Features
Gold Awards credit card
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Up to 2 Awards points^ for every $1 spent on the Commonwealth Bank Gold Awards American Express® Credit Card.
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Interest-free period
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Up to 55 days interest free on purchases and most bill payments.
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Complimentary International Travel Insurance
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You’ll automatically receive complimentary overseas travel insurance free of
charge for you, your spouse and your dependent children for return trips of up
to 3 months, if you meet the eligibility criteria~.
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Most purchases will gain up to one extra year's warranty on top of the manufactures Australian Warranty.
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Most purchases made with your Gold cards are protected by our Purchase security insurance. If these items are lost, stolen or damaged within 90 days, we’ll repair or replace them.
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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 Condition of Use.
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Enhanced security chip on the MasterCard® 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 card against a MasterCard® PayPass™ reader.
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Share your account with an additional 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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Transactions updated instantly
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Your Commonwealth Bank Credit Card gives instant transaction 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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Offers optional card repayment cover against death, disablement and involuntary unemployment up to a maximum of $15,000.
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Complimentary Overseas
Travel Insurance
You’ll automatically receive complimentary overseas travel insurance free of charge for you, your spouse and your dependent children for return trips of up to 3 months, if you meet the eligibility criteria~. Find out more.
Extended warranty insurance
How many times have you had something break just after the warranty has expired? When you use your Gold card, most purchases will gain up to one extra year's warranty on top of the manufactures Australian Warranty.
Purchase security
insurance
Most purchases made with your Gold card are protected by our Purchase security insurance. If these items are lost, stolen or damaged within 90 days, we’ll repair or replace them.
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.
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.
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.
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.
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**
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*.
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Important Information
~You must charge to the cardholder’s eligible credit card account or pay using the cardholder’s Commonwealth Awards points, or a combination of both, a set amount of each person’s prepaid travel costs, and travel together for the entire journey. Exclusions, including pre-existing medical conditions, and an excess on some claims, may apply. Please refer to our Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure (PDF 374KB) for full details, including definitions of key terms such as ‘spouse’ and ‘dependent children’.
^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 Program Terms and Conditions for full details
* Excludes manual transactions and some contactless payments
** Subscription to this service may be limited.
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. Please view our Credit Card Conditions of Use. 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.
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You can now transfer your balance from another financial institution or store-issued credit card in NetBank.
