Commonwealth Bank Prepaid Mastercard Gift Card

The CommBank Mastercard Gift Card was a prepaid card that allowed you to make purchases with retailers all around the world.

No longer offered in the market

This prepaid gift card is no longer available to be purchased with cash or credit. As of 20 March 2013, CommBank Mastercard Gift Cards can only be obtained by redeeming Awards points through the Commonwealth Awards program.

You may wish to compare other prepaid cards here.

The Commonwealth Bank Mastercard Gift Card was a prepaid debit card that could be loaded with funds and used for purchases in-store, online or over-the-phone, wherever Mastercard prepaid debit was accepted (both in Australia and overseas).

What is the CommBank Mastercard Gift Card?

The CommBank Mastercard Gift Card is a prepaid card that allows you to make purchases in stores, online or anywhere else where Mastercard prepaid debit cards are accepted. It was available to purchase up until 20 March 2013. After that, it could be redeemed for Awards points through the CommBank Awards program.

Features of the CommBank Mastercard Gift Card

The CommBank Mastercard Gift Card included the following features:

  • Single-load. This card was limited to the value loaded on to it at the time of purchase. It was not reloadable.
  • Personal Access Code. This prepaid card came with a Personal Access Code (PAC) for activation and verification of your account.
  • Expiry date. All CommBank Mastercard Gift Cards were valid for a period of 12 months from the date of redemption.
  • Online balance service. This card allowed you to check your balance online so that you could see how much money was left on the account.
  • Security. This card came with CommBank and Mastercard prepaid debit card security features, including chip-and-PIN technology.
  • PayPass. Depending on when the gift card was issued, it may have allowed you to make "tap and go" payments using the Mastercard PayPass network.

Alternatives to the Commonwealth Bank Mastercard Gift Card

If you're interested in getting a prepaid card that's similar to the CommBank Mastercard Gift Card, there's a few options you can consider.

  • Rewards program gift cards. Most credit card rewards programs, including CommBank Awards, offer a wide range of branded gift cards that you can redeem when you have earned enough points. Popular options include Myer gift cards, David Jones gift cards, Westfield gift cards and iTunes gift cards. Just browse your rewards program catalogue and check the amount of points required to decide if this option will work for you.
  • Supermarket gift cards. Both Coles and Woolworths offer a range of gift cards that can be used in different stores around Australia, with some options that you can also use online.
  • Travel money cards. These cards usually allow you to load and spend money in multiple currencies. Most of them are Mastercard or Visa options, and can also be used for purchases in Australia. Some even earn rewards, such as the Qantas Cash card and the Velocity Global Wallet, which allows you to earn Velocity Points per $1 you spend in Australia and overseas.
  • Other prepaid debit cards. A number providers offer prepaid Mastercard or Visa products that can be used in Australia, overseas and online.

While the Commonwealth Bank Prepaid Mastercard Gift Card is no longer available for purchase with cash or credit, there is a range of other prepaid cards that you can choose from. By considering these options, you should be able to find an option that suits your needs.

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14 Responses

  1. Default Gravatar
    DorothySeptember 8, 2017

    I have some commonwealth rewards prepaid gift cards to use. I recall they can’t be used at Woolworths anymore. What other restrictions do they have? Can I use to pay bills at a post office?

    • Default Gravatar
      GruSeptember 9, 2017

      Hello Dorothy,

      All CommBank Mastercard Gift Cards were valid for a period of 12 months from the date of redemption.

      Have you redeemed it already?

      You can actually use them to make purchases in stores, online or anywhere else where Mastercard prepaid debit cards are accepted unless a store restricted it’s use.

      If your gift cards are still valid, it would be best to contact the companies or merchants you intend to use them in to ensure that this is possible for you.


  2. Default Gravatar
    HansSeptember 4, 2014

    How can I use my Commonwealth Bank Gift Card now that signatures cannot be used. It was purchased last year in November so is still current.

    • Avatarfinder Customer Care
      ShirleySeptember 5, 2014Staff

      Hi Hans,

      Thanks for your question.

      There are still some transactions where a PIN is not mandated.

      This includes manual or magstripe transactions such as prepaid cards and gift cards.

      Your prepaid card should still work, if it doesn’t, please get in touch with Commonwealth Bank.

      All the best,

  3. Default Gravatar
    StaceyFebruary 20, 2014

    I tried to use my card today in a Coles store. the Cashier pressed credit and a message came up for me to refer to the provider. How do I use the card?

    • Avatarfinder Customer Care
      JacobFebruary 21, 2014Staff

      Hi, Stacey.

      Thanks for your question.

      Please refer this question to the Commonwealth Bank customer service team. It may be that Coles do not accept these types of gift cards, or there could be a problem with the card itself.

      I hope this helps.

  4. Default Gravatar
    LucyDecember 19, 2013

    I have been given a Commonwealth prepaid mastercard as a gift – do I need to activate the card or is it ready to use??

    • Avatarfinder Customer Care
      JacobDecember 19, 2013Staff

      Hey Lucy.

      Thanks for getting in touch with us.

      You can activate your card by visiting the Commbank Prepaid MasterCard website or you can call 1800 214 212 – you can call this number 24 hours a day seven days a week.

      To activate your card, you’ll need:

      The card number, the card security code (the three digits on the back of the card next to where you sign) and the personal access code (this is a four digit code which is selected at the time of purchase – you should have been given this code with the card).

      I hope this helps.

  5. Default Gravatar
    BarbaraAugust 30, 2013

    For personal reasons I shop online quite a bit. I am happy to use my Credit Card with some places but there are other places I don’t feel secure using this. Would a prepaid credit card be more suitable for me.

    • Default Gravatar
      BarbaraAugust 30, 2013

      what do you mean by “awaiting moderation”?

    • Avatarfinder Customer Care
      JacobAugust 30, 2013Staff

      Hi Barbara.

      We moderate every comment/question that comes in to make sure people are not posting offensive or sensitive information.


    • Avatarfinder Customer Care
      JacobAugust 30, 2013Staff

      Hi Barbara.

      Thanks for getting in touch with us!

      If you’re worried about using your credit card online, a prepaid card may be the way to go. These cards work by loading funds onto the card, so in the event you’re defrauded, the thieves can only get the amount you’ve loaded onto the card.

      It’s important to note that card issuers have systems in place to protect customers from fraud. The card schemes (Visa, MasterCard and American Express) have zero liability policies that guarantee you will be held responsible for any fraudulent charges provided responsible care is taken. In addition to this, the banks and lenders also have their own systems in place to stop fraud before the fact and to reimburse cardholders after the fact. In short, if you can prove that there was an unauthorised card use, and you have taken steps to ensure that you’ve kept your card information private, you won’t be held responsible for fraudulent charges on your card.

      Have a look at our guide on credit card fraud, tricks and scams for further information on this topic.

      I hope this helps.


  6. Default Gravatar
    SueMay 20, 2013

    How could I find how the balance of my CAN prepaid MasterCard?

    • Avatarfinder Customer Care
      JacobMay 20, 2013Staff

      Hi Sue. Thanks for the question. Head to the Commbank website to check the balance of your prepaid MasterCard Gift Card, please log in online using your card number, personal access code and card security code. Jacob.

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