Commonwealth Bank Credit Cards

Commonwealth Bank Super

Commonwealth Bank (CommBank) is a provider of credit cards, loans, bank accounts, investment products, and insurance products.

Compare Commonwealth Bank Credit Cards

If you’re considering a Commonwealth Bank card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

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Types of Commonwealth Bank Credit Cards

The Commonwealth Bank of Australia (also called CommBank) offers a range of 9 credit card products at the time of writing:

Rewards Cards:

  1. Diamond Awards Credit Card
  2. Platinum Awards Credit Card
  3. Gold Awards Credit Card
  4. Awards Credit Card

Low Fee Cards:

  1. Low Fee Credit Card
  2. Low Fee Gold Credit Card
  3. Student Credit Card

Low Rate Cards:

  1. Low Rate Gold Credit Card
  2. Low Rate Credit Card

We have outlined the features and rates of the Commonwealth Bank credit card suite below.

We have written separately about the Commonwealth Bank’s business credit cards; you can read about them here.

The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. CANSTAR is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement to determine all the current options and inclusions for the product you are considering.

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CommBank Diamond Awards Credit Card

FeaturesCommBank Diamond Awards Credit Card

  • Card type: American Express and Mastercard
  • Minimum credit limit: $15,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.
  • Rewards program: Earn Awards points for money spent using the card.

Source: CommBank

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CommBank Platinum Awards Credit Card

FeaturesCommBank Platinum Awards Credit Card

  • Card type: American Express and Mastercard
  • Minimum credit limit: $6,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.
  • Rewards program: Earn Awards points for money spent using the card.

CommBank Gold Awards Credit Card

About-Commonwealth-Bank-Business-Gold-Awards-Credit-Cards

Features

  • Card type: American Express and Mastercard
  • Minimum credit limit: $4,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.
  • Rewards program: Earn Awards points for money spent using the card.

CommBank Awards Credit Card

FeaturesCommBank Awards Credit Cards

  • Card type: American Express and Mastercard
  • Minimum credit limit: $500
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.
  • Rewards program: Earn Awards points for money spent using the card.

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CommBank Low Fee Gold Credit Card

FeaturesCommBank Low Fee Gold Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $4,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.

CommBank Low Fee Credit Card

CommBank Low Fee Credit Card

Features

  • Card type: Mastercard
  • Minimum credit limit: $500
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.

CommBank Student Credit Card

FeaturesCommBank Student Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $400
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.

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CommBank Low Rate Gold Credit Card

FeaturesCommBank Low Rate Gold Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $4,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.

CommBank Low Rate Credit Card

FeaturesCommBank Low Rate Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $500
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or Tap & Go using your smartphone with the digital wallet in the CommBank mobile banking app.
  • Online: Card can be managed through online banking and mobile banking app.
  • Security: Card protected by award-winning Lock, Block, Limit feature, Mastercard Zero Liability protection against unauthorised transactions, 100% fraud money back guarantee, secure online shopping with NetCode security code authorisations, chip technology, and 24/7 worldwide emergency assistance if you need a card replacement.

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CANSTAR provides an information service. It is not a credit provider, and in giving you information about credit products CANSTAR is not making any suggestion or recommendation to you about a particular credit product.
If you decide to apply for a credit card you will deal directly with the financial institution, and not with CANSTAR. Rates and product information should be confirmed with the relevant financial institution. For more information, read our detailed disclosure, important notes, and additional information.

Commonwealth Bank FAQs

To apply for a Commonwealth Bank credit card, you must be able to satisfy the following criteria:

  • At least 18 years old.
  • Permanent Australian resident.
  • Good credit history.
  • Proof of ability to make regular repayments.

For more information on eligibility requirements, refer to the Commbank website.

First, check whether you are eligible to apply for a Commonwealth Bank credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online – it takes less than 10 minutes if you are already a CommBank customer, according to CommBank. Have your ID and income details handy and check our list of documentation you may need when applying for a credit card.

You can expect to receive a response in less than 60 seconds (CommBank). In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time in your NetBank online banking portal or by calling 13 22 21.

You will have to activate the card when it arrives before you are able to use that card. Activate the card using NetBank online banking or by calling 13 22 21 (open 24/7, 7 days).

You can manage your Commonwealth Bank credit card through the NetBank online banking website or the CommBank mobile banking app. Use online banking to do things like view your recent transaction history, view your balance, request a change in credit limit, and more.

When interest is charged

Interest is charged when you carry a balance on your Commonwealth Bank credit card. Interest is charged on cash advances from the date of withdrawal (fees and charges apply) and balance transfers from the date of transfer.

When interest is not charged

Up to 55 interest-free days apply to Commonwealth Bank credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a Commonwealth Bank credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. Find out more about how credit limits are determined here.

You can close your Commonwealth Bank credit card account at any time by contacting CommBank:

  • Customer service: Phone 13 22 21 (within Australia) (open 24 hours, 7 days, Mon-Sun)

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact the customer service team to get help in making repayments.

If you are closing your Commonwealth Bank credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

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The Commonwealth Bank of Australia (CommBank) was founded in 1911 as the government bank for our young nation, and they remain Australia’s largest provider of financial services today. CommBank sponsors the Australian of the Year and Australian of the Day Award.

When it comes to corporate responsibility, CommBank does a lot to support the Australian business community. They distribute more than $2 million in community grants every year to organisations that invest in young people, dollar-match their Staff Community Fund donations giving, and enable staff volunteer hours.

As for teaching young people how to manage money well, CommBank starts at a young age with the oldest and largest School Banking program in Australia, Start Smart financial literacy workshops for primary and high school students, and the BeanStalk website.

CommBank has focused on sustainable business practices when it comes to protecting the environment. In 2015, they exceeded their targets by reducing emissions by 40% against 2009 levels. At CommBank headquarters, the corporate kitchens use sustainably sourced produce from their own vege and herb patch and from local farmers.

Source: CommBank

Commonwealth Bank Credit Card

CANSTAR Research
Rating:
Award: 3-Star Rating - Credit Card

Low Fee, Low Rate, Rewards

Low Fee (Gold) MasterCard, Low Rate (Gold) MasterCard, Standard Awards, Gold Awards

View the 2016 Credit Card Star Ratings Report

Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by purchase rate (lowest to highest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

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Written by: TJ Ryan | Last updated: