{ "brand": "CommBank", "brand_label": "CommBank", "brand_slug": "commbank", "legal_entity_abn": "48123123124", "public_base_uri": "https://api.commbank.com.au/public", "logo_uri": "https://www.commbank.com.au/content/dam/commbank-assets/cba-stacked.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-12T02:15:46Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":1,"of":52,"product_label":"Interest-free Low Fee Credit Card","card_type":"credit","purchase_rate_pct":0.0,"annual_fee":120.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":null,"min_credit_limit":400.0,"max_credit_limit":1500.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":16,"of":24,"product_label":"Smart Credit Card","card_type":"credit","purchase_rate_pct":20.99,"annual_fee":228.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":2000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"CommBank Yello Program","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":12,"of":13,"product_label":"Low Rate Credit Card","card_type":"credit","purchase_rate_pct":14.55,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":null,"min_credit_limit":500.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"rewards","rank":8,"of":9,"product_label":"Business Platinum Credit Card","card_type":"credit","purchase_rate_pct":20.74,"annual_fee":300.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":6000.0,"max_credit_limit":50000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Qantas Frequent Flyer Program","conditions":"k4","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "no interest is charged on purchases; the card costs $10.00 a month instead", "credit limit $400 to $1,500", "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts." ], "k2": [ "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for credit cards are subject to credit approval.", "from 1 February 2027 the purchase rate rises to 23.49% and the cash advance rate to 23.99%", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap", "bonus points not for anyone holding, or who held in the last 24 months, an Awards, Smart or Ultimate card, nor for switches" ], "k3": [ "corrected from the bank's own page: a business card: the record's own page is the bank's Business Low Rate credit card, in its business credit cards section", "credit limit $500 to $50,000", "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "cash advance fee capped at $150 (flat $2.50 if the account was in credit)" ], "k4": [ "credit limit $6,000 to $50,000", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for credit cards are subject to credit approval.", "cash advance fee capped at $150 (flat $2.50 if the account was in credit)" ] }, "unranked": { "products": 5, "charge_card": 1, "corporate_program": 4 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "8df91527a5774d7bb795eebe2509f941", "product_name": "Business Platinum credit card", "product_label": "Business Platinum Credit Card", "product_slug": "business-platinum-credit-card", "page": "/au/finance/credit-cards/cards/commbank/business-platinum-credit-card/", "product_url": "https://www.commbank.com.au/business/business-credit-cards/business-awards-credit-cards/business-awards-platinum-credit-card.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "fees_url": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf", "eligibility_url": "https://www.commbank.com.au/business/business-credit-cards/business-awards-credit-cards/business-awards-platinum-credit-card.html", "card_type": "credit", "scheme": "mastercard", "tier": "platinum", "segments": [ "business" ], "segment": "business", "description": "Earn flexible rewards and enjoy up to 55 days interest-free to keep your cashflow in check.", "purchase_rate_pct": 20.74, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 21.74, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 300.0, "fee_period": "annual", "fee_as_stated": 300.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": 75.0, "balance_transfer": null, "rewards_program": "Qantas Frequent Flyer Program", "rewards_programs": [ "Qantas Frequent Flyer Program", "CommBank Yello Program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Transit Accident Insurance", "International travel insurance", "Unauthorised Transactions Insurance" ], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $6,000 to $50,000", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for credit cards are subject to credit approval.", "cash advance fee capped at $150 (flat $2.50 if the account was in credit)" ], "eligibility": [ "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "Applications for credit cards are subject to credit approval." ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 8, "of": 9, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/8df91527a5774d7bb795eebe2509f941", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/8df91527a5774d7bb795eebe2509f941.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null }, { "product_id": "5b47845a7f0044e58db616bb734e8350", "product_name": "Interest-Free Days credit card", "product_label": "Interest-Free Days Credit Card", "product_slug": "interest-free-days-credit-card", "page": "/au/finance/credit-cards/cards/commbank/interest-free-days-credit-card/", "product_url": "https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "fees_url": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf", "eligibility_url": "https://www.commbank.com.au/business/business-credit-cards/business-interest-free-days-credit-card.html", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "business" ], "segment": "business", "description": "Designed for those looking for a card with a competitive interest-free period to help with business cash flow.", "purchase_rate_pct": 17.57, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 17.57, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 60.0, "fee_period": "annual", "fee_as_stated": 60.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 1.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": 60.0, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Transit Accident Insurance", "Unauthorised Transaction Insurance" ], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $500 to $50,000", "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "cash advance fee capped at $150 (flat $2.50 if the account was in credit)" ], "eligibility": [ "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application." ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/5b47845a7f0044e58db616bb734e8350", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/5b47845a7f0044e58db616bb734e8350.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "from_issuer_page": null }, { "product_id": "d34e453e721640f983c03922f567463a", "product_name": "Interest-free Low Fee credit card", "product_label": "Interest-free Low Fee Credit Card", "product_slug": "interest-free-low-fee-credit-card", "page": "/au/finance/credit-cards/cards/commbank/interest-free-low-fee-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/interest-free-low-fee.html", "terms_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/008-188-interest-free-low-fee.pdf", "fees_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf", "eligibility_url": null, "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "CommBank's simplest credit card yet with no interest and no late fees. Just a simple monthly fee.", "purchase_rate_pct": 0.0, "purchase_rate_is_base": null, "no_interest_card": true, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": null, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": null, "annual_fee": 120.0, "fee_period": "monthly", "fee_as_stated": 10.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly fee", "fee_offers": [ "If you do not have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you will not be charged a monthly fee of $10 for that statement period." ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": 0.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": "CommBank Yello Get access to exclusive benefits, cashbacks and discounts with CommBank Yello.", "insurances": [], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 400.0, "max_credit_limit": 1500.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no interest is charged on purchases; the card costs $10.00 a month instead", "credit limit $400 to $1,500", "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts." ], "eligibility": [ "Applications for Interest-free Low fee credit card are subject to CBA's lending policy for new Low Cost Credit Contracts." ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 1, "of": 52, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/d34e453e721640f983c03922f567463a", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/d34e453e721640f983c03922f567463a.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/008-196.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "76d24ebc94e94b368f829e343dce4b49", "product_name": "Low Fee credit card", "product_label": "Low Fee Credit Card", "product_slug": "low-fee-credit-card", "page": "/au/finance/credit-cards/cards/commbank/low-fee-credit-card/", "product_url": "https://www.commbank.com.au/credit-cards/low-fee.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "fees_url": "https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf", "eligibility_url": "https://www.commbank.com.au/credit-cards/low-fee.html", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "Enjoy the flexibility and convenience of a credit card with a low monthly fee.", "purchase_rate_pct": 20.99, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": null, "cash_advance_rate_pct": 21.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 36.0, "fee_period": "monthly", "fee_as_stated": 3.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Monthly fee", "fee_offers": [ "No monthly fee if you spend at least $300 in your statement period (on purchases and cash advances only). Otherwise the monthly fee is $3" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": 0.0, "balance_transfer": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Apple Pay", "Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "from 1 February 2027 the purchase rate rises to 21.99%, the cash advance rate to 23.99% and the monthly fee to $4 (no fee when $300 is spent); from 1 April 2027 interest-free days fall from 55 to 44", "from 1 April 2027 up to 44 interest-free days, down from 55", "from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap", "offer not for anyone holding, or who held in the last 24 months, a Low Rate or Low Fee card, nor for switches" ], "eligibility": [ "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application." ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://api.commbank.com.au/public/cds-au/v1/banking/products/76d24ebc94e94b368f829e343dce4b49", "source_snapshot": "/au/finance/credit-cards/v1/source/commbank/76d24ebc94e94b368f829e343dce4b49.json", "snapshot_at": "2026-11-12T02:35:51Z", "bank_last_updated": "2026-11-12T02:15:46.000Z", "key_facts_sheet_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "4002561833054353a1fe48d27be120aa", "product_name": "Low Rate credit card", "product_label": "Low Rate Credit Card", "product_slug": "low-rate-credit-card", "page": "/au/finance/credit-cards/cards/commbank/low-rate-credit-card/", "product_url": "https://www.commbank.com.au/business/business-credit-cards/business-low-rate-credit-card.html", "terms_url": "https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf", "fees_url": "https://www.commbank.com.au/content/dam/commbank/business/pds/003-840-personal-liability-card-fees.pdf", "eligibility_url": "https://www.commbank.com.au/business/business-credit-cards/business-low-rate-credit-card.html", "card_type": "credit", "scheme": "mastercard", "tier": null, "segments": [ "business" ], "segment": "business", "description": "Ideal for small business owners looking for a line of credit with a competitive interest rate and no annual fee. 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"Garmin Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": true, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 500.0, "max_credit_limit": 50000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a business card: the record's own page is the bank's Business Low Rate credit card, in its business credit cards section", "credit limit $500 to $50,000", "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.", "cash advance fee capped at $150 (flat $2.50 if the account was in credit)" ], "eligibility": [ "Applications for credit cards are subject to credit approval.", "Each application for credit is assessed on the ability of the applicant to service debt (limit) based 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From your first statement issued on or after 1 January 2027, the monthly fee waiver based on spend will be removed and the $35 monthly fee will apply." ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 0.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": 0.0, "balance_transfer": null, "rewards_program": "CommBank Yello Program", "rewards_programs": [ "CommBank Yello Program", "Qantas Frequent Flyer Program" ], "rewards_program_fee": 149.0, "bonus_offer": "100000 Earn up to 100,000 CommBank Yello points: Earn 50,000 CommBank Yello points when you spend $9,000 or more on eligible spend with your new Ultimate credit card within 90 days of activating your card, and become CommBank Yello eligible within that 90-day period and remain eligible until the po…", "cashback_offer": "Mastercard Travel Rewards Enjoy cashback offers when you travel overseas and pay with your Ultimate Mastercard at participating merchants. 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