Features & benefits

Our lowest interest rate 

Enjoy the flexibility to pay off purchases over time, at a 9.90% p.a. interest rate. 

Low monthly fee

Only pay $2 monthly fee if you choose online statements and set up automatic repayments from a CommBank transaction account using credit card AutoPay (otherwise monthly fee is $5)1.

 

Low maximum credit limit

$3000 maximum credit limit, cash advances blocked (exceptions apply)2, balance transfers not available. 

Up to 55 days interest free on purchases

Pay no interest on purchases for up to 55 days, when you pay the full closing balance on your statement by the due date each month.

Pay at millions of locations, worldwide

Use your CommBank Essentials credit card at more than 43 million locations around the world. And Tap & goTM to pay for purchases under $100 with Mastercard.

Stay in control of your spending

Turn on Transaction Notifications and we’ll tell you instantly when you pay or are charged for something using your credit card. And categorise your spending with Spend Tracker.

Compare our credit cards

Rates & fees

Type                               
Fees & rates
Conditions
Purchase interest rate
9.90% p.a.
   
Up to 55 days interest free on purchases
     
Pay no interest on purchases for up to 55 days, when you pay the full closing balance on your statement by the due date each month.
Additional cardholder fee
Free
   
Monthly fee 
$2 or $5
$2 when you choose online statements and set up automatic payments from a CommBank transaction account using credit card AutoPay. Otherwise monthly fee is $51
Late payment fee
$20
   
International transaction fee on overseas in-store and online purchases
3.00%
When you make a transaction in a foreign currency or make a transaction in Australian dollars:
  • While overseas; or
  • In Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas.

Other fees may apply so check our standard fees and charges brochure (PDF 43KB). You can also read the key facts about our credit cards (PDF 77KB).

Security

100% security guarantee

We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.

Tell me more

Extra security protection

Things you should know

The advice on this website has been prepared without considering your objectives, financial situation or needs.  You should, before acting on the advice, consider its appropriateness to your circumstances. Please read our CommBank Credit Card Conditions of Use

1The annual fee is charged at $5 per month or $2 per month if you:

  • Set up automated monthly repayments through our credit card AutoPay from a CommBank transaction account and
  • Opt in to receive online statements on your CommBank Essentials account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address)

2 We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will attract interest from the date the transaction is made until it’s repaid.