What you’ll need when applying for a CommBank Credit Card

Considering a new credit card? We offer a range of flexible credit card options for managing your daily expenses or larger one-off purchases. With our Award cards you can also earn rewards on your daily spend. 

It’s quick and easy to apply online. 

Before you start, you’ll need a few documents on hand. Also make sure you check our eligibility criteria. 

As part of your application, we might ask you to prepare a few documents for verification if it’s approved. 

Keep in mind, before you apply for a new credit card, make sure it’s right for you. 

This page is a handy guide to get you started. You won’t need to provide all the documents we’ve listed below – only those that apply to you.

To apply for a CommBank credit card you must:

• Be at least 18 years of age
• Be an Australian or New Zealand citizen, Australian Permanent Resident, or hold an eligible visa with expiry date at least six months from date of application
• Live in Australia and have an Australian address
• Not be going through the process of bankruptcy
• Be able to prove what you tell us such as proof of income and liabilities (e.g. Payslips and loan statements)
• Meet CommBank’s credit assessment criteria which includes demonstrating the capacity to service the credit facility

Identification

How much proof of ID you need to prepare will depend on whether you’re a new or existing CommBank customer.

New customers

If you're a new customer you'll need to provide one of the following forms of ID online:

• Australian driver's licence
• Australian birth certificate
• Passport
• Medicare card
   

If you don’t have any of the ID options above, you can visit your local branch with any two of the following:

• Birth certificate
• Citizenship certificate
• Pension card or health care card issued by Centrelink
• Household bill, e.g. rates, phone, or electricity bill.

Non-residents

If you're not a citizen or permanent resident of Australia, you'll need to provide your passport number for us to confirm your visa details.

If you're on a visa with no expiry date, you'll also need to provide us with a copy of your Grant Notice. If you don’t have this on hand, you can download your visa details from the Visa Entitlement Verification Online system (VEVO).

For eligible visa holders

• Your visa expiry date must be at least six months from the date of your application.
• If approved the credit card’s expiry date is limited to the expiry date of the visa.
   

The following visa types are ineligible for a CommBank credit card application:
 

Working holiday visas

• 417 – Working Holiday visa
• 462 – Work and Holiday visa
   

Studying, graduate and research visas

• 590 – Student Guardian visa
   

Temporary business visas

• 400 – Temporary Work (Short Stay Specialist) visa
   

Family & spousal visas

• 870 – Sponsored Parent (Temporary) visa
   

All other visa types

• 010, 020, 030, 040, 041, 050, 051 – Bridging visa
• 600 – Visitor visa
• 601 – Electronic Travel Authority
• 602 – Medical Treatment visa
• 651 – eVisitor visa
• 771 – Transit visa
• 785 – Temporary Protection visa
• 790 – Safe Haven Enterprise visa
• 942 – Crew Travel Authority
• 988 – Maritime Crew visa
• Special Purpose visa

If you’ve been approved and your salary isn’t paid into a CommBank account, we may ask for proof of your income.

Your individual employment status will determine the documents you may need to provide us.

Note: all documents must always clearly show your full name, along with any additional requirements listed below.

Full-time and part-time PAYG employees

Please provide us with any one of the following documents:

1.      Payslips

Your two most recent payslips clearly showing employer details and net income. Depending on your pay cycle, the most recent payslip must be within the following timeframe:

• Weekly – within the past 10 days
• Fortnightly – within the past 20 days
• Monthly – within the past 40 days.
   

2.      Bank statement OR transaction listing clearly showing three months' worth of salary credits. Depending on your pay cycle, your most recent salary credit must be within the following timeframe:

• Weekly – within the past 10 days
• Fortnightly – within the past 17 days
• Monthly – within the past 33 days
   

3.      Letter of employment OR Employment contract AND PAYG payment summary/Tax ready Income statement, Tax return OR Tax Notice of Assessment (NOA)

• Any one of the following, clearly showing your employer and income details (or hourly rate and minimum hours), start date and end date (if you’re on a fixed term contract):
  • Your employment contract, OR
  • Letter of employment (less than 3 months old)

AND

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

4.      If you’ve started a new job in the past two months, please provide us with both of the following:

• Any one of the following, clearly showing your employer and income details (or hourly rate and minimum hours), start date and end date (if you’re on a fixed term contract):
  • Your Employment contract, OR
  • Letter of employment (less than 3 months old)

AND

• Any one of the following:
  • Your most recent bank statement or transaction listing from the last three months clearly showing the income you receive, OR
  • Your most recent payslip (less than three months old) clearly showing your employer details and net income.

Casual employees

Please provide us with any one of the following documents:

1.    Payslips

• Three months' worth of payslips clearly showing your employer details and net income. Depending on your pay cycle, the most recent payslip must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 20 days
  • Monthly – within the past 40 days
     

2.   Bank statement OR transaction listing clearly showing the last three months' worth of salary credits. Depending on your pay cycle, your most recent pay must be within the following timeframe:

• Weekly – within the past 10 days
• Fortnightly – within the past 17 days
• Monthly – within the past 33 days
   

3.   PAYG payment summary/Income Statement, Tax return OR Tax Notice of Assessment (NOA) AND payslip

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

AND

• Any one of the following:
  • Your most recent bank statement or transaction listing from the last three months clearly showing the income you receive, OR
  • Your most recent payslip (less than three months old) clearly showing your employer details and net income.

4.      Letter of employment OR Employment contract AND PAYG payment summary, Tax return OR Tax Notice of Assessment (NOA)

• Any one of the following, clearly showing your employer and income details (or hourly rate and minimum hours), start date and end date (if you’re on a fixed term contract):
  • Your Employment contract, OR
  • Letter of employment (less than 3 months old)

AND

• Any one of the following (less than 18 months old) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA).

5.      If you’ve started a new job in the past three months, please provide us with both of the following:

• Any one of the following (less than 18 months old)) from the most recent financial year:
  • Your PAYG payment summary or Tax ready Income Statement OR
  • Tax return, OR
  • Tax Notice of Assessment (NOA)

AND

• Any one of the following:
  • Your most recent bank statement or transaction listing from the last three months clearly showing the income you receive, OR
  • Your most recent payslip (less than three months old) clearly showing your full name, employer details and net income.

Self-employed individuals

You are only able to use self-employed income if you've been running a business for at least 12 months (across one or more ABNs). If your time in business is less than 12 months, please refer to the PAYG income section above: Full-time and part-time PAYG employees. 

Please provide us with one of the following, depending on your circumstance:

• If you've been running a business for at least 12 months, you’ll need to provide either:
  • Your most recent personal Tax return, OR
  • Tax Notice of Assessment (NOA) (less than 18 months old) clearly showing your ABN/ACN.
• If you receive multiple sources of income, you'll need to provide your personal Tax return instead.
• If your Tax return for the latest financial year isn't available yet, please provide a letter from your accountant (less than 90 days old) clearly showing your annual taxable personal income from the most recent financial year and your accountant's ABN.

If you receive government benefits

We accept the following types of pensions, payments and allowances received from the government:

• Age Pension
• Veteran Affairs Pension
• Disability Support Pension
• Family Tax Benefit Part A and B
• Carer’s Income
• Parental Leave Pay
• Rent Assistance
• Supplement Payments
• AUSTUDY
• ABSTUDY
• Youth Allowance

Please provide us with one of the following:

• Your bank statement or transaction listing clearly showing three months' worth of account credits (including the transaction description 'Centrelink' or similar). Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days

• Your Centrelink income statement clearly showing the income amount you receive. Depending on your payment cycle, your most recent income statement must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 20 days

If you receive child support and maintenance

Please provide us with both of the following:

• A child support agency letter, solicitor's letter or a family law court order clearly showing the income you receive, the frequency of payments and the age of the child/children, 

AND

• Your bank statement or transaction listing clearly showing three months' worth of account credits including the transaction description 'child support' or similar. Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days
  • Monthly – within the past 33 days.

If you receive rental income

Please provide us with one of the following:

• A bank statement or transaction listing clearly showing three months' worth of rental credits (including the transaction description 'rent', 'rental', 'lease' or similar). Depending on your payment cycle, your most recent rental credit must be within the following timeframe:
  • Weekly – within the past 10 days
  • Fortnightly – within the past 17 days
  • Monthly – within the past 33 days.

• A letter or statement from the managing real estate agent (less than 90 days old) clearly showing the rental income you receive, any agent's fee or other deductions, the current tenancy status and a signature on the letter from the real estate agent.
• If your rental property is new within the past three months, please provide us with your lease agreement clearly showing the rental income you receive, the lease period and a continuation clause (if the lease term has already lapsed).  

If you receive investment income

Please provide us with one of the following:

• A bank statement or transaction listing clearly showing three months' worth of returns (including the transaction description 'investment', 'dividend', 'share' or similar). Depending on your payment cycle, your most recent account credit must be within the following timeframe:
  • Monthly – within the past 33 days
  • Quarterly – within the past 4 months
  • Bi-annually – within the past 7 months
  • Annually – within the past 13 months.

• An investment letter or statement from the entity in which the funds are invested/managed clearly showing three months' worth of returns, the current value (balance) and income generated from the investment. Depending on your payment cycle, your most recent statement must be within the following timeframe:
  • Monthly – within the past 40 days
  • Quarterly – within the past 4 months
  • Bi-annually – within the past 7 months
  • Annually – within the past 13 months

With your consent, any liabilities held with other financial institutions will be pre-filled in your application from a credit bureau. If any of these liabilities are incorrect or out of date, you can amend the liabilities in your application based on the current state.

If your application is approved and you hold debts with other financial institutions, including Buy Now Pay Later facilities, you may need to provide the following:

• Your most recent bank statement clearly showing your debt repayments

OR 

• Account statement for your relevant debt from your other financial institution clearly showing your account number and your debt repayments or credit limit.

If any prefilled liabilities are removed from the application, we may request documents to verify the account is closed.

If your application for a Business credit card (Personal Liability credit cards) is approved you may need to provide an ASIC business name extract.