Help & support
Activate your credit card in the CommBank app or in NetBank and create your own PIN.
Digital wallets are a convenient and secure way to access your credit card without the need to carry a physical card. Add your credit card to your digital wallet so you can shop online and make purchases in store with just a tap.
Stay up to date by turning on notifications in your profile in the CommBank app. We’ll send you security updates, late payment alerts and actions that need your attention.
You can have one additional cardholder on your CommBank credit card, who must be at least 16 years old.
You can get regular payments such as bills debited from your credit card automatically. This can be for a fixed or variable amount.
Stay on top of your spending by switching on your transaction notifications in the CommBank app. You’ll receive instant alerts when you pay using your credit card.
You can activate, cancel or replace your credit card from your mobile using the CommBank app.
You can activate, cancel or replace your credit card from your laptop or desktop computer using NetBank.
Access your card details in the CommBank app with your digital CommBank credit card.
Enjoy extra control and security in real time using the CommBank app or NetBank.
You can customise your card settings to control how you use your card and adjust your security preferences to give you peace of mind when you need it most.
We can help you stay on track with your credit card spending in the CommBank app.
We’re here to help you feel confident and in control of your financial journey. By paying the total amount owing on your statement by the due date, you can avoid interest charges and any unnecessary fees. Pay at least the minimum by the payment due date to avoid a late fee and be able to continue using your card.
Ensure you never miss a payment by setting up AutoPay on your account. You can choose to pay the minimum amount, a fixed amount or the full balance automatically each month.
Your statement is designed to help you find your payment summary, review your transactions, see our latest offers and keep you up to date with important messages, such as changes to your credit card from time to time.
A credit card can help smooth your cash flow. To make the most of your credit card, it’s important to understand the components that make up your balance.
Whether it’s a new laptop, a travel adventure or moving expenses, get more flexibility over your spending with SurePay. You can turn a single purchase into a SurePay plan and pay it off in monthly instalments over a choice of 3, 6 or 12 month terms, interest free2.
Credit cards come with extra costs. Make sure you know what they are and how to avoid or at least minimise them.
Taking advantage of your card’s interest-free period can help you smooth your cash flow.
Replace the clutter of paper statements, reduce your paper waste and look back at old statements anywhere, anytime.
CommBank Yello is our rewards and recognition program, designed to help you get more from your banking. Eligible customers can enjoy personalised offers, discounts, presale access and exclusive experiences, plus earn and redeem CommBank Yello points through eligible shopping, travel and other Yello offer.
CommBank Yello eligibility criteria, including holding an eligible transaction account are required. Offer and CommBank Yello T&Cs apply.
Planning your next holiday? With your CommBank credit card, you can now access Travel Booking provided by Hopper. Travel Booking is an exclusive new value-packed way to book flights and hotels via the CommBank app3.
Discover what sets Travel Booking apart, explore a wide range of hotel destinations and airlines on offer. Make seamless bookings at thousands of hotel destinations and confidently book flights with the Price Prediction tool and Best Price Guarantee, helping you find the best deal.
Get included protection to cover the cost of your smart phone’s screen repair when you’ve purchased your phone in the last 3 years using your card or pay your phone plan with it.
Eligible Smart Cardholders can claim up to $500 of the cost of the screen repair (10% excess applies)
Eligible Ultimate cardholders can claim up to $1,000 of the cost of the screen repair (10% excess applies)4
International travel insurance for cardholders, their spouse, and accompanied children travelling with them for the entire journey, is available with these CommBank credit cards:
For eligible credit cards
To receive cover, including Overseas Medical cover, before you leave Australia you must:
Learn more about international travel insurance included on your card
Get covered before you travel with international and domestic travel insurance plans that you can tailor for yourself and up to 10 people travelling with you for the entire journey.4
Mastercard Travel Pass (with DragonPass) and Travel Rewards
Making sure your credit card is always secure is one of the most important parts of managing your card.
Card switching is not available for CommBank Neo or Interest-free Low Fee.
Common credit card mistakes to avoid
Having a good idea of how you’ll use your credit card can help you choose one that best suits your needs.
An increase to your credit card limit can come in very handy, but also comes with potential risks.
1 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.
2 You won't be able to apply for an instalment plan if you don't meet our criteria (e.g. if you have exceeded your limit or you are in default). Instalment plans are not available on CommBank Neo, Interest-free Low Fee credit card, non-Awards Business Cards, corporate cards or balance transfers. The terms of the CommBank Credit Card Conditions of Use relating to instalment plans (section 5) applies for all cards except for the Interest-free Low Fee card, which is covered by the Interest-free Low Fee terms and Conditions.
While you have an instalment plan, we apply your credit card payments first to your current monthly instalments. This will apply even when you have other card balances with a higher interest rate, such as cash advances and purchases not on a plan.
Any interest-free period on purchases will no longer apply once the purchase is put on a plan.
You can cancel your instalment plan at any time. When a cancellation is processed, the outstanding instalment balance will be transferred to your purchases balance and accrue interest from the transfer date at the standard purchase interest rate applicable on your account.
If you miss a monthly instalment payment, the unpaid instalment amount for that month will be returned to your main balance and charged interest at the standard purchase rate.
If you fail to make your monthly instalments on your SurePay instalment plan for three consecutive months, we’ll cancel the SurePay instalment plan. Any remaining SurePay instalment balance and any interest on the cancelled plan will be transferred to your purchase balance and will be payable at the card purchase interest rate .
SurePay Purchase Plan terms and conditions
3 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card. Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
For more information, read the full Travel Booking Terms and Conditions.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
4 Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order to have a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Card Insurances Combined Product Disclosure Statement and Financial Service Guide and Card Travel Insurance Target Market Determination for details. For purchasable Travel Insurance, see Travel Insurance Combined Product Disclosure Statement and Financial Services Guide and Travel Insurance Target Market Determination. Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Commonwealth Bank) receive a commission which is a percentage of your premium.
5 Gold Awards cards are no longer available for sale from 23 March 2018.
6 Platinum Awards & Diamond Awards cards are no longer available for sale from 3 June 2023.
7 For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate before leaving Australia to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points or Travel Booking travel credits (prior to 29 September 2026) or using CommBank Yello points or Travel booking credits (from 29 September 2026). Customers will need to provide a copy of the letter/statement/email confirming the redemption, or a screenshot of the Travel Booking confirmation with the payment method.
8 Before activating the international travel insurance included in your CommBank credit card please read the Card Insurances Combined Product Disclosure Statement and Financial Service Guide and Card Travel Insurance Target Market Determination for details. If you have activated international travel insurance included in your CommBank credit card before 29 September 2026, please refer to the Card Insurance Combined Product Disclosure Statement & Financial Service Guide (prior to 29 September 2026)
9 To gain access to participating airport lounges, you must register your Smart and Ultimate credit card on the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com. generate a membership QR code and present this along with your boarding pass for validation. Ultimate customers receive two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Smart customers will pay a fee. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass.
10 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart and Ultimate Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. Cashbacks may take up to 30 days to appear on your statement. Visit Mastercard Travel Rewards for a list of participating merchants and to find out more
CommBank acknowledges the Traditional Owners of the lands across Australia as the continuing custodians of Country and Culture. We pay our respect to First Nations peoples and their Elders, past and present.
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