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Add an additional cardholder

  • Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account
  • You can have one additional cardholder and they must be at least 16 years old. They’ll get a card with their name but with your account number.

  • Make purchases and cash advances
  • Make payments on the account
  • Setup or change their PIN (for their card only)
  • Check the balance and transaction history via NetBank and telephone banking
  • Order a replacement card if their card is damaged
  • Cancel their card
  • Order a statement – if this is a duplicate, it will be sent to the primary cardholder’s address. If they request a faxed statement, the primary cardholder’s permission is required.
  • Report a lost or stolen card – we’ll put a stop on the account, which includes both cards. You’ll need to contact us to set up a replacement account and reissue both cards
  • Redeem CommBank Awards points if you have a CommBank Awards credit card
  • Receive a CommBank Awards American Express® Card if you receive one

The primary cardholder:

  • Is legally responsible for any transactions made by the additional cardholder

The additional cardholder:

  • If you have a Student, Low Fee, Low Fee Gold, Low Rate or Low Rate Gold credit card, you can add an additional cardholder at no extra cost
  • Add an additional cardholder for Awards, Gold Awards, Platinum Awards or Diamond Awards credit cards for $10 a year.

If your additional cardholder is a CommBank customer, you can complete an additional cardholder application (PDF 552KB) and:

  • Post it to: Reply Paid 72551, CBA Credit Cards, Parramatta NSW 2124; or
  • Hand it in at any branch

If your additional cardholder is not a CommBank customer, they’ll need to:

  • Visit a branch with you so we can check their identification. They should bring photo ID (e.g. Passport, Driver’s Licence or Proof of Age card)
  • If they are unable to go to a branch, they can complete an identification form (PDF 140KB) that you can take to a branch for them


Change your credit limit

  • An increase can give you more freedom to buy the things you need, when you need them. Also having access to additional funds can help you handle emergencies and life’s unexpected expenses.
  • To help you keep on top of how much you spend, you can set a spending cap instead of decreasing your limit. A spending cap allows you to cap the overall spending on your credit card.

Registering for credit limit invites means we’ll let you know when you’re conditionally approved for an increase. This way, if we send you an invitation, you can apply with a shorter process. Register in NetBank or the CommBank app.

  • If you’ve received an invitation, you can apply in NetBank or the CommBank app in a few quick steps.
  • If we haven’t sent you an invitation or if you’re not registered for credit limit invites, you can apply for an increase in NetBank at any time by completing a credit application.

If you’re the primary cardholder, you can change or turn your spending cap off at any time in NetBank or the CommBank app.

  • In NetBank, Log on and go to Settings
  • In the CommBank app, tap Cards > Credit card > Spending cap.

You can decrease your limit in NetBank or the CommBank app.

  • In NetBank, Log on and go to Settings
  • In the CommBank app, tap Cards > Credit card > Credit limit.

Get an American Express card

  • There’s no extra cost to you if you already have a CommBank Awards Mastercard or Visa credit card
  • You’ll have two cards, with the convenience of one account, one credit limit, one balance, one statement, one annual fee and the same interest rates
  • You still get to enjoy the convenience of worldwide acceptance at over 43 million locations with your CommBank Mastercard or Visa credit card#
  • You’ll earn points faster when using your CommBank Awards American Express card overseas and at supermarkets, department stores and petrol stations in Australia. Here’s what you’ll earn for every dollar you spend. 

American Express

Mastercard / Visa

Up to 1.5 points*

1 point

Up to 2 points*

1 point

Up to 2.5 points*

1 point

Up to 3 points*

1.25 points

If you’re an existing CommBank Awards cardholder, you can request a CommBank Awards American Express card at no extra cost.

If you’re not registered for NetBank, you can register online.

Upgrade your credit card

  • Call 13 2221, 24 hours a day, seven days a week, or
  • Complete the request form and hand it in at any branch, or mail to (no stamp required) CBA Credit Cards Reply Paid 72551, Parramatta NSW 2124
  • If your upgrade request is approved, we will send you a letter of offer and your card within 10 working days
  • Once you have activated your new card/s, your old credit card account will be closed
  • Direct debits and regular payments will not be automatically transferred over to your new card – you will need to do this
  • Our online switching service can help you switch regular direct debit payments to your new credit card account


You can still view your past statements for your old account in NetBank:

1. Click on ‘View accounts’
2. Click on ‘Statements’
3. Click on ‘View closed accounts’
4. Finally, click on the old account number to display the statements for that account

Please note that it can take up to five business days for old statements to be available after you’ve activated your new card.

Important information

# The Nilson Report, Issue 1095 September 2016.

*Points are earned on eligible transactions and are subject to points capping. You'll earn the maximum points per $1 spent when using your American Express card for eligible transactions overseas and at a Higher Points Merchant, which means a business classified as a 'supermarket', 'department store' or 'service (petrol) station' for the purposes of American Express transactions, excluding any business or organisation paid using an intermediary payment platform, for example, PayPal; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the Commonwealth Awards Programs Terms and Conditions for more information.

Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. American Express is a trademark of American Express. CommBank Awards American Express Cards are issued by Commonwealth Bank of Australia pursuant to a license from American Express.