Commonwealth Bank of Australia
Flexible credit card options with rates from 0% to 20.99% p.a., limits from $400 to $6,000, and attractive cashback rewards or points programs.
CommBank offers a range of credit cards for Australian customers, each tailored for different needs—whether you want a low-rate card, no monthly or international fees, rewards points, or cashback. Credit limits begin at $400 and can go up to $6,000 on premium products like Ultimate Awards. Interest rates start from 0% p.a. (for interest-free cards), with standard cards ranging up to 20.99% p.a. Cashback offers of up to $450 for Low Rate and up to $240 for Low Fee cards are available, while rewards cards can provide up to 100,000 Awards points.
How to Apply for a CommBank Credit Card
Applying is easy. Gather your personal details, photo ID, and income proof. Check the eligibility criteria online. Next, fill in your application and submit it for quick approval (response in 60 seconds for most applicants). Existing CommBank customers can save time by pre-confirming their details through NetBank or the app.
Pros of CommBank Credit Cards
CommBank stands out for flexible rewards and cashback offers. There are wide-ranging options, from no-interest cards with predictable monthly fees to high-tier cards with premium perks like airport lounge access and international travel insurance. Their mobile app integration makes managing and redeeming rewards effortless.
Cons of CommBank Credit Cards
Some cards have higher monthly fees if you don’t meet the spending criteria. Others may charge international transaction fees unless you hold specific rewards cards. Cashback or points offers are only available on new cards and have set spend requirements for eligibility, so ongoing value depends on your circumstances.
Verdict: Should You Apply?
CommBank’s credit card range balances affordability, rewards, and convenience, making it a solid choice if you value variety and digital banking features. Their step-by-step online process and quick responses add to the appeal. For those meeting monthly spend thresholds and wanting cashback or points, it’s competitive in the Australian market.
