Enjoy 0% p.a. on purchases for the first 3 months + up to $240 cashback

Current offer

Earn $60 each month when you spend $500 or more per month for the first four months. Offer commenced 1 March 2024. Terms and conditions apply.*

Enjoy 0% p.a. on purchases for the first 3 months + up to $400 cashback

CommBank Yello offer

Earn $100 each month when you spend $500 or more per month for the first four months. Offer commenced 1 March 2024 and is only available to customers who are in a CommBank Yello tier when applying for the credit card. Terms and conditions apply.*

At a glance

  • What you get

    • A low purchase interest rate of
      13.99% p.a.
    • Up to 55 days interest free on purchases
    • Minimum credit limit $500
    • Cashback benefits for eligible cardholders through CommBank Yello Cashback Offers2 in the CommBank app
    • Monthly fee: $6 per month
    • offers and experiences
    • Complimentary Purchase Security and Extended Warranty insurance provided by Cover-More#


  • Trade-offs

    • You won’t earn Awards points
    • Higher monthly fee compared to the Low Fee credit card 
    • Higher purchase interest rate than our CommBank Neo credit card
    • International travel insurance isn't included
    • International transaction fees apply

CommBank Yello Cashback Offers

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 Yello Cashback Offers.

Personalised offers

We'll send you shopping offers 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 Yello Cashback Offers in the CommBank app

Rates & fees

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

Rates & fees
Additional cardholder fee
Monthly fee
$6 per month
Cash advance interest rate
21.99% p.a.
Cash advances may be unavailable or subject to a limit restriction.
Cash advance fee
$4.00 or 3.00% of the transaction amount – whichever is greater1
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.1
Interest free period on purchases
Up to 55 days
International transaction fee
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
The amount charged if you don't pay the minimum amount, plus any overdue amount, by your statement due date.
Minimum credit limit
Purchase interest rate
13.99% p.a.

Switch your existing CommBank Mastercard credit card

When switching, you won't be eligible for offers advertised to new customers.

Switch to Low Rate

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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.

    * Offers commenced 1 March 2024. The $400 maximum cashback offer ($100 cashback per month for 4 months) and 0% p.a. interest on purchases for the first 3 months is only available to customers who are in a CommBank Yello tier (Everyday, Everyday Plus or Homeowner) when they apply for a new Low Rate credit card. The $240 maximum cashback offer ($60 cashback per month for 4 months) and 0% p.a. interest on purchases for first 3 months is available for non-CommBank Yello customers.

    Offers not available to customers who currently hold, or have held, any activated Low Rate or Low Fee card types in the 12 months prior as a primary cardholder or customers who switch from other card types. For more information about CommBank Yello and how to check your eligibility status, please visit The cashback offer you receive will be the cashback offer you retain for the 4 month period, regardless of whether your eligibility for CommBank Yello changes.

    0% p.a. interest rate on purchases for 3 months will be applied from the date of card approval and excludes cash advances and any purchase that is reversed or refunded.

    The monthly spend criteria is based on four successive 30 day periods and the monthly cashback amount will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first four months. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period.

    Cashback will be credited within 90 days of you meeting the spend criteria each month and will appear on your statement as either ‘CASHBACK $100’ or ‘CASHBACK $60’. Cashback only available on one credit card per customer. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account.

    We reserve the right to close or vary this offer at any time. 

    1 A maximum charge of $300 (or a flat fee of $4.00 applies if your closing balance on previous business day was in credit).

    2 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

    Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable. 

    Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.

    #Purchase Security and Extended Warranty Insurances are issued 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). Cover-More administers the products and arranges the issue of the insurance to Commonwealth Bank of Australia (CBA)(AFSL 234945, ABN 48 123 123 124) who then provides the insurance to the cardholder in line with the agreement. Limits, sub-limits, conditions and exclusions apply. Please read the Credit Card Insurances Information Booklet for more information.

    Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.