Help & support
Activate your credit card in the CommBank app or in NetBank and create your own PIN.
Digital wallets are a convenient and secure way to access your credit card without the need to carry a physical card. Add your credit card to your digital wallet so you can shop online and make purchases in store with just a tap.
Stay up to date by turning on notifications in your profile in the CommBank app. We’ll send you security updates, late payment alerts and actions that need your attention.
You can have one additional cardholder on your CommBank credit card, who must be at least 16 years old.
You can get regular payments such as bills debited from your credit card automatically. This can be for a fixed or variable amount.
Stay on top of your spending by switching on your transaction notifications in the CommBank app. You’ll receive instant alerts when you pay using your credit card.
You can activate, cancel or replace your credit card from your mobile using the CommBank app.
You can activate, cancel or replace your credit card from your laptop or desktop computer using NetBank.
Access your card details in the CommBank app with your digital CommBank credit card.
Enjoy extra control and security in real time using the CommBank app or NetBank.
You can customise your card settings to control how you use your card and adjust your security preferences to give you peace of mind when you need it most.
We can help you stay on track with your credit card spending in the CommBank app.
We’re here to help you feel confident and in control of your financial journey. By paying the total amount owing on your statement by the due date, you can avoid interest charges and any unnecessary fees. Pay at least the minimum by the payment due date to avoid a late fee and be able to continue using your card.
Ensure you never miss a payment by setting up AutoPay on your account. You can choose to pay the minimum amount, a fixed amount or the full balance automatically each month.
Your statement is designed to help you find your payment summary, review your transactions, see our latest offers and keep you up to date with important messages, such as changes to your credit card from time to time.
A credit card can help smooth your cash flow and let you take advantage of features like Awards points. To make the most of your credit card, it’s important to understand the components that make up your balance.
Whether it’s a new laptop, a travel adventure or moving expenses, get more flexibility over your spending with SurePay. You can turn a single purchase into a SurePay plan and pay it off in monthly instalments over a choice of 3, 6 or 12 month terms, interest free2.
Credit cards come with extra costs. Make sure you know what they are and how to avoid or at least minimise them.
Taking advantage of your card’s interest-free period can help you smooth your cash flow.
Replace the clutter of paper statements, reduce your paper waste and look back at old statements anywhere, anytime.
CommBank Awards offers the largest credit card rewards program of any bank in Australia based on the number of cardholders3.
With a CommBank Awards credit card, you can keep up to date with your points balance and activity on the CommBank app and redeem your points for cash back or on a wide variety of gift cards, electronics, appliances and more.
With a CommBank Awards credit card that earns you Qantas Points on eligible purchases, you can put your points towards your next holiday or choose from a range of items at Qantas Marketplace.
With Qantas Frequent Flyer4, you can:
If you are an eligible customer of CommBank Yello , you have access to cashbacks, discounts and regular prize draws5. Plus, continue to save on everyday purchases with personalised benefits, while you bank with us.
Planning your next holiday? With your CommBank credit card, you can now access Travel Booking provided by Hopper. Travel Booking is an exclusive new value-packed way to book flights and hotels via the CommBank app6.
Discover what sets Travel Booking apart, explore a wide range of hotel destinations and airlines on offer. Make seamless bookings at thousands of hotel destinations and confidently book flights with the Price Prediction tool and Best Price Guarantee, helping you find the best deal.
Get complimentary Purchase Security and Extended Warranty insurance all provided by
Cover-More. It’s a little extra peace of mind, just for you7.
Low Rate Gold, Low Fee Gold, Gold Awards, Platinum Awards, Diamond Awards, Smart Awards and Ultimate Awards credit cards. Explore more
Low Rate, Low Fee, Awards and Essentials credit cards. Explore more
International travel insurance for cardholders, their spouse, and accompanied children travelling with them for the entire journey, is available with these CommBank credit cards:
For eligible credit cards
To receive cover, including Overseas Medical cover, before you leave Australia you must:
Get covered before you travel with CommBank’s international and domestic travel insurance plans that you can tailor for yourself and up to 10 people travelling with you for the entire journey12.
With Ultimate Awards, enjoy two complimentary airport lounge passes with Mastercard Travel Pass with DragonPass.13
With Smart Awards, get access to airport lounge benefits for a fee with Mastercard Travel Pass provided by DragonPass when paying with your Smart Awards card.13
Remember to register online on Mastercard Travel Pass before you go.
With Smart Awards and Ultimate Awards cards, you have access to Mastercard Travel Rewards, where you can enjoy cashback offers at participating merchants when you make purchases overseas or online when you use your card14. Visit the Mastercard Travel Rewards website to register.
Making sure your credit card is always secure is one of the most important parts of managing your card.
Card switching is not available for CommBank Neo.
Common credit card mistakes to avoid
Having a good idea of how you’ll use your credit card can help you choose one that best suits your needs.
An increase to your credit card limit can come in very handy, but also comes with potential risks.
1 Lock, Block, Limit doesn't apply to transactions that are flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Except for the spending cap, transactions made via Tap & Pay set up on a compatible smartphone aren't blocked. Some transactions made at CommBank branches, over the phone, through online or mobile banking (including transfers to other accounts, bill payments and assisted cash withdrawals) are also excluded. Other conditions apply.
2 You won't be able to apply for an instalment plan if you don't meet our criteria (e.g. if you have exceeded your limit or you are in default). Instalment plans are not available on CommBank Neo, non-Awards Business Cards, corporate cards or balance transfers. The terms of the CommBank Credit Card Conditions of Use relating to instalment plans (section 5) will apply.
While you have an instalment plan, we apply your credit card payments first to your current monthly instalments. This will apply even when you have other card balances with a higher interest rate, such as cash advances and purchases not on a plan.
Any interest-free period on purchases will no longer apply once the purchase is put on a plan.
You can cancel your instalment plan at any time. When a cancellation is processed, the outstanding instalment balance will be transferred to your purchases balance and accrue interest from the transfer date at the standard purchase interest rate applicable on your account.
If you miss a monthly instalment payment, the unpaid instalment amount for that month will be returned to your main balance and charged interest at the standard purchase rate.
If you fail to make your monthly instalments on your SurePay instalment plan for three consecutive months, we’ll cancel the SurePay instalment plan. Any remaining SurePay instalment balance and any interest on the cancelled plan will be transferred to your purchase balance and will be payable at the card purchase interest rate .
SurePay Purchase Plan terms and conditions
3 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.
4 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, you can join here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.
Opt-in to earn Qantas Points is $90 per year.
This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year in addition to your regular credit card fees. Once CommBank Awards points have been redeemed for Qantas Points, they cannot be converted back to the CommBank Awards points program.
5 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.com.au/commbank-yello) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.
6 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part or all of their Awards points for payment of their booking. CommBank will receive a portion of the revenue generated from the Travel Booking platform.
7 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 Product Disclosure Statement and Information Booklet for Low Fee Gold, Low Rate Gold, Gold Awards, Platinum Awards, Diamond Awards, Smart Awards and Ultimate Awards credit cards or the Credit Card Insurances Information Booklet for Low Rate Standard, Low Fee Standard, Awards Standard and Essentials credit cards for more information.
8 Gold Awards cards are no longer available for sale from 23 March 2018.
9 Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.
10 For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption. Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia (CBA). Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over for CBA Travel Insurance, and 80 years or over for insurance available with eligible cards), benefit limits, sub-limits and excesses may apply to all insurances.
11 Before activating the international travel insurance included in your CommBank credit card please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information. If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023.
12 CBA Travel Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia (CBA).
Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 74 years or over), limits and excesses may apply to all insurances. Please read the CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide for more information about CBA Travel Insurance.
13 To gain access to participating airport lounges, you must register your Smart Awards and Ultimate Awards credit card on the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com, generate a membership QR code and present this along with your boarding pass for validation. Ultimate Awards customers receive two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Smart Awards customers will pay a fee. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass .
14 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart Awards and Ultimate Awards Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. Cashbacks may take up to 30 days to appear on your statement. Visit Mastercard Travel Rewards for a list of participating merchants and to find out more.
CommBank acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.
©2024 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945
