Commonwealth Bank Credit Cards

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Low fee and low rate through to platinum and diamond and rewards, Commonwealth Bank Credit Cards are for all Australians

The Commonwealth Bank wants to help all Australians with their banking needs. Through their network of branches — they have the largest branch network in Australia — the Commonwealth Bank has a national reach. Commonwealth Bank credit cards cater to Australians.

Whether you want either a budget or a premium credit card product — they’re the only lender to offer a diamond credit card and university students can benefit from a low fee credit card too — compare Commonwealth Bank credit cards.

Commonwealth Bank Low Rate Credit Card

Commonwealth Bank Credit Card Offer

The Commonwealth Bank Low Rate credit card offers a low ongoing interest rate on purchases everyday and up to 55 days interest free days on purchases.

  • $59 p.a. annual fee
  • 13.49% p.a. on purchases
  • 5.99% p.a. for 5 months on balance transfers
  • Cash Advance Rate of 21.24% p.a.
  • Up to 55 days interest free

Comparison of Commonwealth Bank Credit Cards

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
A low fee credit card with $0 annual fee for the first year combined with up to 55 interest free days on purchases.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
3 months VISA/MC: 1 AMEX: 2 20.24% p.a. 5.99% p.a. for 5 months $119 p.a. Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
3 months VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as complimentary international travel insurance with interest-free days and $0 annual fee for the first year.
3 months VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
6 months 80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
12 months 80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info
Commonwealth Bank Student Credit Card
Enjoy no annual fee for the life of the card, up to 55 interest free days, and a balance transfer offer.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. More info
Commonwealth Bank Corporate Credit Card
Minimise your business costs by controlling transaction limits and monthly spending limits.
0 months 17.57% p.a. $40 p.a. More info
Commonwealth Bank Corporate Charge Card
An easy to use card that can let you manage your business' purchases and travel expenses.
0 months $40 p.a. More info
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Types of credit cards from the Commonwealth Bank

Commonwealth Bank offers credit cards from low rate to premium. The range of Commonwealth Bank credit cards includes:

  • Balance transfer credit cards

    You can apply for a balance transfer at the same time as applying for a new Commonwealth Bank credit card. You’ll also be required to provide details regarding the transfer, so make sure to have these on hand before beginning the application. Once your application is approved, it can take up to 10 business days for the card to be delivered. Learn more about the steps to how to balance transfer with Commonwealth Bank.

Rates last updated February 5th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
5.99% p.a. for 5 months 13.49% p.a. $59 p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
A low fee credit card with $0 annual fee for the first year combined with up to 55 interest free days on purchases.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
5.99% p.a. for 5 months 20.24% p.a. $119 p.a. Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
5.99% p.a. for 5 months 13.49% p.a. $89 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
5.99% p.a. for 5 months 20.24% p.a. $59 p.a. Go to site More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as complimentary international travel insurance with interest-free days and $0 annual fee for the first year.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
5.99% p.a. for 5 months 20.24% p.a. $249 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
5.99% p.a. for 5 months 20.24% p.a. $349 p.a. Go to site More info
Commonwealth Bank Student Credit Card
Enjoy no annual fee for the life of the card, up to 55 interest free days, and a balance transfer offer.
5.99% p.a. for 5 months 19.74% p.a. $0 p.a. More info
Commonwealth Bank Corporate Credit Card
Minimise your business costs by controlling transaction limits and monthly spending limits.
17.57% p.a. $40 p.a. More info
Commonwealth Bank Corporate Charge Card
An easy to use card that can let you manage your business' purchases and travel expenses.
$40 p.a. More info
Rates last updated February 5th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
St.George Vertigo Platinum
Manage your credit card debt with 0% for 20 months on balance transfers and make any purchases interest free 0% for 3 months.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit when you apply online by and repay your credit card balances over 12 months with 0% p.a. interest. Plus enjoy $0 annual fee for life.
0% p.a. for 12 months 14.99% p.a. $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a 0% interest rate for 16 months on balance transfers.

0% p.a. for 16 months 20.74% p.a. $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Benefit from a low interest rate on your everyday purchases combined with a long term 0% p.a. balance transfer offer for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $0 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Interest Visa Card offers a balance transfer offer of 0% for 24 months. Apply by 30 April 2016.
0% p.a. for 24 months with 2.5% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee. Also receive $100 off a single Coles Supermarket shop if you apply and are approved by 9 February 2016.
0% p.a. for 6 months 12.99% p.a. $49 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Receive a $100 Gift Card with a $0 annual fee for the first year if you apply before 31 March 2016. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 rewards points per $1 spent.
0% p.a. for 14 months 19.99% p.a. $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
NAB Premium Card
Enjoy purchasing with 0% for 15 months during your long term balance transfer offer with Platinum credit card advantages.
0% p.a. for 15 months 0% p.a. for 15 months (reverts to 19.74% p.a.) $90 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Enjoy 15,000 bonus Velocity Points and earn 2 points for every $1 you spend, together with a $0 annual fee. Also receive 0% for 12 months on balance transfers.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
Get 0% p.a. on balance transfers and purchases for 9 months if you apply by 30 April 2016.
0% p.a. for 9 months 0% p.a. for 9 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
0% p.a. for 20 months 0% p.a. for 3 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
0% p.a. for 6 months 19.99% p.a. $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 14 months to help you manage your existing credit card balance. Earn 10,000 bonus Velocity Points in the first 3 months.
0% p.a. for 14 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Credit Card
No annual fee for life of the credit card with a balance transfer offer. Also comes with a low interest rate and up to 55 days interest-free on purchases.
0% p.a. for 6 months 17.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
0% p.a. for 18 months 0% p.a. for 3 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, platinum card benefits including complimentary insurances and 24/7 concierge with $0 p.a. annual fee for the first year.
0% p.a. for 16 months 19.84% p.a. $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Coles No Annual Fee MasterCard
Get a balance transfer offer of 0% p.a. for 6 months, enjoy paying no annual fee ever, and earn flybuys points on everyday purchases.
0% p.a. for 6 months 19.99% p.a. $0 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info

Learn more about balance transfers here

  • Low fee credit cards

    Low fee credit cards are all about cutting back on charges. A low or no annual fee is the main hallmark of a low fee credit card. If you hold a qualifying Commonwealth Bank account, the annual fee is waived altogether.

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Low Fee Credit Card
A low fee credit card with $0 annual fee for the first year combined with up to 55 interest free days on purchases.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($29 p.a. thereafter) Go to site More info
Commonwealth Bank Low Fee Gold Credit Card
Gold card privileges such as complimentary international travel insurance with interest-free days and $0 annual fee for the first year.
3 months VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
Commonwealth Bank Student Credit Card
Enjoy no annual fee for the life of the card, up to 55 interest free days, and a balance transfer offer.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. More info
Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Exclusive Offer to finder.com.au

$0 annual fee for life, earn 15,000 Velocity bonus points when you spend $300 in the first 3 months.

15,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

Enjoy a $0 p.a. annual fee for the first year.

6 months VISA/MC: 2 AMEX: 0 20.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Receive a $100 Gift Card with a $0 annual fee for the first year if you apply before 31 March 2016. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 rewards points per $1 spent.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
0 months 9.99% p.a. $0 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
6 months 75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
HSBC Credit Card
A no annual fee for the life of the credit card. Plus a low balance transfer offer and interest-free finance at over 1,000 retailers across Australia.
VISA/MC: 0 AMEX: 0 17.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
No annual fee for the life of the card and earn 0.5 flybuys points per dollar spent.
VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info

Learn more about Low Fee Credit Cards

  • Low rate credit cards

    The Commonwealth Bank Low Rate Credit Cards give you a low ongoing purchase rate of interest. There’s a standard low rate card and a gold low rate credit card. The gold low rate credit card comes with a few extra perks, like complimentary insurance.

 
Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
3 months VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Go to site More info
 
Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Low Rate Credit Card
Manage your existing credit card balance with 0% for 24 months on balance transfers with a low annual fee.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee. Also receive $100 off a single Coles Supermarket shop if you apply and are approved by 9 February 2016.
VISA/MC: 0.5 AMEX: 0 12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
St.George Vertigo Platinum
Enjoy platinum card benefits with a long term balance transfer and 0% on purchases for 3 months with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Take advantage of this exclusive offer and enjoy 0% p.a. for the first 9 months on balance transfers and purchases when you apply by 29 February 2016
VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 months $30 p.a. Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
0 months 9.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
A low rate shopping credit card offering a low ongoing rate on purchases plus a low balance transfer offer.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with promotional rates on purchases and 0% p.a. for 20 months on balance transfers, complimentary insurances and 24/7 concierge.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
A $150 limited time cashback offer and a low ongoing purchase rate.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
ANZ Low Rate
Save on your existing credit card interest with 0% for 18 months on balance transfers with a low annual fee and low ongoing purchase rate.
VISA/MC: 0 AMEX: 0 13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
ANZ Low Rate Platinum Credit Card
Access Platinum card features with a low annual fee, including overseas medical and travel insurance and a low interest rate on purchases.
6 months 13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $99 p.a. Go to site More info
BankSA Vertigo Visa
A low rate credit card with 0% for 18 months on balance transfers and low ongoing purchase rate from BankSA.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Bankwest Breeze MasterCard
Enjoy low ongoing purchase rate with long term balance transfer offer.
VISA/MC: 0 AMEX: 0 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $59 p.a. Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest free purchasing and 0% p.a. for 9 months on balance transfers.
0 months VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
Bankwest Breeze Platinum MasterCard
Enjoy Platinum card benefits offering no foreign transaction fees on online and overseas purchases, complimentary travel insurance and a promotional balance transfer offer of 0% p.a. for 21 months.
6 months VISA/MC: 0 AMEX: 0 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $99 p.a. Go to site More info
Bankwest Breeze Gold MasterCard
Receive premium card benefits with complimentary travel insurance and 0% p.a. for 21 months on balance transfers.
3 months VISA/MC: 0 AMEX: 0 12.99% p.a. 0% p.a. for 21 months with 2% balance transfer fee $89 p.a. Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% for 20 months on balance transfers and annual fee if you apply by 30 March 2016.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
Commonwealth Bank Low Rate Gold Credit Card
A low rate card that comes with up to 55 days interest-free on purchases combined with complimentary international travel insurance.
3 months VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $89 p.a. Go to site More info
Learn more about Low Rate Cards
  • Award credit cards

    These cards are linked to the Commonwealth Bank Awards Program. The higher tiered cards reward you with more points per dollar spent with an American Express and a MasterCard are issued. The American Express card has a higher earn rate than the MasterCard card, so you can earn more points where American Express is accepted. If you want to learn more about the Commbank Awards Program click here.
Rates last updated February 5th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
VISA/MC: 1 AMEX: 2 20.24% p.a. 5.99% p.a. for 5 months $119 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info
Rates last updated February 5th, 2016
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points when you meet the minimum spend of $2,500 in the first three months and pay no annual fee for the first year.
50,000 bonus points VISA/MC: 1.5 AMEX: 3 18.79% p.a. $0 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 40,000 bonus Qantas Points on eligible spend within 3 months. A balance transfer offer of 0% p.a. for 6 months with access to premium benefits and complimentary insurance.
40,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $199 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
75,000 bonus points VISA/MC: 0.75 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
The card designed by travellers for travellers with a powerful Qantas Frequent Flyer earn rate of 1 points per $1 spend. Also you can earn up to 80,000 bonus Qantas Points.
80,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
American Express Velocity Escape Card -  Exclusive Offer
Receive 15,000 Velocity bonus points when you spend $300 in the first 3 months, plus a $0 card fee.
15,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 10,000 bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 14 months
10,000 bonus points VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 14 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum American Express/Visa
Earn up to 1.5 Qantas Frequent Flyer points per $1 spent on purchases. Plus 50,000 Qantas Points when you spend $2,500 on purchases within the first 3 months and no annual fee offer in the first year.
50,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Enjoy $0 annual fee every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 18 months with balance transfer fee and a host of platinum privileges. Earn up to 1.25 Citi Reward points for every $1 spend.
60,000 bonus points VISA/MC: 1.25 AMEX: 0 20.99% p.a. 0% p.a. for 18 months $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
7,500 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 20k Bonus Points offer
Receive 20,000 bonus Velocity Points and earn 1.25 Velocity Points per $1 spent. Enjoy complimentary insurance and flight discounts with Virgin.
20,000 bonus points VISA/MC: 1.25 AMEX: 0 20.74% p.a. 1.9% p.a. for 12 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
Get 25,000 Qantas Points after you spend $2,500 on purchases within the first 3 months and earn up to 1 points per $1 spent on purchases.
25,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Coles Rewards Mastercard
Earn flybuys points on your everyday spend and enjoy low interest rate offer on balance transfers.
VISA/MC: 2 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards bonus points and a complimentary Virgin Australia flight each year. Plus a low balance transfer offer of 0% p.a. for 12 months.
10,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
BoQ Platinum Visa Card - Exclusive Offer
Exclusive Offer to finder.com.au

You can collect 2.000 rewards points for every $1 spent on your Platinum Visa card.

VISA/MC: 2 AMEX: 0 20.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you meet the spend requirement, 0% p.a. for 6 months on balance transfers and annual fee for the first year.
50,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $299 p.a. Go to site More info
American Express Qantas Ultimate Card
Receive up to 50,000 extra Qantas Points. Plus earn 1 points per $1 spend.
50,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
Woolworths Money Everyday Platinum Credit Card
Receive a $100 Gift Card with a $0 annual fee for the first year if you apply before 31 March 2016. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 rewards points per $1 spent.
VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) Go to site More info
Coles No Annual Fee MasterCard
A no annual fee for the life of the card that lets you earn 0.5 flybuys points per dollar spent.
VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
NAB Qantas Rewards Premium Card
A low balance transfer offer of 4.99% p.a. for 6 months as well as 60,000 bonus Qantas Points. Ability to earn 1.50 points per $1 spent on eligible purchases.
60,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Bankwest Qantas Platinum MasterCard
Bonus 8,000 Qantas Points when you apply online. Plus earn 0.750 Qantas Points for every $1 spent.
8,000 bonus points VISA/MC: 0.75 AMEX: 0 20.49% p.a. 2.99% p.a. for 9 months $160 p.a. Go to site More info
St.George Amplify Signature
Earn 1.50 Qantas or Amplify Points per dollar spent on eligible purchases.
VISA/MC: 1.5 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 20 months $279 p.a. Go to site More info
NAB Velocity Rewards Premium Card
Receive 60,000 bonus reward points and a complimentary insurance. 4.99% p.a. on balance transfers for 6 months.
60,000 bonus points VISA/MC: 0.5 AMEX: 1.5 19.99% p.a. 4.99% p.a. for 6 months $150 p.a. Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points when you spend $2,500 within the first three months, up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
75,000 bonus points VISA/MC: 2 AMEX: 3 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
ANZ Rewards Credit Card
Apply for the ANZ Rewards Credit Card and get 25,000 Reward Points after you spend $2,500 on purchases within the first three months. Earn reward points on your purchases, redeemable for a huge selection of rewards including shopping vouchers, gift cards, and travel.
25,000 bonus points VISA/MC: 1.5 AMEX: 2 18.79% p.a. $0 p.a. annual fee for the first year ($89 p.a. thereafter) Go to site More info
NAB Qantas Rewards Card
Receive 30,000 bonus Qantas Points when you apply online. Plus a low balance transfer and purchase offer.
30,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
VISA/MC: 1 AMEX: 0 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Bankwest Qantas MasterCard
2,000 Qantas points offer and earn 0.500 Qantas Point per $1 spent on eligible purchases.
2,000 bonus points VISA/MC: 0.5 AMEX: 0 20.49% p.a. 2.99% p.a. for 9 months $100 p.a. Go to site More info
St.George Amplify Platinum
Choose between Amplify or Qantas rewards program. Uncapped points earning.
VISA/MC: 1 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you spend $1,000 on your card. You can transfer points to a choice of 9 leading airline rewards programs, including the Qantas Frequent Flyer program.
100,000 bonus points VISA/MC: 0 AMEX: 1 $1,200 p.a. Go to site More info
Bankwest More Platinum Mastercard
Introductory 80,000 bonus points offer and a low interest rate on balance transfers.
80,000 bonus points VISA/MC: 2 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $140 p.a. Go to site More info
Commonwealth Bank Awards Credit Card
Dual credit card with balance transfer offer of 5.99% p.a. for 5 months and earn up to 1.5 Awards points per dollar spent.
VISA/MC: 1 AMEX: 1.5 20.24% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
Citi Rewards Credit Card - Signature
Get 75,000 rewards points on your first eligible purchase. Convert them to Qantas Points.
75,000 bonus points VISA/MC: 1.5 AMEX: 0 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Commonwealth Bank Gold Awards Credit Card
Earn up to 2 Awards points for every $1 spent and up to 55 days interest free with complimentary international travel insurance.
VISA/MC: 1 AMEX: 2 20.24% p.a. 5.99% p.a. for 5 months $119 p.a. Go to site More info
NAB Velocity Rewards Card
Receive 30,000 bonus Velocity points plus a low interest rate offer on purchases and balance transfers. Get two cards and pay one annual fee.
30,000 bonus points VISA/MC: 0.5 AMEX: 1 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
Bankwest More MasterCard
8,000 bonus More points offer and a long term balance transfer.
8,000 bonus points VISA/MC: 1.5 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $70 p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and meet the spend criteria plus earn up to 2.5 Awards points per dollar spent, complimentary international travel insurance and 24/7 concierge service.
80,000 bonus points VISA/MC: 1 AMEX: 2.5 20.24% p.a. 5.99% p.a. for 5 months $249 p.a. Go to site More info
Bankwest More Gold MasterCard
15,000 bonus points and a balance transfer offer of 2.99% p.a. for 9 months.
15,000 bonus points VISA/MC: 1.5 AMEX: 0 19.99% p.a. 2.99% p.a. for 9 months $120 p.a. Go to site More info
Commonwealth Bank Diamond Awards Credit Card
Receive 80,000 bonus CommBank Awards points when you apply online by 14 April 2016 and spend $1,000 on eligible purchases and earn up to 3 Awards points per $1 spent.
80,000 bonus points VISA/MC: 1.25 AMEX: 3 20.24% p.a. 5.99% p.a. for 5 months $349 p.a. Go to site More info
BoQ Blue Visa Credit Card
Earn 1.000 points per dollar spent with Q Rewards program.
VISA/MC: 1 AMEX: 0 20.74% p.a. 0% p.a. for 9 months $0 p.a. annual fee for the first year ($60 p.a. thereafter) Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
40,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. $295 p.a. Go to site More info
Emirates Citi World MasterCard
Receive up to 40,000 bonus Skyward Miles and half price annual fee for the first year.
40,000 bonus points VISA/MC: 1 AMEX: 0 20.99% p.a. 0% p.a. for 9 months $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Citi Prestige Card
Receive 70,000 bonus rewards points on eligible spend. Option to earn opt-in to the Qantas Rewards program and earn Qantas Points.
70,000 bonus points 2 20.74% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info
David Jones American Express
Receive 30,000 Membership Rewards points and earn up to 3.00 Rewards Points for every dollar spent on everyday item and access exclusive in-store benefits to David Jones cardholders.
30,000 bonus points VISA/MC: 0 AMEX: 1 20.74% p.a. $99 p.a. Go to site More info
Bank of Melbourne Amplify Classic - Amplify Rewards
Earn Amplify points on purchases to redeem for gift cards, appliances, events and experiences, travel through Amplify Travel. Plus a low purchase rate offer of 0% p.a. for 3 months.
VISA/MC: 1 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
NAB flybuys Rewards Card
Receive up to 30,000 flybuys bonus points. Plus a low offer on purchases and balance transfers of for months.
30,000 bonus points VISA/MC: 1 AMEX: 0 19.99% p.a. 4.99% p.a. for 6 months $95 p.a. Go to site More info
BankSA Amplify Classic
The BankSA Amplify is a brand new rewards credit card that allows you to earn more Qantas Points combined with purchase and balance transfer offers.
1 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $79 p.a. Go to site More info
Bank of Melbourne Amplify Platinum
Take advantage of low introductory purchase rate offer, balance transfer promotion of 0% p.a. for 18 months and 24/7 concierge service, all for a low annual fee.
VISA/MC: 1 AMEX: 0 0% p.a. for 3 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
American Express Platinum Business Card
Better track and manage your business expenses with the American Express Platinum Business Card. Receive 150,000 bonus points and earn 2 points for every dollar spent up to 375,000, reverting to 1 point for every dollar thereafter.
150,000 bonus points VISA/MC: 0 AMEX: 1 $1,500 p.a. Go to site More info
American Express Gold Business Card
Enjoy 24-hour worldwide service plus a great range of tailored expense management solutions designed to help maintain control of your corporate expenses.
10,000 bonus points VISA/MC: 0 AMEX: 1 $169 p.a. Go to site More info
Learn more about Rewards Credit Cards
  • Student credit cards

    The Commonwealth Bank Low Fee Student credit card is designed for students. It includes the popular features of up to 55 days of interest-free days and no annual fee. This makes it a suitable companion for the student lifestyle.

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Commonwealth Bank Student Credit Card
Enjoy no annual fee for the life of the card, up to 55 interest free days, and a balance transfer offer.
VISA/MC: 0 AMEX: 0 19.74% p.a. 5.99% p.a. for 5 months $0 p.a. More info
Though there is a limited number of student credit cards, low fee and low rate cards can be a considerable option to keep the costs down.
Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ First Student Card Offer
Student credit card with no annual fee for the first year and up to 44 days interest-free on purchases.
VISA/MC: 0 AMEX: 0 19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
St.George Vertigo Visa
Low ongoing rate on purchases, introductory balance transfer offer, plus a low annual fee.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
NAB Low Rate Credit Card
A credit card which has a low ongoing purchase rate with balance transfer offer.
VISA/MC: 0 AMEX: 0 13.99% p.a. 0% p.a. for 24 months with 2.5% balance transfer fee $59 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee. Also receive $100 off a single Coles Supermarket shop if you apply and are approved by 9 February 2016.
VISA/MC: 0.5 AMEX: 0 12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
ME Bank frank Credit Card
A great credit card option for students. No annual fee and a low interest rate on purchases.
0 months 9.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low rate on your everyday purchases with a balance transfer offer of 0% p.a. for 18 months.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
Commonwealth Bank Low Rate Credit Card
$150 cash back offer if you apply online by 14 April 2016 and spend $500 on eligible purchases by 31 May 2016. This is also a low rate card of 13.49% p.a. combined with low annual fee of $59.
VISA/MC: 0 AMEX: 0 13.49% p.a. 5.99% p.a. for 5 months $59 p.a. Go to site More info
ANZ First Visa Credit Card
This simple a low annual fee credit card is designed as a first credit card with a low fee and low minimum credit limits. Protected by ANZ Falcon's 24/7 suspicious transaction security.
VISA/MC: 0 AMEX: 0 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
ANZ First Visa Credit Card - Exclusive Offer
Enjoy 0% for the first 9 months on purchases when you apply by 29 February 2016 with a low annual fee.
VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 19.74% p.a.) 0% p.a. for 9 months $30 p.a. Go to site More info
ANZ Low Rate
A low rate credit card with introductory offer on balance transfers.
VISA/MC: 0 AMEX: 0 13.49% p.a. 0% p.a. for 18 months with 3% balance transfer fee $58 p.a. Go to site More info
Citi Clear Platinum Card
A low rate platinum credit card with a great purchase and balance transfer offer.
0 months VISA/MC: 0 AMEX: 0 0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Go to site More info
28 Degrees Platinum MasterCard
Pay no annual fee ever and make your overseas online purchases without worrying about transaction fees.
20.99% p.a. $0 p.a. Go to site More info
Learn more about Student Credit Cards
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The benefits of banking with the Commonwealth Bank

Commonwealth Bank credit cards come with the following benefits:

  • Commonwealth Bank complimentary travel insurance policy

    Commonwealth Bank’s complimentary insurance policy is provided by Allianz Global Assistance and is available to Commonwealth Bank Gold, Platinum and Diamond cardholders.
    Our complete guide will tell you what you need to know about this complimentary travel insurance policy including eligibility requirements, how to make sure you’re covered, claims process and the different types of insurances available.
    Complete guide Commonwealth Bank Complimentary Insurance

  • Commonwealth Bank Awards Program

    Earn Awards points when you use your CommBank Awards credit card for daily transactions. Over 1,000 items with the Commbank Awards Program to choose from to reward your everyday spending on this card.
    Read our review on the Commbank Awards Program here

  • Balance Transfers

    A balance transfer with Commonwealth Bank is relatively simple, shouldn’t take more than 15 minutes. There are four sections to complete with the online application form and from here it should only take Commonwealth Bank five to ten business days to complete your request and transfer your balances.
    Learn more about the steps to transferring your balance over to Commonwealth Bank

  • Reduced annual fee

    If you have a qualifying Commonwealth Bank account, like a home loan, savings account or transaction account, you’re eligible to receive a reduced annual fee when you apply for a Commonwealth Bank credit card. You can view the regular annual fee and the reduced annual fee in the product tables in our Commonwealth Bank Credit Card review and application pages.

  • Online banking — Netbank

    Netbank is an online banking tool for Commonwealth Bank customers. Netbank makes managing your Commonwealth Bank credit card account easy. You can also apply for other Commonwealth Bank products and services through Netbank, view recent purchases with your credit card and make payments to accounts in Australia and overseas.

  • MasterCard benefits

    Commonwealth Bank credit cards are issued in partnership with MasterCard. Commonwealth Bank credit card holders get access to a number of MasterCard benefits, including:

    • MasterCard PayPass. For transactions under $100, just touch your Commonwealth Bank MasterCard against a contactless terminal and your transaction will be completed in a matter of seconds. There’s no need to enter your PIN.
    • MasterCard fraud guarantee. If you’re account is compromised while you’re using the MasterCard payment networks (shopping over the counter or online), MasterCard offer a money back guarantee under the MasterCard Zero Liability Guarantee.
    • Global acceptance. MasterCard credit cards are accepted in millions of locations all over the world. Use your card to shop online, make purchases over the counter and withdraw cash from ATMs everywhere MasterCard is accepted.
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How to apply for Commonwealth Bank credit cards

If you want to apply for a Commonwealth Bank credit card, the standard credit card application requirements need to be met — the higher the tier of product (Diamond and Platinum are higher tier cards than low rate and low fee credit cards), the greater the minimum income requirement. You’ll also need to have a good credit rating and meet the residency and age requirements. You can find this information listed on our Commonwealth Bank credit card review and application pages. If you do meet the minimum eligibility requirements, Commonwealth Bank needs to form a picture about your financial situation before they can make a decision about whether to grant you a credit card, and if so, the size of the credit limit. You will need to provide the following information about yourself to support your application.

Information needed for a Commonwealth Bank credit card application

  • Personal information. Commonwealth Bank needs to know your name, current residential address and your contact information, like your email.
  • Details about your income. You need to provide as much detail about your income and the money you have coming in. Details of income generating assets like property and shares also need to be provided, as does information about any savings.
  • Expenses and liabilities. Do you have any other credit cards, if so, what are their limits? Information about any debt, ongoing expenses like child support, mortgage repayments, or anything that is considered an expense, like your weekly food budget, will also need to be provided to the Commonwealth Bank.
  • Other credit cards. If you want to transfer a balance to a Commonwealth Bank credit card from your existing non-Commonwealth Bank credit card(s), store card(s) or charge card(s), you will need to provide the card number, the amount you want to transfer and the name of the issuing financial institution.

What happens next when applying for a CBA credit card?

After applying for a CBA credit card, 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 the decision is that you are eligible for a Commonwealth Bank credit card, you will need to undergo an identity check, which is the law of the land, although this is not necessary if you are already a customer of Commonwealth Bank. Commonwealth Bank will send you a letter requiring this proof of identification. This can be fulfilled 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. You can then activate your new CBA credit card over the phone.

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Frequently Asked Questions

We’ve provided answers to some of the most common questions we get about Commonwealth Bank credit cards below. If you can’t find an answer to your question on this page, get in touch with us by leaving a question using the form at the bottom of the page.

How much can I balance transfer to a Commonwealth Bank credit card?

You can balance transfer up to 95% of your available credit limit.

Do my Commonwealth Bank Awards points expire?

Commonwealth Bank Awards do not expire

How do I earn Commonwealth Bank Awards points?

If you have a Commonwealth Bank Awards credit card, you earn Commonwealth Bank Awards Points when you make an eligible purchase. Eligible purchases are your everyday type of transaction, purchases like buying your groceries or filling your car up with petrol earn points. Points are not awarded for cash transactions. These types of transaction include cash advances, paying government fees and charges, credit card fees and charges and business expenses. Check the Commonwealth Bank Awards terms and conditions for a full list of transactions that are ineligible to earn Commonwealth Bank Awards Points.

What can I redeem my Commonwealth Bank Awards Points for?

If you have a Commonwealth Bank Awards credit card, you can redeem your Commonwealth Bank Awards points for a range of flight and non-flight rewards. There’s a wide range of rewards you can choose from. You can view the redemption options online through the Commonwealth Bank Awards website or by downloading the Commonwealth Bank Awards brochure, also available through the website.

Does the annual fee collect interest?

The annual fee is charged to your card and added to your total balance of purchases. If you don’t repay your balance in full by the end of the statement period, the annual fee (as well as any other purchases that have contributed to your balance) will collect interest. If there’s an introductory 0% offer on purchases or interest-free days in place, your annual fee won’t be charged any interest until the revert rate kicks in or if you don’t repay your balance by the end of the statement period.

What happens after I apply for a Commonwealth Bank Credit Card?

After applying for a Commonwealth Bank credit card, you should have a response within minutes from the bank letting you know about the status of your credit card application. Your application can be approved, declined or conditionally approved. If the bank needs any more information from you to support your application, you will be notified about the next steps on the email you provided during the application. Usually, by providing information like your drivers licence number or passport number during the application, the Commonwealth Bank is able to verify your identity online; however, if you were not able to provide this information, you may be required to submit an identity verification form in writing to the bank. This document can then be mailed back to the bank. Alternatively, you can take these documents into a branch of the Commonwealth Bank. After all the information has been fully verified, you will receive your Commonwealth Bank credit card within ten working days. You will then need to activate your new CBA credit card over the phone before it can be used.

How do I transfer a balance to a Commonwealth Bank credit card?

If you want to take advantage of a Commonwealth Bank balance transfer offer, you can elect to transfer a balance when you apply for the credit card online. There’s a section within the application that asks you if you want to carry out a balance transfer, click ‘yes’. You will then be prompted to enter the name of the financial institution you want to transfer a balance from, the card number of the accounts and the amount you want to transfer from each account. Commonwealth Bank allow you to transfer a balance from a number of different credit card, store card and charge cards. The total amount must not be more than 90% of your credit limit on your new Commonwealth Bank credit card.

What’s the minimum repayment on my Commonwealth Bank credit card?

If you’re carrying a balance on your Commonwealth Bank credit card, you need to pay back a certain amount each month to avoid the late payment fee. This is the minimum monthly repayment, a small percentage of your balance. You can find information about the minimum monthly repayment listed on our Commonwealth Bank credit card review and application pages.

How do I close my Commonwealth Bank credit card account?

If you would like to cancel your Commonwealth Bank credit card and close your account, you need to make sure that you have paid back the balance in full. If you’re not carrying a balance on your Commonwealth Bank credit card, you can cancel your card anytime without charge by giving a Commonwealth Bank representative a call or by visiting a Commonwealth Bank branch.

When does my balance transfer promotion begin?

Your balance transfer offer will begin when the balance transfer process has been approved and completed by Commonwealth Bank (approximately 2-5 working days).

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62 Responses to Commonwealth Bank Credit Cards

  1. Default Gravatar
    Leanne | October 6, 2015

    to have my commonwealth rewards transferred to either Frequent Flyer Qantas points or VIrgin Velocity points what do I do?

    • Staff
      Jonathan | October 6, 2015

      Hi Leanne, thanks for your inquiry!

      Please refer to the link I have sent to your email for redeeming Qantas Frequent Flyer or Virgin Velocity points.

      Cheers,

      Jonathan

  2. Default Gravatar
    Sue | September 11, 2015

    Do you have a credit card that has a no interest free period?

    • Staff
      Jonathan | September 11, 2015

      Hi Sue, thanks for your inquiry!

      Please refer to the following link for 0% purchase credit cards.

      Cheers,

      Jonathan

  3. Default Gravatar
    John | August 12, 2015

    My parents have a mastercard in my fathers name and he passed away a couple of years ago, my mother believes that bank informed her as he had passed she need to sent a copy of death notice and his card would be paid out? is that true

    • Staff
      Sally | August 12, 2015

      Hi John,

      Thank you for your comment and we’re sorry to hear about your loss.

      There are a few steps that need to be taken manage a Commonwealth Bank after death.

      I’ve emailed you a PDF of the guide via email, which includes a list of your options and a checklist of the documents and information you’ll need to provide the bank with.

      I hope this has helped.

      Thanks,

      Sally

  4. Default Gravatar
    Bev | August 1, 2015

    I understand that when we pay for our airline travel with our CBA Gold Mastercard, we receive travel insurance automatically. Could you please advise me up to what maximum age of a cardholder/family member does the travel insurance apply? My husband has just turned 80, we intend travelling next year, will this insurance still cover him?

    • Staff
      Jonathan | August 3, 2015

      Hi Bev,

      Thank for your inquiry.

      There are restrictions for persons aged 80 years or older for the CBA international travel insurance. Please refer to page 8 of the PDF I have sent to your email for the terms on this policy.

      I hope this has answered your question.

      Cheers,

      Jonathan

  5. Default Gravatar
    Diana | May 31, 2015

    I will be traveling in Europe in July. What card would you recommend I take? What are the fees will you charge for cash withdraws and over counter transactions while I am over there and what are you exchange rates with the Euro.

    • Staff
      sally.mcmullen@hiveempire.com | June 1, 2015

      Hi Diana,

      Thank you for your question.

      You have come through to finder.com.au, not Commonwealth Bank.

      As a financial comparison service, we cannot provide you with specific recommendations. Instead, we provide our users with the information they need to make their own decisions.

      On the note, you may want to compare some of your Commonwealth Bank credit card options here or your Commonwealth Bank prepaid travel card options here. You can compare the ATM withdrawal fees and over-the-counter transaction fees on these pages. The exchange rates change frequently, so you can view the most recent rates on the Commonwealth Bank website by clicking the “Go to Site” and “More Info” buttons on these pages.

      I hope this has been of assistance.

      Thanks,

      Sally

  6. Default Gravatar
    lorraine | May 20, 2015

    What is the postal address for MasterCard payments? I know it is locked bag, but don’t have the number.

    Thank you, Lorrane

    • Default Gravatar
      laurel | May 25, 2015

      Where is the cvv on my Commonwealth bank American Express credit card?

    • Staff
      Jonathan | May 25, 2015

      Hi Laurel, thanks for your inquiry!

      The Cvv is typically found on the back of the card as a 3 digit number.

      Cheers,

      Jonathan

    • Staff
      Jonathan | May 20, 2015

      Hi Lorraine, thanks for your inquiry!

      Unfortunately no postal address is provided on the Commonwealth Bank website. Credit card payments can be made via Netbank. Please refer to the contact details I have sent to your email for any further inquiries in regards to credit card payments.

      Cheers,

      Jonathan

  7. Default Gravatar
    JUDY | April 28, 2015

    How can I pay my tax by credit card?

    • Staff
      Jonathan | April 29, 2015

      Hi Judy, thanks for your inquiry!

      Tax payments can be completed by going to the Australian Tax Office (ATO) website. Please refer to the following page on a guide for paying your tax bill by credit card.

      Cheers,

      Jonathan

  8. Default Gravatar
    Stephen | March 21, 2015

    How do i check my progress into getting my credit card.

    • Staff
      Jonathan | March 23, 2015

      Hi Stephen, thanks for your inquiry!

      Checking on your application/ progress into receiving your credit card can be done by contacting Commonwealth Bank directly. Please see this page on how to check on your credit card application.

      Cheers,

      Jonathan

  9. Default Gravatar
    michael | February 22, 2015

    lost or misplaced my mastercard. what do i do

    • Staff
      Jonathan | February 23, 2015

      Hi Michael, thanks for your inquiry!

      It would be best to contact Commonwealth Bank immediately so the card can be barred from any unauthorised use.

      Cheers,

      Jonathan

  10. Default Gravatar
    KERRIE | February 19, 2015

    I have submitted an application for a further CBA corporate charge card . How do I find out progress of application.

    • Staff
      Jonathan | February 19, 2015

      Hi Kerrie, thanks for your inquiry!

      Please refer to the link and contact details I have provided to your email in regards to corporate charge cards.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated February 5th, 2016
Complimentary Travel Insurance Cover Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
1 14.99% p.a. 0% p.a. for 12 months $0 p.a. Go to site More info
NAB Premium Card
Long term balance transfer offer with premium benefits such as travel insurance.
6 months VISA/MC: 0 AMEX: 0 0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months $90 p.a. Go to site More info
HSBC Platinum Credit Card
Receive $0 annual fee every year if you meet the spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
4 months VISA/MC: 1 AMEX: 0 19.99% p.a. 0% p.a. for 15 months $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
One of the lowest rate balance transfer deals combined with a low on-going purchase rate.
VISA/MC: 0 AMEX: 0 0% p.a. for 3 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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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