What you’ll need when applying for a CommBank Credit Card

If you're a new customer, you'll need to download the CommBank app and provide one of the following forms of ID online:

• Australian driver's licence
• Passport

If you don’t have any of the ID options above, you can visit your local branch with any two of the following:

• Birth certificate
• Citizenship certificate
• Pension card or health care card issued by Centrelink
• Household bill, e.g. rates, phone, or electricity bill.

If you're not a citizen or permanent resident of Australia, you'll need to provide your passport number for us to confirm your visa details as part of your application.

For eligible visa holders

• Your visa expiry date must be at least six months from the date of your application.
• If approved the credit card’s expiry date is limited to the expiry date of the visa.
  

The following visa types are ineligible for a CommBank credit card application:

Working holiday visas

• 417 – Working Holiday visa
• 462 – Work and Holiday visa
  

Studying, graduate and research visas

• 590 – Student Guardian visa
  

Temporary business visas

• 400 – Temporary Work (Short Stay Specialist) visa
  

Family & spousal visas

• 870 – Sponsored Parent (Temporary) visa
  

All other visa types

• 030, 040, 041, 050, 051 – Bridging visa
• 600 – Visitor visa
• 601 – Electronic Travel Authority
• 602 – Medical Treatment visa
• 651 – eVisitor visa
• 771 – Transit visa
• 785 – Temporary Protection visa
• 790 – Safe Haven Enterprise visa
• 942 – Crew Travel Authority
• 988 – Maritime Crew visa
• Special Purpose visa

Please provide us with any one of the following documents:

1.  Payslips

Your two most recent payslips, ensuring they:

• Include your employer details
• Show your net income for the pay period
• Are in sequence with no gaps e.g.;
  
  • This week and last week
  • Last fortnight and the previous fortnight

2.  Bank statement OR transaction listing clearly showing three months' worth of salary credits. Depending on your pay cycle, your most recent salary credit must be within the following timeframe:

• Weekly – within the past 10 days
• Fortnightly – within the past 17 days
• Monthly – within the past 33 days
  

3.   Proof of Employment AND Proof of Income

• Any one of the following, clearly showing your employer and income details (or hourly rate and minimum hours), start date and end date (if you’re on a fixed term contract):
  • Your employment contract, OR
  • Letter of employment (less than 3 months old)

AND

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

4.  If you’ve started a new job in the past two months, provide one of the following:

1. Your two most recent payslips, ensuring they:

• Your two most recent payslips, ensuring they:
• Include your employer details
• Show your net income for the pay period
• Are in sequence with no gaps e.g.;
  • This week and last week
  • Last fortnight and the previous fortnight

OR 

2. One of the following documents, clearly showing your employer and income details (or hourly rate and minimum hours), and the end date (if you’re on a fixed-term contract):

• Your Employment contract, OR

• Letter of employment

AND

Any one of the following:

• Your most recent bank statement or transaction listing clearly showing the income you receive, OR

• Your most recent payslip clearly showing your employer details and net income.

Provide us with any one of the following documents:

1.    Payslips

Three months' worth of your most recent payslips, ensuring they:

• Include your employer details
• Show your net income for the pay period

2.   Bank statement OR transaction listing clearly showing the last three months' worth of salary credits. Depending on your pay cycle, your most recent pay must be within the following timeframe:

• Weekly – within the past 10 days
• Fortnightly – within the past 17 days
• Monthly – within the past 33 days
  

3.   Proof of Income

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

AND

• Any one of the following:
  • Your most recent bank statement or transaction listing from the last three months clearly showing the income you receive, OR
  • Your most recent payslip (less than three months old) clearly showing your employer details and net income.

4.      Proof of Employment AND Proof of Income

• Any one of the following, clearly showing your employer and income details (or hourly rate and minimum hours), start date and end date (if you’re on a fixed term contract):
  • Your Employment contract, OR
  • Letter of employment (less than 3 months old)

AND

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA).

5.      If you’ve started a new job in the past two months, please provide us with both of the following:

• Any one of the following (less than 18 months old)) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

AND

• Any one of the following:
  • Your most recent bank statement or transaction listing from the last two months clearly showing the income you receive, OR
  • Your most recent payslip (less than two months old) clearly showing your full name, employer details and net income.

You are only able to use self-employed income if you've been running a business for at least 12 months (across one or more ABNs). 

Please provide us with one of the following, depending on your circumstance:

• Your most recent personal Tax return, OR
• Tax Notice of Assessment (NOA) (less than 18 months old) clearly showing your ABN/ACN. If you have multiple sources of income, you'll need to provide your personal Tax return instead.

If your time in business is less than 12 months, please refer to: Full-time and part-time PAYG employees.

You are only able to include bonus income if you’ve received it for two consecutive years from the same employer.

Please provide us with one of the following:

• Letter(s) from employer detailing the bonus amounts received over the two most recent financial years (this can include the current financial year)
• Payslips showing the bonus amounts received over the two most recent financial years (this can include the current financial year)

We accept the following types of pensions, payments and allowances received from the government:

• Age Pension
• Veteran Affairs Pension
• Disability Support Pension
• Family Tax Benefit Part A and B
• Carer’s Income
• Parental Leave Pay
• Rent Assistance
• Supplement Payments
• AUSTUDY
• ABSTUDY
• Youth Allowance

Please provide us with one of the following:

• Your bank statement or transaction listing clearly showing three months' worth of account credits (including the transaction description 'Centrelink' or similar). Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days

OR

• Your Centrelink income statement clearly showing the income amount you receive. Depending on your payment cycle, your most recent income statement must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 20 days

Please provide us with both of the following:

• A child support agency letter, solicitor's letter or a family law court order clearly showing the income you receive, the frequency of payments and the age of the child/children, 

AND

• Your bank statement or transaction listing clearly showing three months' worth of account credits including the transaction description 'child support' or similar. Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days
  • Monthly – within the past 33 days.

Please provide us with one of the following:

• A bank statement or transaction listing clearly showing three months' worth of rental credits (including the transaction description 'rent', 'rental', 'lease' or similar). Depending on your payment cycle, your most recent rental credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days
  • Monthly – within the past 33 days.

OR

• A letter or statement from the managing real estate agent (less than 90 days old) clearly showing the rental income you receive, any agent's fee or other deductions, the current tenancy status and a signature on the letter from the real estate agent.

If your rental property is new within the past three months, please provide us with your lease agreement clearly showing the rental income you receive, the lease period and a continuation clause (if the lease term has already lapsed).  

Please provide us with one of the following:

• Bank statements showing 3 months’ worth of superannuation credits
• A member benefit statement or complete financial report (less than 18 months old) from the most recent financial year AND a signed auditors report (less than 18 months old) from the most recent financial year or a letter from an accountant (less than 3 months old)
• Most recent superannuation statement or a letter from a recognised brokerage, fund or accountant (less than 3 months old), showing
  • Your full name
  • 3 months of returns
  • Current value (superannuation balance)
  • Income generated

Please provide us with one of the following:

• A bank statement or transaction listing clearly showing three months' worth of returns (including the transaction description 'investment', 'dividend', 'share' or similar). Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Monthly – within the past 33 days
  • Quarterly – within the past 4 months
  • Bi-annually – within the past 7 months
  • Annually – within the past 13 months.

OR

• An investment letter or statement from the entity in which the funds are invested/managed clearly showing three months' worth of returns, the current value (balance) and income generated from the investment. Depending on your payment cycle, your most recent statement must be within the following timeframe:
  • Monthly – within the past 40 days
  • Quarterly – within the past 4 months
  • Bi-annually – within the past 7 months
  • Annually – within the past 13 months

If your application for a Business Credit Card (Personal Liability credit cards) is approved, you may need to provide an ASIC business name extract.

With your consent, we’ll use information from a credit bureau to prefill your existing liabilities in your application. You can review and update any details if they’re incorrect or out of date.

Some debts may not be available from a credit bureau, so we won’t pre-fill them. For example, an ATO debt. You’ll need to add these manually, to give us an accurate overview of your debts.

If we approve your application and you hold debts with other financial institutions, including Buy Now Pay Later facilities, we may ask for:

• Your most recent bank statement clearly showing your debt repayments
  
  OR
  
  
• An account statement from the relevant provider clearly showing your account number and your debt repayments or credit limit.

You can check the progress of your application anytime in the Application Status Tracker in the CommBank app by searching ‘My credit card application’.

If you need to review or manage your application, head to My applications in NetBank or search for My credit card application in the CommBank app.

This is your central place to:

• View the status of your application
• Respond to requests from us
• Upload documents if needed

Sometimes, we may need a little more information to finalise your application. If that’s the case, we’ll let you know exactly what’s needed and how to provide it.

Keep an eye out for notifications in the CommBank app or emails from us, as you may have an update or action waiting on your application. You won’t be asked to submit anything unless it’s required.

Once you’ve received your card, you can activate it in the CommBank app or in NetBank and create your own PIN. More instructions can be found here - How do I activate my CommBank card?

If you’d like to request a credit limit increase in the future, you can do this through the CommBank app.

Any request will be assessed based on your personal circumstances at the time.