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As at 1 December 2023
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
For full details, see the Personal Liability Business Credit Cards Standard Fees and Charges (PDF 11kb)
* The first fee charged on or after 3 February 2025 and any fees charged thereafter will be the new monthly fee.
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 $15 per month for a $1,000 credit limit, $20 per month for a $2,000 credit limit and $25 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 not 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, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).
6 For Low Gold Fee credit cards, there is no monthly fee when you spend at least $2,000 on your Low Fee Gold credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $8. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).
7 For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).
8 For Ultimate Awards credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. 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).
9 Includes cash advances through a terminal at ASB Bank in New Zealand. 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).
10 Includes any funds transfers through NetBank, CommBank app, by calling 13 2221 and Australia Post.
11 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.
12 For cash advances, the cash advance fee will also apply (excluding CommBank Essentials and CommBank Neo cards which do not offer cash advances).
13 From 10 December 2024, interest rates offered on approval vary from 10.99% p.a. to 15.99% p.a. The rate offered to you (your personalised interest rate) within this range depends on different factors, including your individual credit risk score.
Once your credit contract is entered into, your personalised interest rate will be reviewed periodically and may change upon review. We may also vary the range of rates available for new Low Rate credit cards at any time. We’ll notify you as outlined in the conditions of use if your personalised interest rate changes.
All customers with an existing CommBank Low Rate credit card, and customers who switch from an existing CommBank credit card to a Low Rate credit card will be offered or will retain an interest rate of 13.99% p.a. This rate may be varied at any time during the term of the credit contract.
Please refer to the Low Rate credit card FAQs for more information.