Snapshot: Popular gold credit card features
Every gold card has different benefits, but some of the key ones people look for include:
- Higher maximum credit limits
- More rewards points per $1
- Higher rewards points caps
- Complimentary international travel insurance
- Purchase security cover
- Extended warranty insurance
- Other travel benefits such as airport lounge access
I have a Gold Commonwealth Bank MasterCard, I have used the travel insurance very often I am 80 years old now. How can I find out if there are extra charges when I travel again?
Hi Harry,
Thanks for your inquiry.
Unfortunately, the complimentary international travel insurance is only applicable to cardholders aged up to 79 years old. Since you’re now 80 years of age, you may need to apply for an upgraded policy but still needs the approval of Allianz Global Assistance (AGA), which is the insurer of CBA credit cards.
As per CBA’s terms and conditions, purchasing an Upgrade Policy lets them receive a commission which is a percentage of your premium. You may need to contact CBA at 13 3982 or AGA directly at 1800 837 177 to confirm the costs and processes of purchasing an upgraded policy.
For more information, you may read thorough our complete guide for Commonwealth Bank’s complimentary travel insurance for credit cardholders.
I hope this helps.
Cheers,
Debbie
I am intending to travel to England and then onto usa new york and across to la. Where can I find out where to obtain information on travel insurance?
Hi Jan,
Thanks for your question.
You may obtain more information on our guide to credit cards with complimentary travel insurance or get a quote on our travel insurance page.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this has been helpful.
Thanks,
Jonathan
Please advise if Gold Visa transaction fees incl GST?
Thanks
Hi Catie, thanks for your inquiry!
GST is a value added tax on most goods and services within Australia. As a result transaction fees with credit cards generally do not include GST charges.
Cheers,
Jonathan
My husband and I are taking a couple of short cruises along the coast of Australia and to Vanuatu. My husband has just turned 80. Can we pay an excess to cover him or must we insure him separately?
Hi Maureen, thanks for your inquiry!
To allow me to assist you further could you please clarify which Gold credit card you are using?
Cheers,
Jonathan
Hi John,
Re my question about insurance for husband who is 80.
My card is a Commonwealth Bank Paypass Gold Mastercard.
Hope this helps.
Regards,
Maureen
Hi Maureen,
Thanks for your inquiry.
Commonwealth’s complimentary travel insurance policy is only eligible for individuals 79 years or younger. For more information on travel insurance and comparison of insurance brands, please see our Travel Insurance homepage. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Cheers,
Jonathan
We have booked a cruise on Cruise ship Pacific Dawn booking number W503. This was paid for in full using out Gold Credit Card the total being $2598.00. Unfortunately my Vera is sick and been to see the doctor this morning and has a letter stating the situation. How do I make a claim against the ticket price having used the Gold Credit Card.
Yours in anticipation
Joe
Hi Joseph,
Thanks for your question.
Would you mind telling me the name of the card you have? Then I’d be happy to tell you how to go about submitting a claim. Generally though, if you get in contact with your card issuer they should be able to tell you about the claims process.
I hope this has helped.
Thanks,
Elizabeth