Awards & features

Exclusive Gold benefits

Gold Awards

Reward yourself with exceptional Gold Awards. Until January 31 2009, apply online for an Awards credit card and earn double points on all spend. At all other times earn one Commonwealth Awards point for every dollar you spend when you shop or pay most bills. Earn points and extra bonus points to spend on shopping, entertainment, travel, merchandise or to repay your card balance. Look out for special deals and bonus points from our Bonus Partners.

Annual fee waiver

We'll waive the first year annual fee on any credit card if you apply for a credit card at the same time as a Commonwealth Bank home loan or Viridian Line of Credit.

MasterCard Moments

Gold MasterCard cardholders gain access to exemplary packages and value-added benefits.

Travel benefits

FREE International travel insurance

Comprehensive overseas insurance, free of charge, for yourself, your spouse and your dependent children for return trips of up to 3 months. Available when you purchase your travel tickets with your Gold credit card or Commonwealth Awards. Conditions apply.

Your Global Connection

Enjoy complimentary access to international travel and emergency services, 24 hours a day, 365 days a year, when you're overseas. Just call 13 16 61 or reverse charges overseas +61 2 9921 5075.

Travel Plus

Turn your Commonwealth Awards points into a holiday. Travel Plus is our exclusive booking service for all your flights, accommodation and much more.

Commission-free travellers cheques

Present your Gold credit card when purchasing your travellers cheques at any branch and pay no commission.

Velocity & Qantas Frequent Flyer transfers

Convert 1.5 Commonwealth Awards points to one Qantas or Velocity Frequent Flyer point. Conditions apply.

Shopping benefits

Purchase security insurance

We’ll replace most lost, damaged or stolen items bought with your Gold credit card within 90 days of purchase. Conditions apply.

Extended warranty insurance

Use your Gold credit card for large purchases here or overseas, and we'll extend the normal manufacturer’s warranty by up to one year. Conditions apply.

Secure Internet Shopping (SIS)

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. For added security, look for the MasterCard SecureCode logo when you're online. Find out more about Secure Internet Shopping.

Enhanced security chip protection

Have peace of mind that your card and money is protected by an enhanced security chip and state of the art fraud detection systems. Find out more.

Other benefits

MasterCard^®  PayPass ^TM

MasterCard^®  PayPass ^TM 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 of $35 or less. Just Tap and Go. Find out more.

Card Repayment Cover - CreditCard Plus (optional)

CreditCard Plus will help cover your repayments if you are unable to work and in certain circumstances, it will cover you for the balance owing on your card. Conditions and fees apply.

Secure Sentinel (optional)

Register with Secure Sentinel. With a single phone call, you can report your lost or stolen credit card, along with your keys, mobile phone, passport and other valuables. It’s the ultimate protection against fraud.