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Security and insurance

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Security and insurance

Included Travel Insurance

Included travel insurance

As a CommBank Platinum or Diamond credit card customer, you can enjoy international travel insurance.*

It’s included with your card - simply activate your cover before you travel.

Issued and managed by Allianz Global Assistance, you’ll be covered wherever you go.1

Learn more
Activate now

Secure Internet Shopping

About Secure Internet Shopping

  • Secure Internet Shopping provides a more secure way to shop online
  • It offers added protection against fraudulent use of your card
  • Secure Internet Shopping utilises NetCode SMS to make it even safer

What is NetCode SMS?

  • It’s a security feature used in our online banking service, NetBank, to authorise certain transactions and activities
  • NetCode SMS is also used to authorise some purchases on websites and is supported by MasterCard® SecureCode™ and Verified by Visa®
  • Websites with NetCode SMS can be easily identified by these logos:

visa
  • NetCode SMS offers greater security and convenience when shopping on certain sites by asking you to enter a unique password
  • It’s a simple step to help ensure that you, and no one else, are accessing your account

How NetCode SMS works

  • When finalising a purchase, you may be prompted to generate and enter a NetCode SMS
  • The single-use password is sent to your mobile phone or generated by your NetCode Token device
  • This password is only valid for 30 seconds, and a new password is required for every transaction

How to register

  • If you’re registered for NetCode SMS through NetBank, you can already use Secure Internet Shopping
  • If you’re not registered for NetCode SMS, you can do so by:
    • Logging on to NetBank
    • Going to the ‘More’ tab, then ‘Security’
    • Clicking on ‘NetCode security’ and follow the instructions
  • If you’re not registered for NetBank, you can register now
  • If your mobile number hasn’t been recorded on NetBank, call 13 2221 to register for NetCode SMS

CommBank’s 100% security guarantee

  • We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account
  • We guarantee that you won’t be liable for any unauthorised transactions, provided you comply with the Credit Card Conditions of Use (PDF 248KB)
  • MasterCard® Zero Liability gives you the peace of mind of free protection against fraud and other unauthorised transactions made with your card

Tips for shopping online

  • Deal with merchants you trust such as those with a reputable trading name or brand, or merchants you've previously purchased from by phone or in store
  • Is the site secure? Look for an HTTPS within the address bar or a padlock icon. This indicates that the merchant's site offers an encrypted line of communication to protect your details during the transaction
  • Lock online international payments in the CommBank app or on NetBank when you’re not shopping on international websites. This prevents anyone from using your credit card to make purchases on international websites. When you find that thing you have to have, just unlock it again.# Find out more.
  • Call the merchant to verify authenticity and check delivery and return policies
  • Keep receipts in case you need to return or exchange an item. This should include the merchant’s internet address and order information
  • Keep your details up to date. To help us contact you in the event of suspicious activity on your credit card, ensure your details are kept up-to-date. Update your details in NetBank, at a branch, or by calling 13 2221 at any time
  • If you find an unauthorised transaction on your card, call us immediately on 13 2221

Further reading

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Things you should know

* If you activate an international travel insurance policy included with an eligible credit card, purchase a CBA Travel Insurance Policy or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia. 

If you activate an international travel insurance policy included with an eligible credit card, purchase a CBA Travel Insurance Policy or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia. 

You need to activate your international travel insurance included with eligible credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. 

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over (for international travel insurance policy included with an eligible credit card) or persons aged 74 years or over (for CBA Travel Insurance)), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

Before making a decision on CBA Travel Insurance, refer to the relevant CBA Travel Insurance Product Disclosure Statement for full conditions here (if you intend to purchase before 1 October 2018) and here (if you intend to purchase on or after 1 October 2018). We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a policy, we (CBA) receive a commission which is a percentage of your premium.

1For return trips from Australia up to a set period per trip.