Features
Awards credit card features
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Up to 1.5 Awards points^ for every $1 spent on the Commonwealth Bank Awards American Express Credit Card® Up to 1 Awards point^ for every $1 spent on the Commonwealth Bank Awards MasterCard® along with the convenience of worldwide acceptance at over 32 million locations.
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Up to 55 days interest free on purchases and most bill payments
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We guarantee that you will never be held liable for fraudulent use of your credit card provided you follow the Credit Cards Conditions of Use (PDF 247KB).
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Enhanced security chip on your MasterCard® credit card and leading fraud detection systems.
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MasterCard® PayPass™, a faster way to pay
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Make payments by simply tapping your MasterCard® credit card against a PayPass™ reader.
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Share your account with an additional credit card and earn points faster. A $15 annual fee applies.
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State of the art fraud protection
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Advanced systems in place, monitoring your account 24/7.
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Help is available to you 24/7 while you are away from home.
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Offers optional credit card repayment cover against death, disablement and involuntary unemployment up to a maximum of $15,000.
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Transactions updated instantly
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Your Commonwealth Bank Credit Card gives instant transactions updates, 24/7, 365 days a year*.
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With the power of Search technology, you can keep track of your spending.
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Make sure that you never miss a credit card payment by setting up custom alerts and payment reminders.
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Shop online safely
We guarantee that you will never be held liable for the unauthorised use of your credit card when you shop online, provided you follow the Credit Cards Conditions of Use (PDF 247KB).
When using your MasterCard® or Visa card, Secure Internet Shopping offers the peace of mind you need to buy online. Just look for the MasterCard® SecureCode™ logo or Verified by Visa logo on a merchant’s website. When you’re ready to purchase simply enter your Visa Password or MasterCard® SecureCode™.
Benefit from enhanced security protection
Feel secure with state of the art fraud detection systems. And with your MasterCard® card, you will have the reassurance that your card and money is protected by an enhanced security chip. Find out more.
Enjoy a faster way to pay
MasterCard® PayPass™ is a faster, easier way to make purchases. Make payments by simply tapping your card against a PayPass™ reader. Once the transaction is confirmed, you're done. No need to sign or enter a PIN for amounts under $100. You just Tap and Go. Find out more about MasterCard® PayPass™, its features, where you can find it and more.
Apply for an additional credit card
We can provide you with an additional card for $15, if you choose to share your account. Remember that you will be responsible for their transactions as well as your own. Apply for an additional cardholder now (PDF 552KB).
State of the art fraud protection
We know how important security is to you so we have developed state of the art fraud detection systems which monitor your account 24/7. The systems detect any abnormal transactions or spending patterns on your account, and if deemed suspicious, we will contact you immediately to confirm it was yours.
Emergency Travel Assistance
Wherever you travel worldwide, you can always count on MasterCard Global Service™ for any card-related need. Call us 24 hours a day, 365 days a year and we'll connect you with a representative who speaks your language, and can help with lost or stolen cards, emergency replacement cards and more.
CreditCard Plus
CreditCard Plus is an affordable insurance option that’s designed to help you meet your minimum monthly credit card repayments if you suffer total temporary disablement due to an injury or illness or if you are involuntarily unemployed. In some cases, it can cover you for the balance owing on your card. Conditions and fees apply*.
Transactions updated instantly
Your Commonwealth Bank Credit Card gives instant transaction updates, 24/7, 365 days a year*. There’s no more waiting overnight or until Tuesday to see your weekend transactions. With instant updates, you’ll always know where you stand.
Transaction Location Mapping
Ever seen a transaction from a store you don’t remember shopping at? With the power of Search technology, you can keep track of your spending like never before. From your online credit card statement, you can easily monitor the shops and locations where you have used your card.
Alerts
Make sure that you never miss a credit card payment by setting up custom alerts and payment reminders. You will then receive an SMS or email five days before your credit card payment is due, making it simple to manage your repayments**.
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Important information
The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF 68KB). Please view our Credit Card Conditions of Use (PDF 247KB).
CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035. A PDS for CreditCard Plus is available by clicking here and should be considered before making any decision about CreditCard Plus. The offer made in the PDS is currently available only to permanent residents of Australia and persons receiving the document within Australia. Applications from outside Australia will not be accepted.
American Express® is a registered trademark of American Express. This credit card program is issued and administrated by Commonwealth Bank of Australia.
MasterCard and the MasterCard Brand Mark and PayPass and SecureCode are registered trademarks of MasterCard International Incorporated.
^Points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping – refer to the Commonwealth Awards Programs Terms and Conditions for all the information.
*Excludes manual transactions and some contactless payments
** Subscription to this service may be limited
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You can now transfer your balance from another financial institution or store-issued credit card in NetBank.
