Commonwealth Bank credit card reviews

Commonwealth Bank
Commonwealth Bank's overall rating for credit cards

(as rated by the Mozo community)

6.9 / 10

based on 8172 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Commonwealth Bank

Recent Commonwealth Bank credit card reviews

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   10 / 10

Excellent

Perfect.

Full review

Perfect.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Rabar, Western Australia, reviewed 8 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   5 / 10

Very good customer service, very friendly

There was a recent fault in the system but other than that its good.

Full review

There was a recent fault in the system but other than that its good.

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Jeyden, Victoria, reviewed 10 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   6 / 10

Not the best bank to get a credit card through

They have super high and regular fees which you only notice when you look back at your bank statement. They are also very persistent if you do miss a payment, calling multiple times a day and at really odd times with a computer on the other end of...

Full review

They have super high and regular fees which you only notice when you look back at your bank statement. They are also very persistent if you do miss a payment, calling multiple times a day and at really odd times with a computer on the other end of the line so there isn't really anything you can do unless you have the money to pay straight away.

    Price   3 / 10

    Features   3 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

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Paige, New South Wales, reviewed 15 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Hmm.. strange?

Great features but not the greatest when it comes to cancelling a lost card as the whole account disappears from your account. How can you pay it if it's no longer there?

Full review

Great features but not the greatest when it comes to cancelling a lost card as the whole account disappears from your account. How can you pay it if it's no longer there?

    Price   10 / 10

    Features   10 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jessica, Queensland, reviewed 16 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   10 / 10

No hassle checking balances

Low interest rates make it easy to keep up with repayments.

Full review

Low interest rates make it easy to keep up with repayments.

    Price   10 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Leigh, Victoria, reviewed 16 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   10 / 10

Great Customer Service

I have found Commonwealth Bank to be the best bank that suits all my needs.

Full review

I have found Commonwealth Bank to be the best bank that suits all my needs.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Peta, Tasmania, reviewed 24 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   0 / 10

Not that competitve and poor features

Service is really poor.

Full review

Service is really poor.

    Price   0 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

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Sante, Victoria, reviewed 28 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   6 / 10

Average and generally competitive

CBA is a reliable bank.

Full review

CBA is a reliable bank.

    Price   4 / 10

    Features   5 / 10

    Convenience   1 / 10

    Trust   6 / 10

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Jan, Queensland, reviewed 28 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   10 / 10

Great

Very handy.

Full review

Very handy.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Lance, Queensland, reviewed 28 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Good product and great customer service

The credit card meets my needs and expectations. Customer service has been particularly good.

Full review

The credit card meets my needs and expectations. Customer service has been particularly good.

    Price   6 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   5 / 10

    Trust   7 / 10

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Wendy, Australian Capital Territory, reviewed 29 days ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   7 / 10

Very safe online

Very reliable and safe.

Full review

Very reliable and safe.

    Price   3 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Karen, New South Wales, reviewed 29 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   6 / 10

They are good

They are pretty good but they can be nasty.

Full review

They are pretty good but they can be nasty.

    Price   6 / 10

    Features   4 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   5 / 10

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Christopher, Queensland, reviewed 29 days ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   10 / 10

Rewards and convenience in one

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

Full review

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jane, Western Australia, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank Platinum Awards Credit Card credit card review

Overall rating   10 / 10

Rewards and convenience in one

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

Full review

Rewards points are easy to get, lots of choices when you redeem, Amex and Mastercard operate the one account, never pay interest as balance is paid off by due date, totally convenient and hassle free.

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Jane, South Australia, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   2 / 10

Not very happy

Not very impressed with my credit card deal. They still charge so much on the interest rates. If only there was a perfect card out there.

Full review

Not very impressed with my credit card deal. They still charge so much on the interest rates. If only there was a perfect card out there.

    Price   2 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   8 / 10

    Trust   5 / 10

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Jeanette, Queensland, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank Low Rate Credit Card credit card review

Overall rating   2 / 10

Not very happy

Not very impressed with my credit card deal. They still charge so much on the interest rates. If only there was a perfect card out there.

Full review

Not very impressed with my credit card deal. They still charge so much on the interest rates. If only there was a perfect card out there.

    Price   2 / 10

    Features   0 / 10

    Customer service   1 / 10

    Convenience   8 / 10

    Trust   5 / 10

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Jeanette, Western Australia, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   3 / 10

Subpar

It's really not that good. Idk about it just was the bank I signed up with.

Full review

It's really not that good. Idk about it just was the bank I signed up with.

    Price   2 / 10

    Features   4 / 10

    Customer service   3 / 10

    Convenience   2 / 10

    Trust   2 / 10

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Charlotte, New South Wales, reviewed 6 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   7 / 10

Have been looked after for over 30 years

I chose the low rate card because I thought it would cost less, but there could be better cards available now.

Full review

I chose the low rate card because I thought it would cost less, but there could be better cards available now.

    Price   5 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Suzanne, Tasmania, reviewed 6 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   6 / 10

Staff are friendly

Not great benefits with the card though.

Full review

Not great benefits with the card though.

    Price   7 / 10

    Features   0 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   6 / 10

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Tanya, Queensland, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   9 / 10

Very good

Good monthly rates.

Full review

Good monthly rates.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Robert, South Australia, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   5 / 10

Could lower the interest rate

There are I branches in most locations with pleasant and helpful staff. They are helpful with phone enquires and the app is easy to use.

Full review

There are I branches in most locations with pleasant and helpful staff. They are helpful with phone enquires and the app is easy to use.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   7 / 10

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Beth, Queensland, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   10 / 10

10/10

Best bank, trustworthy.

Full review

Best bank, trustworthy.

    Price   8 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sereyo, South Australia, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   6 / 10

Average banking, with reliable online banking

Customer service is great and online banking and ATM is easy and reliable. They don't negotiate well to keep your business in a competitive market.

Full review

Customer service is great and online banking and ATM is easy and reliable. They don't negotiate well to keep your business in a competitive market.

    Price   3 / 10

    Features   3 / 10

    Customer service   4 / 10

    Convenience   10 / 10

    Trust   5 / 10

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Kim, New South Wales, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   10 / 10

Good customer service

Easy internet banking, good customer service, good location.

Full review

Easy internet banking, good customer service, good location.

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Lesley, Queensland, reviewed 7 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   9 / 10

Precise and friendly

The staff are tops.

Full review

The staff are tops.

    Price   5 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Lloyd, Victoria, reviewed 7 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    8.0

    Based on 201 ME credit card reviews

    Need more information?
    Go to site

    More info

  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

    Go to site

    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.6

    Based on 860 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425

    Go to site

    More info

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $425
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.7

    Based on 6049 ANZ credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year

    balance transfer rate

    0% p.a. for 6 months and then 20.99% p.a.

    purchase rate

    0% p.a. for 14 months then 20.74% p.a.

    annual fee

    $129

    Go to site

    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Annual fee: $129
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 202 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Want more? Compare all 217 credit cards in the Mozo comparison engine.

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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