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New ways to control your credit card

Take advantage of our new features in the CommBank app and NetBank to help you manage your card and keep on top of your spending.

You can now set a spending cap and decrease your credit limit in an instant. And if you’re not tapping your card to pay you can now lock and unlock contactless card payments with Lock, Block, Limit®. You’ll also find a budget planner, a repayment calculator and our MySpend tool. Everything you need to take total control of your credit card.

Stay in control with Lock, Block, Limit®

Lock, Block, Limit

Lock, Block, Limit is an award-winning feature that gives you more ways to customise your credit card via the CommBank app or NetBank.

Tell me more
  • Lock and unlock international in-store and online payments
  • Lock and unlock contactless card payments
  • Block and unblock ATM cash advances
  • Limit spend per transaction
  • Limit the overall spend on your card with a spending cap
Show me how in NetBank

Other ways to manage your credit card

You can decrease your limit or apply for an increase via the CommBank app or NetBank.

Credit limit invitations

Credit limit invitations

Choose to get credit limit invitations via the app or NetBank and we’ll let you know when you’re conditionally approved for an increase.

Increasing your limit

Increasing your limit

You can apply for a credit limit increase at any time, which can be handy to help you manage life’s unexpected expenses.

Decreasing your limit

Decreasing your limit

You can permanently decrease your limit if you'd like to. A lower limit can give you more control whilst still providing you with a borrowing safety net.

Spending Cap

Spending Cap

Setting a spending cap helps you keep on top of your spend. And you can still access additional funds if you need them.

More handy tools to control your money

Repayment Calculator

By paying a little extra each month, you can clear your credit card balance faster and pay less interest.

Visit the Repayment Calculator

Stay on track with MySpend

Keep track of your monthly expenses and group them into categories with MySpend.

Find out more about MySpend

Budget Planner

Use the Budget Planner to find out how much you could put away each month to reach your goals sooner.

Use our Budget Planner

Things you should know

Lock, Block, Limit does not 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 or via a PayTag are not blocked. Some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, and assisted cash withdrawals are also excluded. Other conditions apply.