Commonwealth Bank Credit Card Application

Information verified correct on September 26th, 2016
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Apply For A CBA Credit Card Online

Making a Commonwealth Bank credit card application is an easy process, but you must satisfy a certain criteria first, and you will need some personal and financial details to hand in when filling out the online form.

Criteria to apply for a Commonwealth Bank credit card:

  • You must be at least eighteen years of age.
  • You must be an Australian resident.
  • You must have a good credit history.
  • You must be in a financial position to make regular payments.

What are credit card ratings?

If you are applying for a Commonwealth Bank of Australia credit card (CBA credit card) online, the process should not take more than fifteen to twenty minutes.

You will need certain information for Commonwealth Bank to be able to process your application:

  • Your name, address, date of birth, email address and contact telephone numbers.
  • You present employment status.
  • The current state of your finances, including your income, your expenses and any major assets you own.
  • If you are self employed, your accountant’s details.
  • If you intend to make a balance transfer from another card, you must provide details of the card you would like the transfer to be made from, including the account name, the account number, and the amount you wish to transfer.

Comparison of Commonwealth Bank Credit Cards

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Low Rate Credit Card
This card offers a low ongoing rate of 13.49% p.a. on purchases. Enjoy an annual fee waiver for the first year if you apply online by 31 October 2016.
13.49% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($59 p.a. thereafter) More info
Commonwealth Bank Low Fee credit card
Enjoy a low annual fee credit card with $0 annual fee for the first year and every year after if you spend at least $1,000 in the previous year. Also enjoy up to 55 interest-free days on purchases.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) More info
Commonwealth Bank Low Fee Gold Credit Card
Enjoy Gold card privileges such as included travel insurance and up to 55 interest-free days on purchases. Receive $0 annual fee for the first year and every year after if you spend $10,000 in the previous year.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) More info
Commonwealth Bank Awards credit card
A dual credit card with up to 1.5 Awards points per dollar spent. Enjoy a $0 annual fee for the first year if you apply online by 31 October 2016.
20.24% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($59 p.a. thereafter) More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and enjoy included travel insurance. Receive $0 annual fee for the first year if you apply online by 31 October 2016.
20.24% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($119 p.a. thereafter) More info
Commonwealth Bank Low Rate Gold credit card
A low rate card with $0 annual fee for the first year if you apply online by 31 October 2016. Also enjoy up to 55 days interest-free on purchases.
13.49% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) More info
Commonwealth Bank Platinum Awards Credit Card
Receive Platinum benefits including up to 2.5 Awards points per dollar spent, included travel insurance and 24/7 concierge. Enjoy an annual fee waiver for the first year if you apply online by 31 October 2016.
20.24% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($249 p.a. thereafter) More info
Commonwealth Bank Diamond Awards credit card
Earn up to 3 Awards points per $1 spent with a limit of 1 million points per year. Also receive a first year annual fee waiver if you apply online by 31 October 2016.
20.24% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($349 p.a. thereafter) More info
Commonwealth Bank Student Credit Card
Manage your spending with $0 annual fee for the first year and up to 55 days interest-free on purchases.
19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) More info

What happens next in the Commonwealth Bank credit card application process?

Once the application for a Commonwealth Bank credit card has been submitted, you will be kept informed as to the progress at each successive stage, hence the necessity for providing accurate contact details. If the bank requires any more information from you, you will be informed of this within five days.

If you’re eligible for a Commonwealth Bank credit card, you will need to undergo an identity check, which is mandated by the Australian government. (This is not necessary if you are already a customer of Commonwealth Bank.) After your application is submitted, Commonwealth Bank will send you a letter requiring this proof of identification. This can be completed by having certain documents copied, then verified by an independent person of a specified background. These can then be mailed back to the bank. Alternatively, you can take these documents into a branch of the Commonwealth Bank so a bank representative can check them.

After all the information has been fully verified, you will receive your Commonwealth Bank credit card within ten working days, and your PIN under separate cover. The only thing left for you to do is to activate it, and start using it.

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2 Responses to Commonwealth Bank Credit Card Application

  1. Default Gravatar
    Laura | January 4, 2015

    I’ve recently applied for a credit card and received an email shortly after informing me that I had been conditionally approved and that they need to see my wage slips and photo I.D.
    I went into a branch and provided the documents in person,they were uploaded into the system.
    My question is this:Is that all the bank needs from me,will my card automatically be sent out now?
    I can’t get any info about my application Over the phone as being a new customer they can’t ID me with the limited info they have on me and I can’t get to a branch anytime soon due to my work hours
    Thanks!

    • Staff
      Elizabeth | January 5, 2015

      Hi Laura,

      Thanks for your question.

      If further information is required from you then Commonwealth Bank will get in contact with you. If they were the only documents that were required, and if these documents match the information you provided in your initial application, then your application will likely be approved following your providing these documents. Your card will then be sent out to you. Commonwealth Bank usually takes about ten working days from approval to get your card to you.

      I hope this has helped.

      Thanks,

      Elizabeth

Credit Cards Comparison

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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