Can the Commonwealth Bank American Express ® Card be used to make ATM withdrawals?
Yes, the Commonwealth Bank American Express Card can be used to make a cash advance at all Commonwealth Bank ATMs and at any ATM which displays the American Express symbol in Australia or overseas. The usual cash advance fees will apply. Customers will not earn Awards points on cash advances.

Can the Commonwealth Bank American Express Card be used for BPAY transactions?
No. Currently BPAY payments cannot be made using your Commonwealth Bank American Express Card.

Will my replacement MasterCard® card or Visa card have the same card number? And will that number be the same for my new Commonwealth Bank American Express Card?
Your new MasterCard card or Visa card will have the same number as your current card, but the expiry date will change. Your Commonwealth Bank American Express Card will have its own number, so it’s different from your MasterCard card or Visa card number.

When I make payments, how will this be allocated between my Commonwealth Bank American Express Card and MasterCard card or Visa card?
Your credit card account has one credit limit, one statement and one balance. Transactions made on either card are added together to make up the one balance. Each month you only need to make a single payment on your account.

What will happen to my existing direct debits?
If you have direct debits from your Commonwealth Awards MasterCard or Visa you will need to contact your third party provider and supply the new expiry date on your card.

What will happen to my PIN?
Your existing PIN will continue to work with your Visa or MasterCard. You'll just need to create a separate PIN for use with your Commonwealth Bank American Express Card. The fastest and easiest way to create the PIN of your choice is through NetBank. Alternatively, you can visit any branch.

Will additional cardholders be sent their cards?
Yes. Any additional cardholders will be sent their cards at the same time we send you yours.

I have a Commonwealth Bank Credit card but it’s not an eligible Awards card. How can I get a Commonwealth Bank American Express Card?
Simply request an upgrade to a new Awards, Gold Awards or Platinum Awards credit card. Then when you’ve activated your new card you request the Commonwealth Bank American Express Card online. To upgrade call 13 2221 24 hours a day, 7 days a week, download a form or visit your local branch.

I don’t want a Commonwealth Bank American Express Card. How do I stop it?
Existing customers don’t need to do anything. You will only receive one if you specifically request it.

Isn’t American Express accepted at fewer places than my MasterCard card or Visa card?
While American Express is not accepted as widely as your MasterCard card or Visa card there are still many merchants that accept American Express and the list is growing all the time. Find out which merchants accept American Express.

I have a Commonwealth Bank credit card but it’s not an eligible Awards card. How can I get a Commonwealth Bank American Express card?               
The Commonwealth Bank American Express Card is only available with an Awards card: Awards, Gold Awards, Platinum Awards or Diamond Awards. To upgrade call 13 2221, 24 hours a day, 7 days a week, download a form or visit your local branch.