---
title: "StepPay — CommBank"
description: "Buy Now Pay Later from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/1c721b3bcefe47eaa31e4ec98d8703f7
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-30T02:15:39.000Z
---

# StepPay — CommBank

> Buy Now Pay Later from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Buy Now Pay Later**

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.

## At a glance

- **From:** 0% (0% comparison)

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/banking/buy-now-pay-later/steppay.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 0% | 0% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Late Payment Fee — 1 · 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 |

## Instalment plans

- **Plan splits** — 4 instalments
- **Minimum plan value** — $100.00
- **Maximum plan value** — $2,000.00

## 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** (Instalments can be paid early by selecting "Pay" in the StepPay repayments tab)
- **Instalment plan** (Eligible purchases split across 4 fortnightly instalments)
- **Notifications** — Repayment reminder notifications 1 day prior to the due date
- **Notifications** — Overlimit notifications when a customer exceeds the StepPay credit limit
- **Notifications** — Notifications each time a StepPay purchase is made
- **Notifications** — Missed payment notification are sent to customers one day after a scheduled repayment is missed
- **Fraud protection** (Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank)
- **Bill payment (BPAY)** — BPAY View
- **Predicts future StepPay bills**
- **categorises StepPay expenditure**
- **Mastercard ID Theft protection & Insurance with StepPay transactions**
- **Access exclusive flight, hotel and car offers via the CommBank app**

## Eligibility

- **Minimum age** — 18 years
- **Individuals only** (The 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 from CommBank

- [Overview](https://www.commbank.com.au/banking/buy-now-pay-later/steppay.html)
- [Terms & conditions](https://www.commbank.com.au/steppayterms)
- [Eligibility](https://www.commbank.com.au/banking/buy-now-pay-later/steppay.html)
- [Fees & pricing](https://www.commbank.com.au/content/dam/commbank-assets/banking/buy-now-pay-later/docs/008-165.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `1c721b3bcefe47eaa31e4ec98d8703f7`
- Last updated by the provider: 30 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/1c721b3bcefe47eaa31e4ec98d8703f7
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/1c721b3bcefe47eaa31e4ec98d8703f7) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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