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Your choice of credit cards

Low Rate

Low Rate credit card

Low Rate credit card

With an interest rate of 12.99%+ p.a on purchases, the CommBank Low Rate card is one of our most popular credit cards. Or consider the CommBank Low Rate Gold card for extra features like complimentary insurances.

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How to apply

Apply online and get a response in 60 seconds.

Low Fee

Low Fee credit card

Low fee or no fee. Get the convenience of a credit card with a low annual fee. Or if you’re a qualifying customer#, you’ll pay no annual fee at all.

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How to apply

Apply online and get a response in 60 seconds.

Awards

Awards credit card

Awards credit card

Earn points quickly when you use your CommBank Awards credit card for daily spending. 

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CommBank offers the largest rewards program of any bank in Australia1. Redeem exclusively in-store at Myer and Flight Centre or choose from over 1,000 Award items.

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How to apply

Apply online and get a response in 60 seconds.

 

Small Business

Low Rate credit card

Small Business credit card~

Our Small Business credit card~ is ideal if you’re looking to reward yourself for your business purchases. With our Small Business credit cards~ you take personal responsibility for spend on the card, which means there’s no need to provide business financials when applying.

Enjoy 0%p.a. for 5 months on purchases+.

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How to apply

Apply online and get a response in 60 seconds.

Manage your card

Activate and manage

Learn how to activate your CommBank credit card and create a PIN in NetBank or in any branch.

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Reduce your environmental impact plus access your statements online from anywhere.

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Here you can find everything you need to understand your credit card statement.

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Learn about ways to keep your credit card fees to a minimum or avoid them altogether.

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Learn how to transfer the balance of an existing store or credit card to your CommBank credit card.

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Set up a regular direct debit on your credit card for variable amounts (e.g. your phone bill) or set amounts (e.g. your insurance premium).

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Avoid paying late fees by setting up AutoPay from a CommBank savings or transaction account.

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Lost and stolen

If your CommBank credit card is lost or stolen, call us at any time, from anywhere in the world, and we will get a replacement card to you.

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Make changes

You can apply to increase your limit or choose to decrease your credit limit.

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If you have an Awards MasterCard® or Awards Visa®, you can add a CommBank Awards American Express Card to your account.

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The benefit of an additional cardholder is the convenience of sharing your account with someone important.

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Learn about our other products' features and benefits and if you are eligible for an upgrade.

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Security, insurance and disputes

You have the option to add card repayment insurance to help you repay your credit card in the event of unforeseen circumstances.

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If you find a transaction on your credit card statement that you don’t believe is accurate, there are a few things you should do first.

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Register yourself for added protection while shopping online.

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Some CommBank credit cards come with complimentary insurances such as travel insurance, purchase security insurance and extended warranty insurance.

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Travelling overseas

With cover for damaged luggage to unexpected medical bills and cancellation costs, so you could enjoy the benefits that only travel insurance can bring.

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There are a number of advantages to taking a credit card overseas — they are widely accepted, enable you to make cash withdrawals at ATMs, you can link them to a debit account so you can transfer funds, and they save you having to carry large amounts of cash around.

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Learn about credit cards

You may have experienced getting a credit card on an impulse, and faced the traps and pitfalls that come with too much spending. Here are the best ways to avoid any problems.

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Learning more about credit cards and interest can help you manage your card effectively. Try these tips to make the most of your interest-free period on purchases.

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A small spending habit can make a big difference to your disposable income, so it can be worth taking a look at how and when you spend.

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Some simple, practical suggestions to help protect you and your card.

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How can we help you?

Important information

# Please view eligibility for preferential pricing

1 Source: Roy Morgan Research March 2013. Based on number of customers with rewards or loyalty cards.

2 You will not be liable for any unauthorised transactions, provided you comply with the Credit Cards Conditions of Use

∞ Cover is available for you, your spouse and your dependent children for return trips from Australia up to a set period when you use your CommBank Gold/Platinum/Diamond credit card or your CommAwards points to pay at least $1,000 of each person’s prepaid travel costs.  Restrictions and exclusions, including for pre-existing medical conditions and age 80 or over, limits and excesses may apply. Please refer to our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure available from CommBank or from any branch for full details, including definitions of key terms such as ‘spouse’ and ‘dependent children’. View our Financial Services Guide. (PDF 59kb).

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in our Letter of Offer. Bank fees and charges may apply. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. A Product Disclosure Statement (PDS) for CreditCard Plus is available online, from any Commonwealth Bank branch or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about CreditCard Plus. You can also download our Financial Services Guide (FSG). (PDF 59kb).

View Terms and Conditions for Electronic Banking (PDF 135kb), NetBank and CommBiz (PDF 325kb) and consider them before making any decision about these products. View our Certificate of Transit Accident Insurance (PDF).

^ Points are earned on eligible transactions (most purchases but not cash advances or balance transfers) and are subject to points capping. The earning and redemption of Awards points are subject to Commonwealth Awards Program Terms and Conditions.

~ The CommBank Business Awards Credit Card are Personal Liability Business Credit Cards. By applying, You (the individual that is applying for a Business Credit Card) acknowledge that the Business Credit Card you are applying for provides for Personal Liability. We will look to you (and no any company, partnership or other business entity that may employ or engage you) to recover all amounts charged using the Business Credit Card, including any amounts charged by an additional cardholder.

+ Changing to 13.49% p.a. from 1/6/14

*  as awarded by Canstar

± Ask a Myer team member in-store to check the redeemable value of your points. Points cannot be redeemed for cash. Minimum of 186 points, and a maximum of 1 million points redemption per day at Myer applies. Minimum redemption of 2,500 Awards points at Flight Centre applies. The redemption of Awards points for travel at Flight Centre Limited is subject to terms and conditions of the Commonwealth Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Limited (ABN 25 003 377 188) trading as Flight Centre, Escape Travel, Student Flights, Travel Associates & Cruiseabout. Lic No. QLD TAG262, NSW 2TA2719, ACT 18800224, VIC 31089, TAS TAS031, SA TTA254, WA 97A 589, NT 008.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass and Tap & Go are trademarks of MasterCard International Incorporated. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Commonwealth Bank of Australia.Commonwealth Bank American Express Card is issued and administered by Commonwealth Bank of Australia pursuant to a license from American Express.

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