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CREDIT CARDS

Choose from our range of nine Low Rate, Low Fee and Awards cards.

Your choice of credit cards

Low Rate

Low Rate credit card

Low Rate credit card

With an interest rate of 13.49% 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 international travel insurance included with your credit card.

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How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Low Fee

Low Fee credit card

Enjoy $0 annual fee for the first year and each year you spend $1,000 or more in the previous year (alternatively a $29 annual fee applies).**

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How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

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.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

Business

Business credit card

Business credit card

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

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How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply now

or

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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Things you should know:

** We'll waive your annual fee for the first year, and then continue to waive your annual fee each subsequent year as long as you spend at least $1,000 in the previous year (on purchases and cash advances only).

1 Source: Roy Morgan Research September 2014. 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

Important information

*We'll waive your annual fee for the first year. You’ll continue to pay no annual fee in subsequent years as long as you spend at least $1,000 using your Student Card in the previous year (on purchases and cash advances only). If you spend less than $1,000 in the previous year and you are a Student, simply present your Student identification in branch following charging of the annual fee to request a refund.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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, balance transfers, or payments to the Australian Taxation Office unless made using a Business Awards card) 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.

*  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. A minimum redemption and a maximum of 1 million points redemption applies per day.  Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. 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.

#Provided you have complied with the CommBank Credit Card Conditions of Use and immediately notify us of the loss, theft or misuse of your card, PIN or password and of any suspicious activity on your account.

+To access the lock, block and limit features on the CommBank app, you need to have Android 2.3+ operating system and above or iOS 5.0+ operating system. Not available on Windows Phones. Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply.

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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