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20.74%
5.99% for 5 months and then 21.74%
$144.00
55

20.74%
5.99% for 5 months and then 21.74%
$144.00
55
(how did we do it? find out...)
(how did we do it? find out...)
The Commonwealth Bank might be one of Australia’s oldest and largest banks, but lately it’s determined to do things differently. The Commonwealth Bank reckons it’s focusing more on customer service and earning your business rather than counting on it. If you like the sound of that, then check out the Commonwealth Bank’s wide range of personal banking products, including term deposits, savings accounts, credit cards, home loans and personal loans.
| Product Type | Overall | Price | Features | Service | Convenience | Trust |
|---|---|---|---|---|---|---|
| Commonwealth Bank credit cards |
6.7
Based on 890 Commonwealth Bank credit card reviews |
5.6 | 5.9 | 6.9 | 7.8 | 6.9 |
Read Commonwealth Bank credit card reviews by the Mozo community
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More contact from the bank would be good.
Got this credit card with the Wealth Package supplied by the Commonwealth Bank. Because it is with the Package there are no annual fees although for the first 3 years I was charged a fee that I had to go to the branch to get removed and repaid. ... Full review
Got this credit card with the Wealth Package supplied by the Commonwealth Bank. Because it is with the Package there are no annual fees although for the first 3 years I was charged a fee that I had to go to the branch to get removed and repaid. The interest rate is quite high at 24% and there has been no contact from the bank to review this rate with me. Granted I have not bothered to go myself to talk with them either. I am regularly contacted by the bank to offer me a higher limit, which can be handy at times but I haven't always accepted. The main thing I would like with this product is more contact from the bank with regard to the best interest rate for me.
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Great customer service and the best website.
The features of your card are always available. If you don't know them find them! Choose a card to suit your needs. If your card doesn't suit you, change. Full review
The features of your card are always available. If you don't know them find them! Choose a card to suit your needs. If your card doesn't suit you, change.
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Helping me shop safely
Comm Bank seem to be always looking out for me with this card. I do a lot of online shopping and they always call to check its me making the payment if it's really late or a site I haven't used before. Full review
Comm Bank seem to be always looking out for me with this card. I do a lot of online shopping and they always call to check its me making the payment if it's really late or a site I haven't used before.
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Fantastic
I have had account for years and they have been extremely helpful in every way possible I recommend them to everyone. Full review
I have had account for years and they have been extremely helpful in every way possible I recommend them to everyone.
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Great customer service
I have had the card scammed twice but in each instance I have not been penalised by the bank. I like the product as I use I find it very convenient especially when travelling overseas. Any queries I have had have been treated very well and the c... Full review
I have had the card scammed twice but in each instance I have not been penalised by the bank. I like the product as I use I find it very convenient especially when travelling overseas. Any queries I have had have been treated very well and the customer service has been excellent
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A fair service that is not up to speed
I have to actually pay a fee to have a gold credit card which is substantial. The only reason I do this is you get travel insurance (mind you I have never tested this product with a claim) Full review
I have to actually pay a fee to have a gold credit card which is substantial. The only reason I do this is you get travel insurance (mind you I have never tested this product with a claim)
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Great if you want free travel insurance
Get two credit cards for the one account - a Mastercard and an Amex. Points earned from shopping with the cards can be spent at the CBA store or the Qantas store. Using the Amex card gets you more points than using the Mastercard, but Amex isn't a... Full review
Get two credit cards for the one account - a Mastercard and an Amex. Points earned from shopping with the cards can be spent at the CBA store or the Qantas store. Using the Amex card gets you more points than using the Mastercard, but Amex isn't accepted everywhere, and merchants sometimes charge a fee to use Amex. Pay bill in full each month to avoid hefty interest charges. If you pay for an overseas holiday using the card, you get free travel insurance.
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Fantastic customer service and trustworthy people
Gold Awards is so good you forget its a credit card, a double edged sword. Be wary young players Commonwealth Bank know how to deal! Full review
Gold Awards is so good you forget its a credit card, a double edged sword. Be wary young players Commonwealth Bank know how to deal!
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Expensive card to maintain
Has to be one of the most expensive credit cards around if you do not pay off the balance in FULL every month. The yearly charges are also high at $135. Full review
Has to be one of the most expensive credit cards around if you do not pay off the balance in FULL every month. The yearly charges are also high at $135.
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Great customer service, rewards and low fees
The CBA is a very reputable bank with low fees, fantastic personal customer service, great rewards and the card is accepted everywhere. Their online banking is very easy to use and understand. Very happy with this product - have been a CBA account... Full review
The CBA is a very reputable bank with low fees, fantastic personal customer service, great rewards and the card is accepted everywhere. Their online banking is very easy to use and understand. Very happy with this product - have been a CBA account holder for over 20 years and wouldn't change to a competitor
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Rip off rates!
Although credit cards are convenient, I find they are deceptively too easy to use (WAY TOO EASY TO GET) and it is easy to fall into the trap of using them everyday and jacking them back up to their limits and then spending the next decade in payin... Full review
Although credit cards are convenient, I find they are deceptively too easy to use (WAY TOO EASY TO GET) and it is easy to fall into the trap of using them everyday and jacking them back up to their limits and then spending the next decade in paying them off. Although interest rates go down for loans (though not lately) credit card rates never seem to change and are exorbitantly high and severely unfair in this frail economy and a struggle for most families who are continually having to fall back on them.
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Average rates, great service, flexible rewards.
Commonwealth's Gold Awards program meets the standard benchmarks in terms of fee structure and overall product packaging. As an entry level product in to their elite status program, the earn rate for awards points is good, especially when the... Full review
Commonwealth's Gold Awards program meets the standard benchmarks in terms of fee structure and overall product packaging. As an entry level product in to their elite status program, the earn rate for awards points is good, especially when the additional Amex card is utilised for additional/bonus points. Redemption's on the dedicated Commonwealth Awards Store are pricey, but there is good value in transferring points to nominated frequent flyer programs (especially Virgin Australia). There are several worthwhile perks for travellers including free travel insurance and a concierge which ultimately round the product out to a decent level of value for a niche market of consumers.
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Not very competitive with interest rate and fees.
I don't think this product is competitive in the current credit card market in regard to interest rates and annual fees. We have this card with a wealth package and have a minimum credit limit which we cannot go below, don't like that. Especially ... Full review
I don't think this product is competitive in the current credit card market in regard to interest rates and annual fees. We have this card with a wealth package and have a minimum credit limit which we cannot go below, don't like that. Especially in this economic climate. Overall would not have this card by choice.
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Great earn for QANTAS Frequent Flyers
This product has given me enough frequent flyer points to upgrade my flights to London to Business! It has an amazing earn rate on the added AMEX card Full review
This product has given me enough frequent flyer points to upgrade my flights to London to Business! It has an amazing earn rate on the added AMEX card
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Great accessible service.
This product is easily tied in with our other accounts and set up to be auto paid so no interest is ever charged. The awards are also quite good because we use our card for the majority of household purchases. Full review
This product is easily tied in with our other accounts and set up to be auto paid so no interest is ever charged. The awards are also quite good because we use our card for the majority of household purchases.
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Fexability and rewards programs are excellent.
The Comm Bank Gold Award Credit Card is so flexible with payments and rewards. I travel often (at least 2 to 3 times a year) and find that it works for me. I do all my payments (insurance, food, petrol, goods and services) and it allows me to repa... Full review
The Comm Bank Gold Award Credit Card is so flexible with payments and rewards. I travel often (at least 2 to 3 times a year) and find that it works for me. I do all my payments (insurance, food, petrol, goods and services) and it allows me to repay interest free over 55 days. One of the main attributes is its frequent flyer rewards program that is also linked to the AMEX card.
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Award points build up and become useful.
Works great for me. Build up a useful number of award points each year and get to buy something useful. Full review
Works great for me. Build up a useful number of award points each year and get to buy something useful.
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Superb card for the overseas traveller.
I have the Gold credit card, with this I save on Travel insurance when overseas. This is part of the Gold credit card system, which means a lot especially as it has no age cut off. Wonderful service. Full review
I have the Gold credit card, with this I save on Travel insurance when overseas. This is part of the Gold credit card system, which means a lot especially as it has no age cut off. Wonderful service.
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Great Face to Face Customer service....
Unfortunately we were unaware that we actually had a rewards Gold Credit card...at the time this was set up this was through a company acting of our behalf, so I believe that they actual bank did not know that we didn't have all necessary informat... Full review
Unfortunately we were unaware that we actually had a rewards Gold Credit card...at the time this was set up this was through a company acting of our behalf, so I believe that they actual bank did not know that we didn't have all necessary information. Recently we have been into our local branch and the service was fantastic, we are currently looking for a lower % rate card and the Customer Service attendant was very helpful. I would recommend to anyone looking to ask as many questions as possible and also look for the most beneficial card to suit YOUR needs. I love the idea of the rewards cards, just not so sure I like the % rate of interest charged nor the yearly card charges....but then it comes down to YOUR OWN needs and choices.
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Use the terms to your advantage!
Most of the financial institutions treats us as being stupid! It is time that they understood we have the power, we can change who we use for financial products. The CBA is making a genuine attempt to keep its customers happy. Remember this when y... Full review
Most of the financial institutions treats us as being stupid! It is time that they understood we have the power, we can change who we use for financial products. The CBA is making a genuine attempt to keep its customers happy. Remember this when you are negotiating your terms.
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