Commonwealth Bank Debit Cards

Compare Commonwealth Bank debit card offers with other banks right here with Savvy.

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, updated on September 13th, 2023       

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The Commonwealth Bank, or CommBank as it’s fondly known, is Australia’s largest bank and one of the most recognised brands in Australia. The bank naturally offers a wide range of retail banking services including transaction bank accounts with either a linked debit Mastercard or Visa card.

Compare debit card providers right here with Savvy and find out if a CommBank debit Visa or Mastercard is right for your personal financial circumstances.

*Please note that Savvy does not represent Commonwealth Bank for their debit card products. All information correct as of October 2022.

More about Commonwealth Bank debit cards

What bank accounts do CommBank offer with a Mastercard or Visa debit card?

For a personal account, CommBank offers a debit Mastercard with its Smart Access everyday transaction bank account, Pensioner Security account and Cash Investment Account. 

However, if you open a business transaction account, you’ll have the option of having a CommBank-linked business Visa debit card. To get a Visa debit card, you’ll need either a Business Transaction Account – Zero fee option, or Business Transaction Account – $10 account fee option.

Commonwealth Bank is one of very few banks in Australia which offers debit Mastercards for personal accounts, and Visa cards for business use. 

Mastercard features

These are some of the features of a Commonwealth Bank debit Mastercard for personal use:

  • the Smart Access account with a linked debit card comes with a $4 monthly fee, unless you meet certain conditions (see the list below of what those conditions are.)
  • no ATM withdrawal fees at most bank ATMs in Australia
  • access to the CommBank Rewards program, which offers personalised cashback rewards for your everyday spending. The bank will send you shopping rewards based on where you’ve previously shopped, and similar places matched to your normal spending habits. The cashback will be credited into your linked Smart Access or another relevant bank account

Overdrawn and dishonour fees

If your CommBank debit Mastercard linked bank account accidentally becomes overdrawn, the following fees will be charged:

  • a $15 initial overdrawn fee
  • an ongoing interest charge of 14.90% per day that your linked bank account remains in the red
  • if you have a scheduled payment (for example, a re-occurring bill payment such as a mortgage or rent payment) which can’t be paid due to lack of funds, then five attempts will be made to make the payment in the following five days. If the payment is still unsuccessful, a $5 dishonour fee will be charged.

Digital payment options

A CommBank debit Mastercard will work with the following digital wallets and wearables:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Apple Watch
  • Garmin
  • Fitbit
  • Google Wear OS

Exemptions from account fees

These are some of the customers who are exempt from paying CommBank’s monthly account-keeping for a transaction bank account:

  • Anyone under 25 years of age
  • All full-time or part-time Australian students
  • All apprentices with a Student Options account
  • If you deposit at least $2,000 a month into your linked bank account
  • Aged, disability and war veterans
  • If you have a balance of $50,000 or more in any other account
  • If you have an eligible Commonwealth Bank home loan
  • If you are disabled and rely on over-the-counter services to be your banking

Using a CommBank debit Mastercard overseas

You can use your debit card overseas. The Commonwealth Bank debit Mastercard will work at over 35 million locations worldwide, wherever you see the Maestro, Mastercard or Cirrus logo. However, there are several fees that apply if you use your CBA debit card overseas, so this may not be the cheapest option for financing your holiday.  For this reason, it’s important to compare debit cards and consider all your options with Savvy before using your CommBank debit card abroad. Fees charged by CommBank include:

  • a $2 withdrawal fee if you use CommBank ATMs either in New Zealand or overseas
  • a $5 fee plus 3% of the transaction value for any other cash withdrawals overseas
  • a currency conversion fee of 3% of the transaction value if you use your card to pay for goods or services overseas
  • a 3% international transaction fee if you use your Mastercard to buy anything online at an overseas-based store

It is worth remembering that both a currency conversion fee and an international transaction fee will be charged on each transaction you make on your CommBank debit Mastercard overseas, which combine to be a 6% fee on the value of each transaction.

CommBank Prepaid Visa Travel Cards

An alternative to paying costly overseas transaction fees with your standard debit Mastercard is to get a CommBank Travel Card. These prepaid Visa Travel Money Cards can hold up to 13 currencies and are issued free by the bank. These prepaid cards can be recharged when running low on funds for no additional cost. However, there are initial load fees, cash withdrawal fees, and currency conversion fees which will apply if you pay for goods and do not have the relevant currency stored on your travel card.

How do I get a Commbank debit Mastercard?

To get a Commbank debit Mastercard, you’ll first have to open a Smart Access or other eligible bank account to link to your card. If you are already a Commbank customer, you can apply for a debit Mastercard through Commbank online banking. Just follow the prompts to apply for a card.

If you are not a current customer, you’ll need to apply for an account through online banking, and fill in the required details. Once your bank account has been established, you’ll then need to download the CommBank app or log onto NetBank to order your card.  

Your debit card will be sent through the post, and once you receive it you’ll have to activate it through the CommBank app or Netbank. While you’re waiting for your card to arrive, you can use cardless cash to withdraw funds at an ATM. A cardless cash code can be generated by the CommBank app – just go the cardless cash section and follow the instructions to get your code.

What are the requirements for getting a Commbank debit Mastercard?

These are the requirements for getting a Commbank debit Mastercard:

  • Age – you'll need to be aged 14 years or older, or aged 9-13 years and have parent/guardian permission to operate a joint account. The adult will need to be an authorised party to the account until you’ve reached age 14
  • Residency – you'll have to have an Australian residential address, or be moving to Australia in the near future
  • ID required – you'll need either your passport, driver’s licence, Australian birth certificate or Medicare card to open a relevant bank account online. If you go into a branch to open an account, a Medicare card can’t be used as ID, so you’ll need to take another form of ID with you
  • Have a relevant bank account – you'll need a relevant bank account open in your name. The bank accounts that a debit Mastercard can be linked to include an Everyday Smart Access account, a Pensioner Security Account and a Cash Investment Account, as well as several business account options if you wish to apply for a business debit card

The pros and cons of CommBank debit cards


Protected by NetCode

NetCode is CommBank’s online security protection, which will send you a single-use password when you use your debit card to shop online.

Lock your card for overseas use

If you aren’t travelling or shopping at an overseas store, you can lock your debit card for overseas transactions through the CommBank mobile app, ensuring international scammers won’t be able to steal from your account.

Personalised CommBank rewards

Cash back rewards are offered on a personalised basis based on your regular shopping habits. The rewards can be claimed through the CommBank mobile app.


Monthly account fee

Although there are many exemption categories for the monthly fee, CommBank still charges most adults over 25 and under 60 $4 a month to open a transaction bank account with a linked debit card.

Overseas transaction fee online

If you use your debit card to shop online, and the store you purchase from is based overseas, you’ll be charged a 3% international transaction fee.

Overseas ATM fees

You’ll get slugged a $2 overseas ATM fee each time you withdraw cash from any overseas ATM, including Commonwealth Bank ATMs located abroad.

Compare debit cards today

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