At a glance

What you'll get

  • 13.24% p.a. purchase interest rate
  • Up to 55 days interest free on purchases
  • Cashback benefits for eligible cardholders through CommBank Rewards1 in the CommBank app
  • $89 annual fee
  • Minimum credit limit of $4,000
  • Included international travel insurance, simply activate before you travel2
  • Up to 1 year extended warranty on most purchases3
  • Purchase security insurance available for most lost, stolen or damaged purchases4
  • Priceless® Cities offers and experiences

Trade-offs

  • You won’t earn Awards points
  • Higher annual fee compared to some of our other credit cards
  • Higher interest rates compared to our CommBank Essentials credit card
  • International transaction fees apply

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 eligible1 Mastercard® cardholders in the CommBank app.

Mobile screen: CommBank Rewards in the CommBank app

Control & security for your card

Lock, Block, Limit®

Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.

Show me how

Stay in control of your spending

Security protection

Mobile payments & wearables

Secure, cashless payments are possible using your compatible phone or wearable. You can make fast and secure payments with Apple Pay

Discover more

Cyclist

Rates & fees

Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.

Type
Rates & fees
Conditions
Additional cardholder fee
$0
   
Annual fee
$89
   
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, cash advance rate thereafter. Conditions apply.
Cash advance interest rate
21.24% p.a.
Cash advances may be unavailable or subject to a limit restriction.  
Cash advance fee
$3.00 or 3.00% of the transaction amount – whichever is greater5
This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.5
Interest free period on purchases
Up to 55 days
   
International transaction fee
3.00%
This is charged 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
For cash advances, the cash advance fee will also apply.
Late payment fee
$20
The amount charged if you don't pay the minimum amount, plus any overdue amount, by your statement due date.
Minimum credit limit
$4,000
   
Purchase interest rate
13.24% p.a.
   

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Things you should know

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply. Please view our Credit Card Conditions of Use.

1 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. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app.

2 Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on Netbank, the CommBank app or call Cover-More on 1300 467 951 before you travel.

If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited 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 apply.

Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance 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.

If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

3 For extended warranty, purchases must be charged to the cardholder’s eligible credit card account or purchased by redeeming Commonwealth Awards points, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions.

4 Purchase security insurance provides 90 consecutive days of cover (from the date of purchase) in the event of loss, theft or damage. Purchases must be charged to the cardholder’s eligible credit card account or is purchased by redeeming Commonwealth Awards points, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions.

5 A maximum charge of $300 (or a flat fee of $3.00 applies if your closing balance on previous business day was in credit). 

Mastercard® and Priceless are registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.