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Credit Cards / Manage and control your credit card / Switch your credit card

Easily switch your CommBank credit card

  • Take advantage of the features and benefits CommBank credit cards have to offer and get the card that's right for you. You can switch your existing card to one of our Low Rate, Low Fee or Premium credit cards.

    When switching, you won’t be eligible for offers advertised to new customers. StepPay, CommBank Neo, Interest-free Low Fee and Business Platinum credit card customers are unable to switch their card.

Check your eligibility

  • You're eligible to switch your credit card if:

    • You currently hold an eligible Commonwealth Bank issued credit card
    • You're the primary cardholder
    • Your current credit limit meets the minimum limit requirements of the card you want to switch to
    • You're an Australian resident or have an Australian address
    • Your account is in order

How to switch your CommBank credit card

  • The easiest way to switch is via the CommBank App.

    1.  Logon to CommBank app and search for ‘switch your credit card’ or select your credit card account >  ‘Manage’ section and select ‘Switch credit card’ 
    2. Choose the existing card you'd like to switch from and use the comparison to find the card that’s right for you
    3. Review your new card information and mailing address
    4. Review the important things to know (including the T&Cs of your new card), and confirm your switch
    5. That’s it! You can keep using your existing card, until your new card arrives (within 10 business days). You can either activate your new digital card in the app without waiting for the physical card to arrive, or once it arrives, activate the physical card in NetBank or the CommBank app. 

    If you don’t have CommBank app registered, you can contact us or visit your nearest branch to submit a request to switch. 

    Switch your card

Card switch not approved?

  • We may not be able to process your request to switch cards because:

    • Your current credit limit doesn't meet the limit of the card you wanted to switch to. Manage your limit
    • Your address isn't in Australia, or you're not an Australian citizen or resident
    • You've spent over your credit limit
    • Your account is in arrears or your balance is overdue
    • You've already started a request to switch cards

What happens next?

  • Once your request has been processed, we’ll send you a letter of variation with your new card within 10 working days.

    In the meantime, go to the CommBank app or NetBank and view and record your regular payments list. You will need to update these once you receive your new card details (they won’t be automatically transferred over to your new card).

    When you receive your new card:

    • Activate your new card in NetBank or the CommBank app. Your old credit card account will be closed 
    • Update your direct debits and regular payments 

We can help