Commonwealth Bank of Australia
Online Access
Forgotten your
password?

Products

Credit Card Comparison Table

Back to Products

Features and benefits of the major CommBank 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 $59 $119
$249
$349 $29/$0 (1) $89/0 (2) $59
$89
$100 $150 $300
Interest Rate on purchases 20.24% 20.24%  20.24% 20.24% 19.74% 19.74% 13.49%
13.49% 20.74% 20.74% 20.74%
Interest Rate on cash advances 21.24% 21.24% 21.24% 21.24% 21.24% 21.24% 21.24% 21.24% 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, $10 p.a. Yes, $10 p.a. Yes, $10 p.a. Yes, $10 p.a. Yes, free Yes, free Yes, free Yes, free Yes, $75 p.a. Yes, $75 p.a. Yes, $75 p.a.
Commonwealth Awards
points earned (3)
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® :
2.5 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 (4) 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 (5) 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 (6)  No Yes  Yes  Yes No Yes No  Yes  No Yes  Yes 
Shopping Insurances (6)    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
CreditCard Plus Protection (7)  Optional Optional Optional Optional Optional Optional Optional Optional Optional Optional Optional
                       
Other Benefits                      
MasterCard Priceless Sydney® Yes Yes Yes Yes Yes Yes Yes Yes Yes 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® Privileged Access Program No No No Yes No No No No No No No

 

Legend

1. The annual fee on the Low Fee Card is waived in the first year, and in each subsequent year if you have spent (purchases and cash advances only) at least $1,000 in the previous year.

2. The annual fee on the Low Fee Gold Card is waived in the first year, and in each subsequent year if you have spent (purchases and cash advances only) at least $10,000 in the previous year.

3. 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. *Effective 1 October 2013 for Platinum Awards American Express cardholders. Prior to this date, earn rate is 3 points per $1 spent.

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

  • Awards customers - 50,000
  • Gold Awards customers - 100,000
  • Platinum Awards customers - 200,000
  • Diamond Awards customers - 1,000,000
  • Business Awards customers - 60,000
  • Business Gold Awards customers - 150,000
  • Business Platinum Awards customers - 300,000

5. Conditions apply. See application for full details

6. Eligibility criteria, limits and excesses may apply. Refer to Credit Card Insurances Product Disclosure Statement and Information Booklet for more information on eligibility criteria, limits and excesses.

7. 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).