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Credit Card Comparison Table

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Features and benefits of the major Commonwealth Bank Credit Cards are outlined in the table below:

 

Feature Awards  Low Fee Low Rate Business
  Awards Gold Awards Platinum Awards Diamond Awards Low Fee Low Fee Gold
 		  Low Rate Low Rate Gold
 		 Business Awards Business Gold Awards Business Platinum Awards 
Annual Fee $89/$59 (1)  $144/$114 (1)  $280/$250 (1)  $425/$395 (1) $24/$0 (2) $90/$0 (3) $78/$48 (1)  $120/$90 (1)  $100 $150 $300
Interest Rate on purchases 20.74% 20.74%  20.74% 20.74% 20.24% 20.24% 13.49% 13.49%  20.74% 20.74% 20.74%
Interest Rate on cash advances 21.74% 21.74% 21.74% 21.74% 21.74% 21.74% 21.74%  21.74% 21.74% 21.74%  21.74%
Interest Free Days on Purchases Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55 Up to 55
Additional Cardholder Yes, for $15 p.a. Yes, for $15 p.a. Yes, for $15 p.a. Yes, for $15p.a Yes, free Yes, free Yes, free Yes, free Yes, for $75 p.a. Yes, for $75 p.a. Yes, for $75 p.a.
Commonwealth Awards
points earned (4)		 American Express® :
1.5 points per $1
MasterCard® Card:
1 point per $1  
 		 American Express® :
2 points per $1
MasterCard® Card:
1 point per $1  
 		 American Express® :
3 points per $1
MasterCard® Card:
1 point per $1  
 		 American Express® :
3 points per $1
MasterCard® Card:
1 point per $1		 n/a n/a n/a n/a American Express® :
1.5 points per $1
MasterCard® Card:
1 point per $1		 American Express® :
2 points per $1
MasterCard® Card:
1 point per $1		 American Express® :
3 points per $1
MasterCard® Card:
1 point per $1
Points Cap (5) Up to 50,000 (plus unlimited Bonus points) Up to 125,000 (plus unlimited Bonus points) Up to 250,000 (plus unlimited Bonus points) Up to 1,000,000 (plus unlimited Bonus points) n/a n/a n/a n/a Up to 60,000 (plus unlimited Bonus points) Up to 150,000 (plus unlimited Bonus points) Up to 300,000 (plus unlimited Bonus points)
Balance Transfer Option (6) 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99%p.a. for 5 months 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months		 5.99% p.a.
for 5 months
                       
Additional Features                      
International Travel Insurances (7)  No Yes  Yes  Yes No Yes No  Yes  No Yes  Yes 
Shopping Insurances (7)    No  Yes  Yes  Yes No Yes No  Yes  No Yes Yes 
Your Concierge Service No No Yes Yes No No No No No No Yes
Premium Privileges No No Yes Yes No No No No No No Yes
CreditCard Plus Protection (8)  Optional Optional Optional Optional Optional Optional Optional Optional Optional Optional Optional
                       
Other Benefits                      
MasterCard® applause™ Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
MasterCard® Moments™ No Yes Yes Yes No Yes No Yes No Yes Yes
MasterCard® PayPass™ Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
American Express Selects Yes Yes Yes Yes No No No No Yes Yes Yes
globaleshop by American Express Yes Yes Yes Yes No No No No Yes Yes Yes
Card Security Features Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
World MasterCard® Priveliged Access Program No No No Yes No No No No No No No

 

Legend

1. The lower annual fee will be charged if you hold an eligible Commonwealth Bank account or loan at point of application. Otherwise the higher fee will be charged. See the Standard Fees and Charges booklet (ADB1682) for a list of eligible accounts and loans. This is available from branches or from commbank.com.au/preferentialpricing.

2. The annual fee on the Low Fee Card is waived in the first year if you hold an eligible Commonwealth Bank account or loan at point of application, and in each subsequent year if you have spent (purchases and cash advances only) at least $1,000 in the previous year. See the Standard Fees and Charges booklet (ADB1682) for a list of eligible accounts and loans. This is available from branches or from commbank.com.au/preferentialpricing.

3. The annual fee on the Low Fee Gold Card is waived in the first year if you hold an eligible Commonwealth Bank account or loan at point of application, and in each subsequent year if you have spent (purchases and cash advances only) at least $10,000 in the previous year. See the Standard Fees and Charges booklet (ADB1682) for a list of eligible accounts and loans. This is available from branches or from commbank.com.au/preferentialpricing.

4. Commonwealth Awards points are earned on eligible transactions (most purchases, but not cash advances or balance transfers) and are subject to points capping - for details please refer to the Commonwealth Awards Program Terms and Conditions.

5. Qantas Frequent Flyer Direct customers will be able to earn a maximum number of Qantas Frequent Flyer points as follows;

  • Awards customers - 25,000
  • Gold Awards customers - 50,000
  • Platinum Awards customers - 100,000
  • Diamond Awards customers - 500,000
  • Business Awards customers - 30,000
  • Business Gold Awards customers - 75,000
  • Business Platinum Awards customers - 150,000

6. Conditions apply. See application for full details

7. Conditions apply. Refer to your Credit Card Complimentary Insurance and Guaranteed Pricing Cover brochure.

8. CreditCard Plus is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA), a wholly owned but non guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. You can obtain a Product Disclosure Statement (PDS) by calling 13 2015 between 8 am and 8 pm (Sydney time), Monday to Friday, or from any Commonwealth Bank branch. You should consider the CreditCard Plus PDS before reaching a decision about the product.

 

Important Note: Customers request for information on Credit Card Complimentary Insurance cover should be answered by directing them to Zurich Assist on 1800 285 189 (8am to 5pm, Sydney Time).