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CREDIT CARDS

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

Low Rate credit cards

With our lowest interest rate on purchases, our Low Rate credit card makes it easier to pay off your balance over time.

Low Rate credit card

Looking for lower interest on purchases? Our Low Rate credit card makes it easier to pay off purchases over time.

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 Rate Gold credit card

Stay in control of your finances with our lowest interest rate, plus handy extras like international travel insurance.

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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 credit cards

Enjoy $0 annual fee for the first year and each year you spend $1,000 or more (Low Fee and Student) or $10,000 or more (Low Fee Gold) in the previous year.**

Low Fee credit card

Enjoy the flexibility and convenience of a card with our lowest annual fee and plenty of extras.

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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

Student credit card

The CommBank Student credit card means no annual fee whilst a full time students plus it’s accepted at over 35 million locations worldwide.

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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 Gold credit card

Enjoy the flexibility and convenience of a card with a low annual fee and complimentary insurances.

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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 credit cards

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

Awards credit card

The freedom to redeem your points for almost anything, from the largest rewards credit card program of any Bank in Australia.

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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?

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or

Platinum awards credit card

Earn up to 2.5 Awards points for every dollar you spend and enjoy a host of other benefits from the CommBank Awards Program.

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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

Gold awards credit card

Earn up to 2 Awards points for every dollar you spend, plus other benefits like international travel insurance.

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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

Diamond awards credit card

The freedom to redeem your points for almost anything, from the largest rewards credit card program of any Bank in Australia.

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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 credit cards

Manage your business cash flow and 
get rewarded for your spend.

Business credit cards

Our Business credit cards are an ideal cash flow tool for your business with options such as rewards, no annual fee and a competitive interest rate find the right card for your business using our credit card selector tool.

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.

Learn more

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.

Learn more

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.

Learn more

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

Learn more

Things you should know

* Commonwealth Bank Flight Centre $5,000 gift card credit card promotion – Draws are weekly except for the final draw. The Promotion commences at 12:00am (AEDT) on 1 March 2017 and closes at 11:59pm (AEST) on 19 May 2017. To enter, you must apply for a CommBank personal/consumer or personal liability business card credit card by 30 April 2017 activate your new card by 19 May 2017. There will be Eight (8) prizes (one prize per draw). Each prize is a Flight Centre gift card valued at $5,000 AUD each. Each winner will be bound by the Flight Centre Travel Group Gift Card Terms of Use which can be found at www.flightcentre.com.au/giftcards. The computerised draws will be conducted at 4pm (Sydney time) at Level 2, Commonwealth Bank Place – South Building, 11 Harbour Street, Sydney NSW 2000 on the following dates: Cards activated from 1 March to 17 March 2017 – drawn 22 March 2017; cards activated from 18 March to 24 March 2017 – drawn 29 March 2017; cards activated from 25 March to 31 March 2017 – drawn 5 April 2017; cards activated from 1 April to 7 April 2017 – drawn 12 April 2017; cards activated from 8 April to 14 April 2017 – drawn 19 April 2017; cards activated from 15 April to 21 April 2017 – drawn 26 April 2017; cards activated from 22 April to 28 April 2017 – drawn 3 May 2017; cards activated from 29 April to 19 May 2017 – drawn 24 May 2017. Winners will be published in The Australian on the following dates: 3 April 2017; 17 April 2017; 1 May 2017; 8 May 2017 and 29 May 2017. The Promoter is Commonwealth Bank of Australia ABN 48 123 123 124 of Commonwealth Bank Place – Level 2, South Building, 11 Harbour Street, Sydney NSW 2000. Authorised under NSW Permit No: LTPS/17/10942, ACT Permit No: TP TP17/00101 and SA Permit No: T17/100. For full terms and conditions click here.

** 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 (Low Fee or Student) or at least $10,000 (Low Fee Gold) 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.

^ Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers). Membership of CommBank Awards is subject to the Terms and Conditions of the Commonwealth Awards Program.

Applications for finance are subject to the Bank’s normal credit approval. Full Conditions of Use 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.  

MasterCard and the MasterCard Brand Mark are registered 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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