Top Commonwealth Bank of Australia Credit Cards in 2025: Features, Fees & Rewards

When it comes to choosing a credit card that fits your lifestyle, rewards your spending, and keeps fees in check, the Commonwealth Bank of Australia credit card lineup in 2025 offers something for everyone. Whether you're a frequent traveler, budget-conscious student, or rewards chaser, CommBank’s credit cards provide flexible options packed with competitive benefits.

In this guide, we’ll explore the top Commonwealth Bank of Australia credit cards in 2025, what makes them stand out, their fees and perks, and how to pick the right one for your needs. You’ll also get insights into current Commonwealth Bank credit card offers, how to reach Commonwealth Bank customer service, and more.

Why Choose a Commonwealth Bank of Australia Credit Card?

The Commonwealth Bank of Australia (CBA or CommBank) is one of the Big Four banks and a trusted financial institution with a strong reputation for digital innovation, security, and customer-centric services.

Choosing a Commonwealth Bank of Australia credit card means:

• Access to customisable features through the CommBank app.

• Strong fraud protection and security features.

• Broad range of cards for different income levels and goals.

• Regular Commonwealth Bank credit card offers including cashback and bonus points.

Top Commonwealth Bank of Australia Credit Cards in 2025

Let’s break down some of the most popular CommBank credit cards this year:

1. CommBank Low Rate Credit Card

Perfect for those who want to keep interest payments to a minimum.

Feature	Details
Purchase rate	13.24% p.a.
Annual fee	$59
Interest-free days	Up to 55
Rewards program	Not included

Pros: Low ongoing interest rate, affordable annual feeCons: No rewards program

2. CommBank Awards Credit Card

Ideal for those looking to earn rewards on everyday purchases.

Feature	Details
Purchase rate	20.24% p.a.
Annual fee	$59
Points earning	1 Awards point per $1 spent
Bonus offers	Often includes signup bonuses

Pros: Flexible points system, good for gift cards and travelCons: Higher interest rate if balance isn’t paid in full

3. CommBank Smart Awards Credit Card

A premium version of the Awards card with added perks and travel benefits.

Feature	Details
Annual fee	$120
Rewards tier	Up to 2 Awards points per $1 on selected spend
Travel insurance	Included
Bonus points	Up to 80,000 bonus points (2025 offer)

Pros: Premium rewards and travel extrasCons: Higher annual fee

4. CommBank Ultimate Awards Credit Card

This one’s for the frequent flyer and big spender who wants maximum value.

Feature	Details
Annual fee	$0 if you spend $2,500 monthly
Points earning	Up to 3 points per $1 spent
Lounge access	Yes – Mastercard Travel Pass
International fees	$0 on foreign transactions

Pros: Great for international spending and travel perksCons: Requires high monthly spend to waive fee

5. CommBank Neo Credit Card

A no-interest card with simple monthly fees – perfect for budgeting.

Feature	Details
Interest rate	0%
Monthly fee	$12–$22 based on credit limit
Interest-free days	Not applicable
Rewards	No rewards program

Pros: No interest ever, transparent costsCons: No rewards, capped credit limits

Commonwealth Bank Credit Card Offers (2025)

One of the biggest draws of a Commonwealth Bank of Australia credit card is the regular stream of credit card offersand promotions. These may include:

• Bonus Awards points (e.g., 80,000 points for spending a set amount in 3 months).

• Cashback deals on eligible purchases.

• Waived annual fees for the first year.

• Limited-time partner discounts (travel, dining, shopping).

Be sure to check the latest Commonwealth Bank credit card offers directly through the CommBank app or website for real-time promotions.

Commonwealth Bank Customer Service

If you need assistance with your card or have questions about eligibility or limits,

Commonwealth Bank customer service is widely regarded as reliable and accessible.

Here are key ways to get in touch:

• Phone: 13 2221 (within Australia)

• International: +61 2 9999 3283

• Online Chat: Via the CommBank app or website

• Branch: Visit any Commonwealth Bank branch

How to Choose the Right CommBank Credit Card

Ask yourself the following:

• Do you carry a balance? Consider the Low Rate or Neo card.

• Do you want rewards? Look at the Awards or Ultimate Awards card.

• Travel often? Choose a card with lounge access and no foreign fees.

• Need flexibility? Neo is great for simple, fixed monthly payments.

Compare features, annual fees, and available Commonwealth Bank credit card offers to get the most value from your choice.

Eligibility Criteria & Required Documents

To apply for a Commonwealth Bank of Australia credit card, you’ll generally need:

• Be at least 18 years old.

• Hold a valid Australian residential address.

• Have a regular income.

• Provide identification (passport, driver's licence).

• Submit payslips or bank statements for income verification.

Tips Before You Apply

• Check your credit score.

• Compare multiple Commonwealth Bank credit card offers.

• Understand your spending habits and pick a card that matches.

• Review the Commonwealth Bank customer service policy in case you need help later.

Final Thoughts

Whether you’re looking for low fees, travel perks, or everyday rewards, there’s a Commonwealth Bank of Australia credit card tailored for you. With options like the Low Rate Card, Awards series, and the unique Neo card, CommBank continues to deliver value in 2025.

Before you choose, take advantage of the latest Commonwealth Bank credit card offers and don’t hesitate to reach out to Commonwealth Bank customer service for guidance.

Frequently Asked Questions ( FAQS )

1. What is the best Commonwealth Bank of Australia credit card for rewards?

The Ultimate Awards Credit Card offers the highest rewards per dollar spent and added perks like travel insurance and lounge access.

2. Are there interest-free options available?

Yes, the CommBank Neo Credit Card offers a no-interest structure with predictable monthly fees.

3. How can I contact Commonwealth Bank customer service?

Call 13 2221 in Australia or use the CommBank app for live chat support.

4. Do Commonwealth Bank credit card offers include cashback?

Yes, many limited-time Commonwealth Bank credit card offers feature cashback on eligible purchases.

5. Can I apply for a credit card online?

Absolutely. You can apply for any Commonwealth Bank of Australia credit card directly on their website or through the app.

6. Which Commonwealth Bank credit card has no foreign transaction fees?

The Ultimate Awards Credit Card charges $0 in foreign transaction fees, ideal for international use.

7. What documents are needed to apply for a CommBank credit card?

ID, proof of income, and Australian residency are usually required.

8. How often does CommBank update its credit card offers?

New Commonwealth Bank credit card offers typically appear quarterly or with seasonal promotions.

9. Is there a student-friendly credit card option from Commonwealth Bank?

The Low Rate Card is a good entry-level option for students due to its low annual fee and interest.

10. Where can I find the latest offers and compare cards?

Visit the Commonwealth Bank of Australia credit card section on their website or speak with Commonwealth Bank customer service.