Can I use my CommBank Awards American Express Card overseas?
Yes, however there are some terminals overseas that may not accept Contactless transactions. You can still swipe and enter a PIN using your CommBank Awards American Express Card though.
Fees and charges will apply when making a cash advance at all CommBank ATMs and at any ATM which displays the American Express symbol overseas.
Can the CommBank American Express Card be used to make ATM withdrawals?
Yes, the CommBank American Express Card can be used to make a cash advance at all CommBank ATMs and at any ATM which displays the American Express symbol in Australia or overseas. A cash advance fee will apply. Awards points are not earned on cash advances.
When I make payments, how will this be allocated between my CommBank 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 PIN?
If your card number remains the same your existing PIN will continue to work.
If you have requested a new card and your card details have changed, you will need a new PIN.
If you don’t have a PIN or have forgotten your PIN, you can:
- Log onto CommBank app. Click on Cards, select your card and choose card PIN
- Log onto NetBank. Click the More tab, Security and click My Card PIN
- Visit any CommBank branch or call us on 13 2221
From 1 August 2014, signatures will no longer be accepted for purchases made in person on all credit and debit cards issued in Australia and will require a PIN to complete the transaction. Of course, you can still make contactless payments for purchases under $100.
Why have I received an CommBank American Express Card?
Your card is linked to your existing CommBank Credit Card account, giving you the option to earn more points. You can stop using your card at any time, however please keep your CommBank Awards American Express handy though as your circumstances might change where you want to use it again.
Where can I use my CommBank Awards American Express Card?
You can use your CommBank Awards American Express Card at plenty of places, including major supermarkets, petrol stations, department stores and many other retail outlets.
There are thousands of places in Australia where you can use your CommBank Awards American Express Card without being surcharged and the list is growing all the time.
Merchants such as restaurants and boutiques may apply a surcharge but by law they must have clear signage to indicate the amount the percentage of the transaction they surcharge.
If you do choose to use the American Express Card at a surcharging merchant, the customer will earn points on the total amount they pay, including the surcharge.
Things you should know
Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances or balance transfers) and are subject to points capping– refer to the Commonwealth Awards Programs Terms and Conditions for all the information. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. This card is issued by Commonwealth Bank of Australia pursuant to a licence from American Express.