Extra credit card security. More control.

Lock (& unlock) international payments

If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments. Unlock instantly when you need to.

Lock your card temporarily

If you misplace your credit card, you can temporarily lock it while you look for it. Then unlock it when you find it again. 

Lock (& unlock) contactless payments

You can lock contactless card payments if you’re not tapping your card to pay. And unlock whenever you need to.

Block ATM cash advances

Block ATM cash advances if you don’t want to withdraw cash from your credit card

Limit spend per transaction

Set a limit per transaction. Whenever a purchase is above that limit, it’ll be declined and we’ll alert you. 

Set a spending cap

Setting a spending cap helps you keep on top of your spend. There's flexibility to access money if you change your mind.

In the CommBank app

You’ll need the CommBank app installed on your phone

  1. Log on securely to the CommBank app, then tap Cards on the home screen
  2. Swipe to the card you want to lock 
  3. Choose the lock, block or limit feature you’d like to activate 
  4. If you'd like to temporarily lock your card, tap Lock temporarily

In NetBank

If you’re not already registered for NetBank, you can register now

  1. Log on securely to NetBank & click on Settings
  2. Choose Credit card settings under Card security & limits to lock international or contactless card payments, limit spend, block ATM cash advances or set a spending cap 
  3. If you'd like to temporarily lock your card, go to Lost, stolen or damaged cards
  4. On the Card settings page, click on the pencil icon then choose Lock on the features you’d like to activate
  5. Log off once you’re done

Backed by our 100% security guarantee

Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong.

Tell me more

Mobile phone with CommBank app, near an ATM

Set a spending cap

An easy way to help manage your spending by capping a portion of your credit limit in the CommBank app or NetBank.

Want to restrict your day-to-day spending for just for a night out or even while you’re travelling? Spending cap lets you cap a portion of your limit, in one click, without having to permanently decrease your limit.

More on spending cap

Need a CommBank credit card?

Things you should know

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.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Full terms and conditions available on the CommBank app. The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page.  NetBank access with NetCode SMS is required.