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Commonwealth Bank Awards

Commonwealth Bank Awards (page 2 of 3)

3.5 from 86 reviews · View Statistics
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Pros

Entry-level credit limit of $500 minimum
Low $59 Annual Fee

Cons

High Balance Transfer Rate (5.99%)
Awards points earn rate capped at 50,000 per annum

Reviews

  • Transparency
    3.5 (31)
  • Customer Service
    3.7 (30)
  • Rates and Fees
    3.1 (31)
  • Rewards
    3.3 (23)
  • Online Experience
    4.1 (30)
  • Application Process
    3.9 (25)
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Reviewer Photos & Videos

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Barb
BarbMetropolitan Adelaide, SA
  • 16 reviews
  • 13 likes

Can't fault

published

Have been very pleased with this card have had no trouble overseas the card has always worked with no hiccups my husband and I would recommend this card. We have never had any trouble wherever we have used it Thankyou

Transparency
4/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

Bob
BobHunter Region, NSW
  • 12 reviews

Have been with bank for years

published

Don’t use much mainly for online purchases and hotel bookings .Doesnt earn any points but have all my a/cs with this bank so find it easier to have it there

Transparency
4/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

Fani
FaniFawkner
  • 6 reviews
  • 2 likes
  • Verified

Low rate Excellent reliability

published

Quite happy with this card as it has very good reward program. I used in Europe and Asian trips and some of purchasing done on that never had any issue. Highly recommend based on my 10 year with this card.

Transparency
5/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

DAP
DAPGreater Melbourne (Outer), VIC
  • 11 reviews
  • 3 likes
  • Verified

No much issues...

published

I am a credit card customer that pays the card every month on time so haven't had to interact with CBA much about the credit card. I like it because:
* Paying the credit card is automatic
* Resolution process is fast
* Netbank is a great as a tool as well as CommbankApp. I can track where my money is going and detect opportunities to save. Also, very simple to change limits and international usage using the app or online.
* I don't pay a cent to renew it as I have a mortgage with them.
* Just by using it I get $600 / year in rewards (spend around $7k per month)

Transparency
4/5
Customer Service
4/5
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Angela
AngelaSouth East Queensland, QLD
  • 7 reviews
  • 4 likes

Not a credit card person

published
Transparency
5/5
Customer Service
5/5
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Melissa5555
Melissa5555Sydney, NSW
  • 8 reviews

A go to Card when have a few bills to pay

published

Great credit card which has an annual fee of $59.00 but a low rate credit card. Convenience to temporary lock the card of you have lost it and in the process of searching for it.

Transparency
5/5
Customer Service
5/5
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The reviewer stated that an incentive was offered for this review

graham h
graham hGreater Melbourne (Inner), VIC
  • 10 reviews
  • 3 likes

Fantastic

published

Fantastic card to use took it over seas could use it at any atm great rewards and really Easy to accumulate points also very easy to transfer balances from one account to the other very happy with this card would recommend it to anyone cheers

Transparency
4/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

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Carol Qld.
Carol Qld.South East Queensland, QLD
  • 3 reviews
  • 1 like

Use this Card for Every purchase i can

published

Perfect for my needs. I use it for EVER purchase & pay it each month so incur no interest. I use awards with Flight Centre so works well. I also use free travel insurance. Have never had to claim but have known others who have and have no problems with claim.

Transparency
4/5
Customer Service
4/5
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The reviewer stated that an incentive was offered for this review

Seamus
SeamusIllawarra, NSW
  • 46 reviews
  • 71 likes

expensive to operate

published

Hi,

What can I say, double the interest rates of my Westpac card, gives rewards so that is good, but definitely the bottom of the pack when you consider other offerings. Looking towards getting rid of it when I change my home loan over (in progress). If you can't pay it off in full when it becomes due please think again and look at what else might be available to you.

Positives works every time even OS

Transparency
2/5
Customer Service
3/5
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The reviewer stated that an incentive was offered for this review

Balance Transfer Credit Cards

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USELESS CBA credit card Purchase Security Insurance!

published
Transparency
1/5
Customer Service
2/5
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Commonwealth Awards - Village gift cards

published

Just purchased a book of 6 village gift cards for my son for Christmas and they only last 6 months. Just crap, I would have thought to have an expiration date of at the very least 1 years worth. When I called them about it, they just didn’t care, nothing they could do about it.

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Hotline 132221 - impossible to get through

published

On all occasions, been on hold for 20 minutes or more. Hang up in vain! and to top it off, online inquiry send me off to their phone hotline.

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Balance Transfer Credit Cards

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sam
sambrisbane
  • 8 reviews
  • 7 likes

worst customer service

published

please be carful with commbank credit cards showed me different due date and minumum payment amount and the charged me 3 late payment fee.Rang to customer care to get refund and said they can only do one refund because of system .

There system is ripping you off.please be careful.

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urqle
urqle
  • 5 reviews
  • 2 likes
  • Verified

Terrible customer service

published

Redeemed a Coles and a Myer voucher for $250 each back in September. Received 2 cards with $0 on them. After calling their Awards Customer Service department, I was told that I would receive replacement cards quite quickly. Weeks and then months went by, and each time I called or emailed to chase up the status of the cards I was told they were coming and would be there by tomorrow.

After spending almost 3 months, 5 phone calls and 8 emails to their customer service department, I finally got my points returned.

Don't bother becoming an Awards member at the Commonwealth Bank, you are just a number to them and won't feel like the valued customer they want to portray.

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CBA Matercard Diamond Awards fails basic levels of customer service and communication

published
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Tony
TonyLaunceston, TAS
  • 23 reviews
  • 63 likes

Great for earning back some cash from your spending but there is a limit.....

published

If you spend less than 25 grand a year on this card, it would be excellent, however, should you have larger spendings, say paying off something or buying something, then, upgrade to the gold or platinum card asap as this particular card will only give you 50000 points, ie. 25 grand spendings.

Tony
Tony
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Most ridiculous credit card I had to deal with

published

Have applied for a reward card and an additional card as well (held an everyday account with commbank for 20 years), was told to go to the branch for identification, took 4 weeks to receive cards, then for an additional card pin they sent me back to the branch for identification (again) and pin set up. When contacted Commbank on the phone they said there is no master card account under my name. Cancelling account without even using it, can only imagine the hassle with the rewards and other.
Citibank, ANZ banks send cards in the mail within 7 days following by pin, don't know why Commbank makes it so difficult.

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Bilbo
Bilbo
  • 3 reviews
  • 4 likes

Rewards Program Downgrade

published

Once again CommBank is changing its rewards program to the detriment of its customers. The conversion rate for Qantas points is getting to the point it is not worth having.The Woolworths experience has taught them nothing.

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Im cold
Im cold
  • 8 reviews
  • 2 likes

They changed the rules - It must have been in the fine print!

published

They changed the rules and now I can't transfer my points balance to qantas, only new points.
The program and the bank are very disappointing.
The person I spoke to said I can use Flight Centre but I do not want to use Flight Centre, dealing with Qantas is much easier and less costly.
I have transferred points before and had no idea that the rules had changed.
It must have been in the fine print!
I will be transferring my credit cards and bank accounts to a bank that makes changes very clear to customers.
I have had accounts with the CBA for 45 years. This week that will cease.

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tweettee
tweettee
  • 116 reviews
  • 16 likes

Good

published

After taking the annual fee into consideration, this card delivers the best rewards program of nearly all credit cards as far as a return goes (my husband crunched all the numbers!)
Decent interest rate if you don't pay it off on time. Probably the best thing about the card is the rewards program. There is a number of really great awards and they accrue quite quickly. We use the card for everything and pay it off monthly so the rewards are completely free.
I wish you could get rewards for Coles Myer and not just David Jones. Card has an annual fee but most credit cards do these days.

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willma
willma
  • 5 reviews
  • 1 like

Good

published

It is a good card with some good features. It will be even better if it has lower annual fee and interest rate.
Great awards system
Amex card makes topping up points easier
Interest free days
High interest rate
High annual fee &89 for non-qualified customer

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chubbe1994
chubbe1994Sydney Surrounds, NSW
  • 18 reviews
  • 3 likes

OK

published

A good credit card which can be easily paid off with a phone transfer from a CBA savings account. A good rewards program , earning rewards for spending that you would do anyway.
The best thing about the Commonwealth Bank credit card is its awards program . Unlike Fly Buys , you do not have to clock up tens of thousands of points to gain a benefit. Non shoppalics like myself , can quite easily earn enough points to earn rewards such as movie tickets , shop gift cards, fee reversals or just cash back on the card.
Couldn't loyal CBA customers be rewarded with NO annual fee?

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Josie_9
Josie_9New South Wales
  • 46 reviews
  • 10 likes

Good

published

Overall, the card has give me much pleasure and convenience. I haven't had a chance to use the PayPass™ feature that my MasterCard comes with, but the basic features of a credit card are all you really need or even expect.

The card itself is sturdy. The magnetic strip is also scratch-proof, though in some grocery stores the card readers seem to have problem with this new design, but not older cards. No fees for students an added bonus.
Good rewards system, redeem points quickly through everyday shopping and use
takes a while to increase limits (no access online), to add additional card holders

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Roronoa
RoronoaVictoria, 3106
  • 38 reviews
  • 4 likes

Good

published
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onyak23
onyak23
  • 6 reviews

Good

published

Its handy card to have specially for reward purpose. I really like more when they still linking with Ezy Woolworth. Because i got the woolies voucher automaticly when i have enough reward and the reward seem to accumulate faster because they have extra reward/bonus point for shopping at the Woolies group shop.
Now days we seem to accumulate the point bit slow to get.
Its great card to use anywhere, the reward system have plenty of choice to choose. Its reputable company. the card appearance quite simple
The $49 fee and i can not access my saving account with the card for withdrawing matter since they cancel the Ezy banking link.

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