Help & support
As at 2 December 2020
For full details, see the Standard credit card fees and charges.
As at 13 April 2021
For full details, see the Personal Liability Business Credit Cards Standard Fees and Charges
1 Annual fees charged in advance and monthly fees are non-refundable including if your card is switched or closed before that time period expires. If you switch credit card types, your new fee only becomes due and payable, once the time period covered by your previously paid fee expires. Exceptions may apply.
2 For CommBank Neo and CommBank Neo Business, the monthly fee is charged at $12 per month for a $1,000 credit limit, $18 per month for a $2,000 credit limit and $22 per month for a $3,000 credit limit. 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.
3 For CommBank Essentials, CommBank Neo and CommBank Neo Business cards, cash advances will be blocked. Exceptions apply as we are unable to block cash advance transaction that are sent to us for authorisation and these will attract interest from the date the transaction is made, until it's repaid. For CommBank Neo and CommBank Neo Business, these will not incur any additional fees or interest charges.
4 For CommBank Essentials credit cards, the monthly fee is charged at $5 per month, or $2 per month if you (i) set up automated monthly repayments (through our AutoPay) from a CommBank transaction account; and (ii) opt-in to receive statements on this account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address).
5 For Low Fee credit cards, the annual fee is waived in the first year and every subsequent year if you spend at least $1,000 in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds.
6 For Low Fee Gold credit cards, the annual fee is waived in the first year and every subsequent year if you spend at least $10,000 in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds.
7 For the Ultimate Awards credit card, the monthly fee is charged at $35 per month, or $0 per month if you (i) spend at least $2,500 on your Ultimate Awards credit card in your statement period and (ii) choose to receive online statements.
Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). You can opt in to receive online statements through NetBank or the CommBank app, which will require a valid email address.
8 Includes cash advances through a terminal at ASB Bank in New Zealand, CommBank in Indonesia and CommBank in Vietnam. For cash advances and balance enquiries made through a non-CommBank 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 any cash advance amount).
9 Includes any funds transfers through NetBank, CommBank app, by calling 13 2221 and Australia Post.
10 Applies to transactions for items we consider equivalent to cash, such as gambling, lottery tickets, money transfers or travellers cheques, including transactions which merchants tell us are for such items.
11 For cash advances, the cash advance fee will also apply (excluding CommBank Essentials and CommBank Neo cards which do not offer cash advances).