A credit card can be a smart way to make purchases online or when you just don’t happen to have the cash to hand. But if you’ve decided the time is right to take out a credit card, this article will guide you through everything about Commbank Credit cards.
Commbank Credit cards
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| Everyday convenience at our lowest rate on purchases.The interest rate on purchases: 9.90% p.a.Monthly fee: $2 when you choose online statements and set up automatic payments from a CommBank transaction account using AutoPay. Otherwise, monthly fee is $519.909.909.909.90 | Looking for lower interest on purchases? Our Low Rate credit card makes it easier to pay off purchases over time.Interest rate on purchases: 13.24% p.a.Annual fee: $59 | All the benefits of our Low Rate credit card, including a low interest rate on purchases, topped off with international travel insurance.2Interest rate on purchases: 13.24% p.a.Annual fee: $89 | Don’t want to pay an annual fee? Our Low Fee credit card has no annual fee for the first year, with any following annual fees waived for eligible customers.3Interest rate on purchases: 19.74% p.a.Annual fee: $29 or $0 for eligible customers3 | All the benefits of the CommBank Low Fee credit card with added benefits of no international transaction fees on purchases and international travel insurance.2Interest rate on purchases: 19.74% p.a.Annual fee: $89 or $0 for eligible customers4 | Get rewarded for your everyday expenses and access the largest rewards program of any bank in Australia.5Interest rate on purchases: 20.24% p.a.Annual fee: $59 | Earn 1 Award point6 for every dollar you spend, with added perks like international travel insurance.2Interest rate on purchases: 20.24% p.a.Annual fee: $249 | Earn up to 1 million Awards points a year and access exclusive features like international travel insurance.2Interest rate on purchases: 20.24% p.a.Annual fee: $349 | Our most rewarding credit card with uncapped points earning potential, exclusive travel benefits and no monthly fee for eligible customers.7Interest rate on purchases: 20.24% p.a.Monthly fee: $35 or $07 | An interest-free credit card with one simple monthly fee. No interest charges. No late fees. No international transaction fees. No surprise charges.Interest rate on purchases: 0% p.a.Monthly fee: $12 for a $1,000 limit$18 for a $2,000 limit$22 for a $3,000 limitPay $0 if you don’t use your card and pay your total balance owing in full15 | |
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| Limited time offer:Enjoy 0% p.a. on purchases for 15 months. Apply by 30 June 2026.^ | Limited time offer:Get $150 cashback. Apply by 30 June 2026 and spend $1,000 on purchases by 30 September 2026.* | Limited time offer:Get $200 cashback. Apply by 30 June 2026 and spend $1,000 on purchases by 30 September 2026.~ |
How to get a credit card
A credit card can be a smart way to make purchases online or when you just don’t happen to have the cash to hand. But if you’ve decided the time is right to take out a credit card, what are the steps involved?
What about a debit card?
These days, many debit cards can be used for a lot of the same things that credit cards are used for, such as online shopping.
The primary difference between debit and credit is that when you spend money on a debit card you’re spending what you already have in a transaction account (for example, your savings account). By contrast, anything you spend on a credit card it is money you’re borrowing and you’ll have to pay back in the future, possibly along with some interest too.
So before applying for a credit card, it may be worth considering whether you could get by with just a debit card.
Build up your credit history
Having a good credit score can be crucial to your credit card application. Making sure you pay your bills – such as phone and electricity – on time is a great start to building a positive credit report. It can also help to have some experience with another credit card but keep in mind that having a lot of credit applications against your name can work against your score.
Choose your type of card
Credit cards are typically one of three different types – low fee, low rate and awards. It’s worth thinking about what it is you really want from your credit card before applying for one; you can use our credit card comparison page to get some idea of which one may best suit you.
Read the fine print
Once you’ve chosen the credit card you think will best suit you, read up on the fees and charges as well as the terms and conditions.
Apply when you’re ready
You can apply for a credit card online at any time with CommBank. If you’re not currently a customer or don’t have NetBank, you can apply online. We’ll just need some of your personal details, photo ID and proof of income.
If you’re already a CommBank customer and registered for NetBank you can save time by confirming your personal details before providing your proof of income.
You can also choose to apply for a credit card at your nearest branch. Just make sure you remember to bring your ID and proof of income.