Commonwealth Bank Credit Cards

Commonwealth Bank logo

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).

 

More information about CommBank credit cards

We have summarised below some of the key features of various CommBank credit cards, according to the information available on its website at the time of writing.

CommBank Diamond Awards credit card

FeaturesCommbank Gold Awards Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $15,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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 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 and bonus for money using the card and bonus points on purchases made at certain ‘bonus partner’ retailers. Points earned have no expiry date, according to CommBank. 

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CommBank Platinum Awards credit card

FeaturesCommbank Platinum Awards Credit Card

  • Card type: Mastercard
  • Minimum credit limit: $6,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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 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 and bonus points on purchases made at certain ‘bonus partner’ retailers. Points earned have no expiry date. 

CommBank Awards 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 and 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 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 and bonus points on purchases made at certain ‘bonus partner’ retailers. Points earned have no expiry date .

Compare Rewards Credit Cards

CommBank Low Fee Gold credit card

Features

  • Card type: Mastercard
  • Minimum credit limit: $4,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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 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.
  • No international transaction fees: On purchases when you spend in-store or online.

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 and 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 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.

Compare Low Fee Credit Cards

CommBank Low Rate Gold credit card

Features

  • Card type: Mastercard
  • Minimum credit limit: $4,000
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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  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

Features

  • Card type: Mastercard
  • Minimum credit limit: $500
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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 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 Essentials credit card

Features

  • Card type: Mastercard
  • Minimum credit limit: $400
  • Contactless payments: Mastercard PayPass enables contactless payments using the card for purchases under $100. Or tap and 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 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.

We have also written separately about the Commonwealth Bank’s business credit cards.

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Commonwealth Bank Credit Card FAQs

To apply for one of its credit cards Commonwealth Bank says, you must be able to satisfy the following criteria:

  • Be at least 18 years old.
  • Be a permanent Australian resident.
  • Have good credit history.
  • Provide 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 CommBank 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.

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 by using the CommBank app or the CommBank online banking service, Netbank.

You can manage your CommBank credit card through NetBank online banking or the CommBank mobile banking app. By using online banking, you are able to 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 CommBank 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.

You can close your Commonwealth Bank credit card account at any time by using Netbank or the CommBank app.

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 CommBank credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

Compare Credit Cards

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.

If you’re comparing credit cards, the table below displays a snapshot of the low interest credit cards currently available on Canstar’s database for Australian’s looking to spend around $2,000 per month. Please note that this table features links direct to the providers website, and is sorted by Star Rating (highest to lowest). Use Canstar’s credit card comparison selector to view a wider range of credit cards..

Compare Rewards Credit Cards

Written by: TJ Ryan | Last updated: October 29, 2019