commonwealth Bank Customer Service Centre, Australia Post, 13 2221 Transfer Cash, NetBank Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan.

    8 Charge applies to purchases of cash equivalent items or cash substitutes including gambling transactions or traveller’s cheques.

    9 A maximum charge of $150.00 (or a flat fee of $2.50 applies if your closing balance on previous business day was in credit).

    Note: For cash advances and balance enquiries made through a non-Commonwealth Bank ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the cash advance amount) if applicable. You should check the ATM owner’s fees that apply carefully before completing.

    View our Certificate of Transit Accident Insurance (PDF) and Certificate of Unauthorised Transactions Insurance (PDF).

    You can add your CommBank business credit cards and Visa Business Debit  card to Apple Pay. Some CommBank cards are ineligible for Apple Pay including Mastercard Business Debit Card and Corporate card.

    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.

    Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International.

    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).

    View Terms and Conditions for Electronic Banking (PDF)NetBank and CommBiz (PDF) and consider them before making any decision about these products. 

    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.