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Activate and manage

Activate and create a PIN

To activate all cards on your account (including your additional cardholder’s) and set up your own PIN, either:

  • Go to www.commbank.com.au/activate, enter your NetBank log on details and follow the prompts;
  • Log on to the CommBank app, select your inactive card and then select Activate card.
  • Visit any branch; or
  • Call us on 13 2221.

You will also need to:

  • Update any direct debits with your new card details.
  • Sign the back of your card, and make sure your additional cardholder signs theirs.
  • You can also set up payment reminders and AutoPay your bills to help avoid fees and charges.

Only the primary cardholder (the person who opens the credit card account with us) can activate the additional card.

Once activated make sure you sign the back of your card and set a PIN.

You must set a PIN before you can use your card, either:

  • Log onto NetBank and click the More tab. Then click Manage my accounts and follow the links;
  • Log onto the CommBank app, select Cards then select Choose PIN
  • Visit any branch; or
  • Call us on 13 2221.

Find a branch

Transfer a credit card balance

  • A credit card balance transfer is when you request to transfer a balance owing on a personal, Australian-issued credit or store card with another provider to your CommBank credit card
  • No fee is charged to make the transfer, but interest applies from the date of transfer

  • You could save money on interest payments and reduce fees paid across a number of credit and store cards
  • You no longer have to manage multiple credit cards
  • Existing CommBank customers don’t have to open a new account – simply request a balance transfer in two easy steps in NetBank

Important information

*At the end of the five-month period, any remaining transferred balance will be charged interest at the cash advance rate of 21.24%p.a.  Interest rates and fees are subject to change. These savings have been calculated based on an assumed competitor interest rate of 19% p.a. for 5 months. You may have a lower or higher standard rate on your credit or store card. The calculations assume that the competitor interest rate does not change over the term of the balance transfer, that all minimum monthly payments are made when due, that no other transactions are made on the competitor credit or store card during that period, and that no fees or charges apply.  All figures are for illustrative purposes only and should not be taken as financial forecast or projection.  For conditions relating to the balance transfers, refer to the Credit Cards Conditions of Use.

Switch to online statements

  • Online statements offer a convenient way to manage your finances, help reduce paper clutter and ease the strain on the environment
  • View, download and print up to seven years of past statements and up to two years of transactions for your credit card account
  • See your statements instantly
  • Receive an email when a new statement is available
  • Use printed online statements as legitimate documents for Centrelink and the Australian Taxation Office as evidence of account transactions or  balances (not acceptable as proof of identity)
  • Statements are securely stored in NetBank

  • Log on to NetBank
  • Go to the ‘View accounts’ tab
  • Select ‘Statements’ and follow the steps
  • If you’re not registered for NetBank and would like to view your statements online, register now

Set up direct debits

  • Choose the bills you want to pay automatically – you can pay variable or set amounts by direct debit
  • Contact each service provider (for example, your gas, electricity or mobile phone provider) and give them:
    • Your CommBank credit card number
    • Credit card expiry date
    • Card verification code (the last three digits on the back of your MasterCard® or Visa Credit card; or the four digits located on the front of your American Express ® Card, on the right side)

  • Contact your service providers (gas, electricity, mobile phone, etc) and let them know; or
  • Use our online switching service

  • A CommBank credit card account
  • Details of your regular direct debits and credits (e.g., phone and electricity bills, share dividends)
  • Your new CommBank credit card details
  • Your previous bank account details

Switch now

Minimise fees

  • Minimise or avoid credit card fees by setting up a payment reminder in NetBank or calling 13 2221. You will receive an SMS or email five days before credit card payment due date
  • Set up an email balance alert weekly, fortnightly or monthly. To get started, click here to set up alerts in NetBank. From the Message preferences page, click on the Account alerts tab to set up a payment reminder
  • Not registered for NetBank? Register now

  • Avoid late payment fees (provided you have adequate funds in the nominated account funding the direct debit) by setting up a monthly direct debit using AutoPay
  • Choose to pay a minimum monthly payment, a set monthly amount or the closing balance on your previous statement

Set up AutoPay
  • For accounts opened on or after 1 July, 2012, we’ll notify you if you go over your credit limit (once in a statement period)
  • For accounts opened before 1 July, 2012, exceeding  your approved credit limit will attract a $10 overlimit fee
  • You may want to consider applying to increase your limit if you’re regularly spending close to or over your limit

Change your limit
  • Use the interest-free period on purchases instead of regularly paying for items with your transaction account to reduce excess transaction fees
  • As long as you pay your full closing balance by the statement due date every month, you won’t pay any interest with your CommBank credit card

Learn more
  • For accounts opened on or after 1 July, 2012, exceeding your approved credit limit will not attract an overlimit fee
  • For accounts opened before 1 July, 2012, exceeding  your approved credit limit will attract a $10 overlimit fee
  • You can opt out of being able to spend more than your limit
  • If you do opt out, any transactions that would result in you exceeding your limit may be declined at the point of sale. Some transactions (such as those made offline) may still be approved and result in you going overlimit
  • To opt out, call 13 2221 at any time or visit a branch

  • Avoid multiple fees and interest charges by having one CommBank credit card account
  • Pay by the due date to avoid a $20 late-payment fee
  • Avoid late fees by setting up AutoPay

  • Interest is calculated from the day you make a cash withdrawal with your credit card
  • Fees may be charged on any withdrawal
  • Avoid using non-CommBank ATMs

AutoPay your credit card bills

  • Simplify your credit card repayments by setting up automatic payments
  • Avoid incurring a $20 late-payment fee

With AutoPay, an automatic direct debit from your savings or transaction account can cover your choice of:

  • The full closing balance due each month
  • A set amount each month
  • The minimum amount due each month

Further reading

How can we help you?

Important information

*At the end of the five-month period, any remaining transferred balance will be charged interest at the cash advance rate of 21.24%p.a.  Interest rates and fees are subject to change. These savings have been calculated based on an assumed competitor interest rate of 19% p.a. for 5 months. You may have a lower or higher standard rate on your credit or store card. The calculations assume that the competitor interest rate does not change over the term of the balance transfer, that all minimum monthly payments are made when due, that no other transactions are made on the competitor credit or store card during that period, and that no fees or charges apply.  All figures are for illustrative purposes only and should not be taken as financial forecast or projection.  For conditions relating to the balance transfers, refer to the Credit Cards Conditions of Use.

MasterCard® and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. American Express is a registered trademark of American Express. The 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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