StepPay
StepPay is our digital-only buy now, pay later product that you can add to your CommBank app or a digital wallet on your smart device. You can use StepPay to pay everywhere in-store and online, up to your credit limit - without a physical card. You can enjoy: No interest charges, No monthly or annual fees, Spend limits up to $2,000, No foreign exchange fees, Late payment fees will apply, but fees are capped. Fees and charges may apply to your linked CommBank account.
- From
- 0%
- 0% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 0% | 0% | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Late Payment Fee Capped at $120.00 per 1 year · If you miss a repayment, a $10 late fee may apply, and you won't be able to spend with StepPay until you have enough available funds in your repayment account. If late fees are applied, they are capped at: 1 late fee per instalment (there are 4 instalments per purchase), 2 late fees per purchase, 1 late fee per day, 12 late fees from anniversary year date or contract start date | Late payment | $10.00 |
| International transaction fee (Mastercard transactions) Pay no international transaction fees for purchases you make overseas or online. | Transaction | 0% of transaction |
| Monthly fee No monthly fees | Transaction | $0.00 |
Features
- Card access — Digital card only. No physical card
- Digital banking
- Online banking available via website (NetBank) and CommBank App
- Digital wallet — CommBank Tap and Pay
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Digital wallet — Garmin Pay
- Digital wallet — Samsung Pay
- Extra repayments
Eligibility
- Minimum age — 18 years
- Individuals onlyThe customer must be a natural person rather than another legal entity.
- Residency status — Applicants must be Australian citizens or permanent residents.
- Applicants must have an Australian residential address
- Applicants must have an eligible CBA transaction account to which the product will be linked
- Applicants must meet CBA's credit assessment criteria for Low Cost Credit Contracts
Constraints
- Maximum limit — $2,000.00
- Minimum limit — $200.00
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 1c721b3bcefe47eaa31e4ec98d8703f7 · View on CDR.gov.au