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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. Ongoing benefits include no annual fee, interest free, and no international transaction fees.

Updated 22 May 2024

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Expert Review

The CommBank StepPay credit card is one of CommBank's low interest rate products. Featuring a 0% p.a. 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 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas and no additional cardholder fees.

To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

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

No rewards program

Account Fees

$0 annual account fee

Transaction Fees

No international transaction fee

Other fees may apply.


Interest free

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

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