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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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An increase to your credit card limit can come in very handy, but also comes with potential risks. Here are some things to think about before raising your limit.

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Your credit card can be a lifeline while you're abroad, so make sure you set it up and use it correctly to take full advantage of what it has to offer.

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Things you should know

Offer applies to new personal Low Rate and Low Rate Gold / Low Rate Business Credit Cards (personal liability) applied for between 1 November 2017 and 4 February 2018 only. To be eligible for the $300 cashback, you need to spend $1,000 on eligible purchases using your new card within the first 90 days of card activation. Excludes balance transfers, cash advances and any purchase that is reversed or refunded. Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any of the above cards types in the 12 months prior to 1 November 2017. Offer only available on one credit card per customer, can be withdrawn at any time, and cannot be used in conjunction with any other offer. Cash back will be credited within 60 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $300’. You will be ineligible for the cash back if your account is closed, switched to another card, or in default at any time prior to the cash back being credited to your account.

Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges apply. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Please view our Credit Card Conditions of Use.