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

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

    • Our systems will monitor for unusual activity. We may be in touch with you if we detect something suspicious across your accounts, so make sure your contact details are up-to-date. We also encourage you to monitor your transactions.

    Tell me more

Mobile payments & wearables

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

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.

    * Offer available on new Low Rate credit cards applied for between 1 October 2023 and 29 February 2024. Offer not available on existing cards or switches from other card types and is 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.

    0% p.a. interest rate on purchases for 6 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 three successive 30 day periods and $100 cashback will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first three months. Maximum cashback available is $300. 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 ‘CASHBACK $100’. 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 the offer prior to 29 February 2024.

    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.