I've always banked with Commonwealth bank since primary school and they have always been safe and secure to bank with and offer competitive rates.
The credit card attracts decent points which can be drawn back as $$ off your account, gift cards and many other excellent options. I end up with three times the $ value in rewards than it costs for the annual fee.
Bad customer service. I wanted to change my credit limit recently as I incorrectly increased it but their policy states you can only increase your limit every 180 days so I have to wait another 180 days to change the limit. If you want to raise a complaint you have to physically post a letter and then the team leader of the customer service department wanted to argue with me that it takes the same amount of time as sending an e-mail.
All their online apps etc never work properly, well behind the times and you don’t see transactions until days after. The app always cuts out and goes blank.
The card allows you to build up more Qantas points than any other card. Which is great for family holidays. The one things we have struggled with regarding the online service is that both card holders can't view all transactions made on the account. Only the "Primary" card holder can view all transactions on the online account and other account holders can then only view their account transactions not all transactions, which is very useful.
Been a customer for around 5 years with no major dramas but a few little headaches. The apps are great but value for money and fees could be better.
I think the interest rate could be better, but the service is excellent especially through Covid when I was stood down from my job.
This bank has an amazing team that are so committed to helping you achieve your saving and spending goals. They send regular check up emails and always get back to you ASAP when asking a question.
They are easy to communicate with and available 24/7. The interest rate is quite high at the moment compared to others and they will charge late fees.
CBA is a proven success in Australian culture. Every child remembers their Dollarmites accounts and every parent remembers seeing how proud they were watching their pocket money grow.
Worse card on earth! Do not get this card. They charged me a $99 annual fee that became $173 within 3 months as they put late charge and interest charge on the annual fee! Customers beware!
Good Points accrual for Qantas, good security and interest rates. Overall good option for a card if you want to accrue points while doing regular purchases.
Always easy to deal with.
App to view/access/secure account is 10/10. Fees are low. Bank reminds when payments are due.
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