Using Commonwealth Bank Credit Cards Overseas

Rates and Fees verified correct on December 19th, 2014

Taking credit cards overseas assures you of ready funding whenever you need it, whether that’s for meals, merchandise, accommodation, cash withdrawals or anything else.

Commonwealth Bank credit cards from MasterCard, Visa, or American Express will all be welcomed around the world, but you should remember that American Express enjoys less widespread acceptance than the other two.

Rates last updated December 19th, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Commonwealth Bank Awards Credit Card
Commonwealth Bank Awards Credit Card
A low interest rate with online security guarantee. Frequent Flyer Awards system, including Bonus Partner Reward Offers. 20.24% p.a. 5.99% p.a. for 5 months $89 p.a. 21.24% p.a. Go to site More info
Commonwealth Bank Gold Awards Credit Card
Commonwealth Bank Gold Awards Credit Card
A low interest rate on purchases. Complimentary comprehensive travel insurance, 90 day purchase security cover and extended warranty on purchases. 20.24% p.a. 5.99% p.a. for 5 months $144 p.a. 21.24% p.a. Go to site More info
Commonwealth Bank Platinum Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card
A low interest rate with an international travel Insurance and extended Insurance/Purchase/Security benefits. 20.24% p.a. 5.99% p.a. for 5 months $280 p.a. 21.24% p.a. Go to site More info

MasterCard, Visa, and American Express

If you take a Commonwealth Bank MasterCard overseas, you can withdraw cash and obtain balances from any ATM or merchant location displaying the logo that matches the one on your card

Credit cards and linked accounts

If your credit card is linked to your main savings or cheque accounts, you can access these with your Commonwealth Bank MasterCard or Visa card through any overseas ATM that displays the MasterCard, Cirrus or Maestro logos. However, this does not apply in Europe, where you can only use your credit card to access your credit card accounts. Whatever selection you make on-screen at an ATM or merchant terminal – savings, cheque, or credit account – your withdrawal will be treated as a cash advance.

General advice about credit cards overseas:

Keep a record of your card details

Make a note of your credit card numbers, including emergency contact numbers in case you quickly need to contact Commonwealth Bank should your credit card be lost or stolen. Visa, MasterCard and American Express all offer a zero-liability guarantee, but you should still inform the bank the moment a credit card overseas goes missing.

Tell Commonwealth of your travel plans

Commonwealth Bank should know that you are venturing abroad, and for how long. If not, you may find that their automated fraud-prevention systems stop your purchases because they will be deemed out of the ordinary due to their unexpected location. Make sure Commonwealth also knows when you will be back home, so that any purchases continuing abroad beyond that date are rejected – in case your details have been skimmed.

Watch out for foreign charges

Be careful of Dynamic Currency Conversion (DCC) when using your credit card overseas, which is where you are charged in Australian dollars rather than the local currency. Which currency you are charged in is 100% your choice by law. Transactions made in Australian dollars will attract a DCC fee of 4% or upwards from the foreign retailer or bank, whereas those charged in local currency are handled by Commonwealth at a lesser percentage rate.

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This page was last modified on 26 March 2014 at 16:14.

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6 Responses to Using Commonwealth Bank Credit Cards Overseas

  1. Default Gravatar
    marcus | August 30, 2014

    Hi im currently in hk. My pin is not working on my commonwealth debit card in a hsbc atm. Do i have to add a 00 to my pin and at the front or the back?
    cheers Marcus

    • Staff
      Shirley | September 1, 2014

      Hi Marcus,

      Thanks for your question.

      I’ve copied the following from the Commbank website. Please check the following:

      “-You are using the correct PIN. If you purchased your card in branch you would have received a 4-digit PIN below each card in the Travel Money pack. If you purchased your card via NetBank, you will need to active and set up a PIN for each card. Please check you are using the correct PIN with the correct card.
      -The number you input is your 4-digit PIN. Please ensure you aren’t using your 6-digit Registration Code which you chose when you purchased your Travel Money Card. This code is to log on to Travel Money Online and Customer Service Centre.
      -Your card has been activated. If you purchased your card in branch your card will be automatically activated generally within 3 hours. If you purchased your card via NetBank or it is a replacement card you will need to activate and set up a 4-digit PIN for each card.
      -You are using a MasterCard ATM. If it is not a MasterCard ATM the card will not work. Please check that the MasterCard logo is visible, and try another ATM. Go to the MasterCard website to find ATMs worldwide.
      You are not trying to withdraw more than your available balance, or exceeding the ATM withdrawal limit as set by the local ATM provider.”

      If you have checked all of the above and the problem still persists, please get in touch with Commbank.

      Cheers,
      Shirley

  2. Default Gravatar
    Chriss | August 26, 2013

    I’m going to Vietnam and have a Commonwealth Bank MasterCard Debit Card, can it be used over there to get cash?

    • Staff
      Jacob | August 26, 2013

      Hi Chriss.

      Thanks for your question.

      You can use your card in ATMs and at merchants where MasterCard is accepted. You can check ATM locations through the website.

      You’re going to incur a cross currency conversion fee and ATM fees when you use your card this way. You may want to consider a travel focused credit card or travel money card. You can compare these types of cards on this page.

      I hope this helps.

  3. Default Gravatar
    Prerna | May 31, 2012

    What are the terms and conditions in which we can use CBA credit card overseas?????
    Thank You

    • Staff
      Jacob | March 28, 2013

      Hi Prerna. Thanks for your question. There are a couple of things to cover here. Here’s information on foreign currency conversion fees (fee for processing a transaction in a currency other than Australian dollars) and the complimentary international travel insurance terms and conditions have been sent to your email. Sorry about the delay in my response. Jacob.

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