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 8194 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

I love the bank account

The staff at Commonwealth Bank are really helpful.

Full review

The staff at Commonwealth Bank are really helpful.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Amina, Western Australia, reviewed about 1 month ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   8 / 10

I’m content

My bank does everything I need.

Full review

My bank does everything I need.

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Kim, Queensland, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Gold Credit Card credit card review

Overall rating   7 / 10

CBA has excellent customer service

Very easy to be vigilante and deal with any tempts are hacking your card.

Full review

Very easy to be vigilante and deal with any tempts are hacking your card.

    Price   7 / 10

    Features   5 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   5 / 10

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Rosemary, Queensland, reviewed 2 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Good customer service

The local branch has always been helpful.

Full review

The local branch has always been helpful.

    Features   7 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   5 / 10

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David, Western Australia, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank Low Fee Credit Card credit card review

Overall rating   10 / 10

Always helpful with any questions or deals

I have banked with Commbank for over 45 years and have had no problems with them at all. I have been offered other cards and accounts from other banks but Commbank has always come back to me with a better offer.

Full review

I have banked with Commbank for over 45 years and have had no problems with them at all. I have been offered other cards and accounts from other banks but Commbank has always come back to me with a better offer.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Debbie, Victoria, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank Platinum Awards Credit Card credit card review

Overall rating   10 / 10

Great customer service

You are able to go in any time to discuss any situation that arises with your banking.

Full review

You are able to go in any time to discuss any situation that arises with your banking.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Michael, Queensland, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   8 / 10

So far its been great

Been banking with CBA for maybe 20 years. They've not let me down yet.

Full review

Been banking with CBA for maybe 20 years. They've not let me down yet.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Joy, Queensland, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank Platinum Awards Credit Card credit card review

Overall rating   10 / 10

Reliable

I have been with CommBank for a while now and I don't have any complaints. They are reliable.

Full review

I have been with CommBank for a while now and I don't have any complaints. They are reliable.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Asha, Victoria, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   8 / 10

Not too sure about competitive interest rates

High interest rates, but can not change now as I don't work any more.

Full review

High interest rates, but can not change now as I don't work any more.

    Price   10 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Christine, New South Wales, reviewed 3 months ago

Commonwealth Bank

Commonwealth Bank credit card review

Overall rating   7 / 10

Established & steady

CBA is great for everyday banking. No bells & whistles.

Full review

CBA is great for everyday banking. No bells & whistles.

    Price   6 / 10

    Features   0 / 10

    Customer service   5 / 10

    Convenience   8 / 10

    Trust   7 / 10

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Shelley, Queensland, reviewed 4 months ago

Commonwealth Bank

Commonwealth Bank Awards Credit Card credit card review

Overall rating   7 / 10

I want options in a credit card.

I am interested in obtaining a low interest credit card as my current one has a high interest rate.

Full review

I am interested in obtaining a low interest credit card as my current one has a high interest rate.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Lorraine, South Australia, reviewed 4 months ago

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 4 months 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 4 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 5 months 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 6 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 6 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

  • MOZO EXPERTS CHOICE AWARDS 2018

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 50,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.

    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

    $395

    Go to site

    More info

    • Receive 50,000 Membership Rewards® Points (T&Cs apply).
    • $400 in Travel Credit each year.
    • Up to 2 Membership Rewards points per $1 spent. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    6.6

    Based on 863 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Qantas Money Qantas Premier Platinum

    Qantas Money Qantas Premier Platinum

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months

    balance transfer rate

    0% p.a. for 18 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $299 $149 in the first year

    Go to site

    More info

    • Up to 55 days (unless you have a Balance Transfer)
    • Purchase rate of 19.99% p.a.
    • 0% p.a. Balance transfers for 18 months
    • Balance transfer rate: 0% p.a. for 18 months and then 21.99% p.a.
    • Annual fee: $299 $149 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%, min $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
    Go to site

    More info

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $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
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $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

  • MOZO EXPERTS CHOICE AWARDS 2018

    HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    balance transfer rate

    0% p.a. for 22 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $129 Refunded when you spend over $6,000 p.a

    Go to site

    More info

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Balance transfer rate: 0% p.a. for 22 months and then 21.99% p.a.
    • Annual fee: $129 Refunded when you spend over $6,000 p.a
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.6

    Based on 438 HSBC credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Breeze Mastercard

    Bankwest Breeze Mastercard

    • 0.0% p.a. on balance transfers for 26 months (2% BT fee applies)
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost

    balance transfer rate

    0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 6 months then 12.99% p.a.

    annual fee

    $79 $0 in the first year

    Go to site

    More info

    • 0.0% p.a. on balance transfers for 26 months (2% BT fee applies)
    • Low ongoing purchase rate of 12.99% p.a
    • Up to 3 additional cardholders at no additional cost
    • Balance transfer rate: 0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $79 $0 in the first year
    • Purchase rate: 0% p.a. for 6 months then 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.3

    Based on 1027 Bankwest 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 219 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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