CommBank StepPay - Buy Now Pay Later

The CommBank StepPay Card offers a buy now pay later (BNPL) solution providing flexiblity to pay for a purchase over a short period of time without incurring interest, plus $50 cash back. Ongoing benefits include no annual fee, interest free, and no international transaction fees.


Updated 18 May 2022

* See details below

Expert Review

The CommBank StepPay credit card is one of CommBank's low interest rate products. Featuring a 0% purchase rate, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 1% lowest purchase rates. Further, the product has no annual fee, which is CommBank's lowest standard annual fee. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who doesn't want to pay interest on a small balance, and is happy to pay a fee for this. Other benefits include no foreign transaction fees, which are commonly around 3%, this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas and no additional cardholder fees.

Product Details
A new way to buy now, pay later. Split your purchases of $100 or more into four, anywhere."
- CommBank
Rewards

No rewards program

Fees
Account Fees

$0 annual account fee

Transaction Fees

No international transaction fee

Other fees may apply.

Rates

Interest free

Offers
Cash Back Offer

$50cash back

Earn up to $50 with 5% cashback on total spend in first 30 days.
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the CommBank website.

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