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Travelling overseas with your Commonwealth Bank credit card

Information verified correct on December 9th, 2016

Discover your options for accessing cash conveniently and securely when overseas with a Commonwealth Bank credit card.

Are you going on an overseas holiday? Once you've ticked your flights and accommodation off the list, it's time to start considering your travel money options. Commonwealth Bank offers a number cards that offer you convenient and secure access to your cash overseas. Use our guide below to compare your options and organise your travel money today.

Compare Commonwealth Bank credit cards

Rates last updated December 9th, 2016
Points per $ spent Complimentary Travel Insurance Cover Annual fee Interest Free Period Minimum Income
Commonwealth Bank Business Interest-Free Days Credit Card
Take advantage of $0 annual fee for the first year and receive $250 cash back (spend $500 by 31 March 2017).
$0 p.a. annual fee for the first year ($60 p.a. thereafter) Up to 55 days on purchases More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
VISA/MC: 1 AMEX: 3 6 months $300 p.a. Up to 55 days on purchases More info
Commonwealth Bank Business Awards Credit Card
Receive an annual fee waiver in the first year and enjoy up to 1.5 Awards points for every dollar spent, plus up to 55 days interest-free on purchases.
VISA/MC: 1 AMEX: 1.5 0 months $100 p.a. Up to 55 days on purchases More info
Commonwealth Bank Business Gold Awards Credit Card
A business credit card with a range of complimentary insurances and up to 2 Awards points per $1 spent on purchases.
VISA/MC: 1 AMEX: 2 3 months $150 p.a. Up to 55 days on purchases More info
Commonwealth Bank Business Low Rate Credit Card
A business credit card featuring a low interest rate with $0 annual fee and higher credit limits. Subject to eligibility.
0 months $0 p.a. More info
Commonwealth Bank Corporate Low Rate Credit Card
Receive a competitive low interest rate on purchases, manage business expenses and minimise costs with customised card controls.
$40 p.a. Up to 55 days on purchases More info
Commonwealth Bank Corporate Charge Card
Corporate card designed for larger organisations. Take control of business, travel and procurement expenses with electronic reporting and management.
0 months $40 p.a. Up to 31 days on purchases More info
Rates last updated December 9th, 2016
$
Loan purpose
Offset account
Loan type
Your filter criteria do not match any product
Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
CUA Kick Start Variable Home Loan - 2 Years Introductory (Owner Occupier)
Borrow up to 90% LVR and enjoy an introductory rate for the first 2 years.
3.69% 3.87% $600 $0 p.a. 90% Go to site More info
CUA Fixed Rate Home Loan - 2 Year Fixed (Owner Occupier)
A fixed home loan with no ongoing fees and flexible repayments options.
3.69% 4.56% $600 $0 p.a. 95% Go to site More info
CUA Premium Fixed Rate Home Loan - 2 Year Fixed Rate (Owner Occupier)
Enjoy a 2 years fixed rate with $0 ongoing fees, free multi-account offset, flexible repayment options and easy access to your cash with a redraw facility.
3.91% 4.60% $600 $0 p.a. 95% Go to site More info
CUA Fixed Rate Home Loan - 1 Year Fixed (Owner Occupier)
Enjoy 1 year competitive fixed rate with $0 ongoing service fee.
3.69% 4.65% $600 $0 p.a. 95% Go to site More info
CUA Premium Fixed Rate Home Loan - 1 Year Fixed Rate (Owner Occupier)
Enjoy 1 year fixed rate and product features such as free offset and redraw facility.
3.91% 4.67% $600 $0 p.a. 95% Go to site More info
CUA Fresh Start Basic Variable Home Loan - Owner Occupier
A basic mortgage available only to customers who switch their everyday banking to CUA.
3.89% 3.94% $600 $0 p.a. 90% More info
CUA Fixed Rate Home Loan - 3 Year Fixed (Owner Occupier)
Lock in a rate for three years and enjoy the ability to make interest only payments.
3.89% 4.53% $600 $0 p.a. 95% More info
CUA Fresh Start Home Loan - Owner Occupiers
A discounted variable rate home loan with no ongoing fees and a 100% offset account.
4.11% 4.12% $600 $0 p.a. 80% More info
CUA Rate Breaker Package - Owner Occupier
A package home loan with a competitive rate, 100% offset account and redraw facility.
4.25% 4.60% $600 $350 p.a. 95% More info
CUA Fresh Start Access Variable Home Loan - Owner Occupier
A variable rate loan with high LVR and 100% multi-account offset.
4.16% 4.17% $600 $0 p.a. 95% More info
CUA Standard Variable Home Loan - Owner Occupier
A flexible home loan with a competitive interest rate.
4.69% 4.74% $600 $0 p.a. 95% More info
CUA Premium Fixed Rate Home Loan - 3 Year Fixed Rate (Owner Occupier)
A fixed rate home loan with an offset account available.
4.11% 4.59% $600 $0 p.a. 95% More info
CUA Equity Line of Credit Home Loan - Variable Rate
Unlock the equity in your home and finance your lifestyle.
5.56% $600 $0 p.a. 80% More info
CUA Basic Variable Home Loan - Owner Occupier
A basic home loan with product features such as no ongoing fees and flexible repayment options.
4.68% 4.73% $600 $0 p.a. 95% More info
CUA Premium Fixed Rate Home Loan - 5 Year Fixed Rate (Owner Occupier)
Plan ahead, be certain with your repayments by fixing them for 5 years.
4.50% 4.66% $600 $0 p.a. 95% More info
CUA Fixed Rate Home Loan - 5 Year Fixed (Owner Occupier)
Borrow up to 95% LVR with your rate fixed for 5 years and no ongoing servcie fee.
4.28% 4.57% $600 $0 p.a. 95% More info

Which card should you take when travelling overseas?

The right card to use on your next overseas trip will depend on your financial situation, travel plans and spending habits. Some of the factors you can consider when comparing cards to use on your international holiday include:

  • Acceptance. All Commonwealth Bank credit cards are Mastercard, Visa or American Express products, which can be accepted around the world. This means you will be able use a CommBank credit card in millions of locations, wherever Mastercard, Visa or Amex is accepted. Note that due to economic sanctions, you'll find that you can't use a Mastercard in Crimea, Cuba, Iran, North Korea, Sudan and Syria.
  • Included travel insurance. Commonwealth Bank Gold, Platinum and Diamond credit cards offer included travel insurance that can help you save money on travel costs. While you're not required to meet a spend requirement to access Commonwealth Bank's credit card travel insurance, you will need to activate the insurance via NetBank before your trip to enjoy full access to the cover.
  • Foreign transaction fees. If you're using your credit card overseas, currency conversion or foreign transaction fees are some costs you'll need to be aware of.
Converted byInternational transaction fee
Mastercard or Visa3.00%
American Express2.00% plus a 1.50% currency conversion factor, which is included in the converted transaction amount
Transactions overseas in Australian dollars3.00%

As well as foreign currency conversion fees, watch out for Dynamic Currency Conversion (DCC) fees when travelling overseas. The DCC applies when the retailer asks if you'd like to pay in your local currency, rather than the currency of where you're making the transaction. These transactions will attract a DCC fee of 4% or upwards from the foreign retailer or bank you're shopping with.

  • Travel card. If you want to avoid currency conversion fees, the Commonwealth Bank Travel Money Card is another option. Rather than accessing a line of credit, the Travel Money Card is a prepaid card that allows you to load and spend funds in up to 13 international currencies. This gives you a way to avoid foreign currency conversion fees. With no cost to load funds on the card, transfer between currencies or check your balance, this card could be a low-cost way to access your own funds overseas. Other fees may apply depending on how you use the card and where you travel, though, so it's important to review the full details of the card and compare it to other options before applying.

What you need to do before going overseas

Before you leave for your holiday, make sure you've covered all of these bases:

  • Activate your PIN. Many places require PIN verification rather than a signature, so you should make sure you have a PIN on your card or you may not be able to use it at certain locations overseas.
  • Tell CommBank you are travelling overseas. Before your travel overseas, let CommBank know your plans. This will help protect your account security while you're away.
  • Note your card details. Make a note of your credit card contact numbers, including emergency contact numbers in case you need to contact CommBank if your credit card is lost or stolen. Visa, Mastercard and American Express all offer a zero-liability guarantee against fraud, but you should still inform the bank the moment a credit card goes missing.
  • Activate your travel insurance. If your Commonwealth Bank credit card offers included travel insurance, make sure to activate your policy through NetBank before you leave.
  • Load funds on your card. If you're using the prepaid Travel Money Card, you can load the funds on your card before you leave for your holiday. This allows you to lock in a competitive exchange rate and could help you stick to your travel budget. If you use NetBank, funds should appear on your Travel Card immediately. If you use BPAY, it can take up to two business days for the money to appear in your account. Make sure to keep these details in mind to avoid finding yourself stranded without cash because you've left loading funds on your card to the last minute.

CommBank offers customers a number of cards that can be used to access their cash overseas. As it's not the only bank to offer overseas options, make sure to compare other credit cards you can use overseas before you apply and leave for your trip.

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22 Responses to Travelling overseas with your Commonwealth Bank credit card

  1. Default Gravatar
    Chez | November 8, 2016

    When in Bali are branches over there linked to cBA in australia

    • Staff
      May | November 8, 2016

      Hi Chez,

      Thank you for your inquiry.

      Yes, when you use your card in a CBA ATM in Bali, your ATM transaction will appear in your account records in Australia.

      Cheers,
      May

    • Default Gravatar
      Chez | November 8, 2016

      Someone mentioned there is an actual Commonwealth Bank branch not just ATM

    • Staff
      May | November 8, 2016

      Hi Chez,

      Thanks for getting back.

      Yes, you are correct and you check it here.

      Cheers,
      May

  2. Default Gravatar
    Cck | October 28, 2016

    Which banks in Brazil will accept my CBA ATM cards for withdrawals?
    Thanks.

    • Staff
      Jason | October 29, 2016

      Hi Cck.

      Thank you for your inquiry.

      You can use your Commonwealth Bank credit card at any ATM in Brazil that accepts Mastercard, Visa or AMEX. Please note that currency conversion or foreign transaction fees are some costs you’ll need to be aware of if you’re using your credit card overseas.

      Please feel free to use this guide to help you with your travel to Brazil.

      Cheers,
      Jason

  3. Default Gravatar
    GaryAz | November 9, 2015

    I use PureVPN apps for online banking purposes while I am traveling outside the country. Do you recommend anymore security steps the travelers should follow?

    • Staff
      Jonathan | November 10, 2015

      Hi Gary, thanks for your inquiry!

      For specific security steps with using applications overseas it would be best to contact Commonwealth Bank directly on 13 2221.

      Cheers,

      Jonathan

  4. Default Gravatar
    Khatchig | May 22, 2015

    My wife’s brother came from Australia to USA with a Commonwealth credit card and we went to rent a car. The card was rejected because his name was not imprinted on the card. He is with his family to stay in US for a month and is relying on his credit card. To my understanding the card has to include his name and imprinted with protruded letters so the machine can read it.
    Please help, what shall we do to help him.
    They will call the bank in Australia. Please advise how to solve the issue. He is staying for a month.
    Your kind care is highly appreciated.

    • Staff
      Jonathan | May 25, 2015

      Hi Khatchig, thanks for your inquiry!

      The primary cardholder will need to contact the bank to resolve this issue. The possibility of accessing the credit facility provided by the Commonwealth Bank will depend on whether the primary cardholder is in the USA with the other family members. It would be best for the primary cardholder to contact the bank directly to resolve this issue.

      Cheers,

      Jonathan

  5. Default Gravatar
    Paul | March 25, 2015

    I am in Germany and Spain for the next few months. As your page says, I cannot access my Australian account with my Visa card. Is it possible to get a card with which I can do this?

    • Staff
      Jonathan | March 26, 2015

      Hi Paul, thanks for your inquiry!

      Visa credit cards are actually accepted at any ATM or merchant displaying the Visa or Plus logo, providing access to your Australian account overseas.

      Cheers,

      Jonathan

  6. Default Gravatar
    aaron | March 17, 2015

    i am going to america and which ATM would work for my debit mastercard

    • Staff
      Jonathan | March 17, 2015

      Hi Aaron,

      Any ATM which displays the Mastercard logo is compatible. You can search for specific ATM’s in any country on the Mastercard website search tool.

      Cheers,

      Jonathan

  7. Default Gravatar
    christine | November 9, 2014

    Hi in India and having difficulty accessing money from our master card please help

    • Staff
      Elizabeth | November 10, 2014

      Hi Christine and Brian,

      Thanks for your question.

      You can call Commonwealth Bank directly for account-related issues on 000-800-610-3122. You can also get in contact with MasterCard emergency services for card-related issues on 000-800-100-1087.

      I hope this has helped.

      Thanks,

      Elizabeth

  8. Default Gravatar
    Meg | September 15, 2014

    I have a CommonwealthTravel Card and we are trying to log on to the site to check the details but have forgotten the password. The trouble is that the site says it has sent the new password to an email account that is asterisked out apart from the hotmail.com bit and no emails have arrived in the inbox of my hotmail account.

    Is there anything I can do to find out where these emails are going? very frustrating!!

    • Staff
      Shirley | September 16, 2014

      Hi Meg,

      Thanks for your question.

      Please get in touch with Commonwealth Bank Travel Money to see where the emails are going. I’ve emailed you their contact details.

      Cheers,
      Shirley

  9. Default Gravatar
    Garry | July 25, 2013

    Hello. I am in Europe. I have forgotten my pin for my credit card as we never use it in Australia. I need to have my pin number sent to my email address. Regards. Garry.

  10. Default Gravatar
    Aaron | February 15, 2013

    Hi, my name is Aaron, I am a 27 year old male from Australia. I came to Rio De Janeiro in Brazil a week ago. I have both a Commonwealth debit MasterCard and a Commonwealth credit card. I have been trying to book flights within South America over the last few days, and I am having a lot of trouble. When I book the flight online, I am told that the payment is being processed, but shortly after I am told that the transaction has been cancelled. I have tried the process multiple times with both cards, and I am assuming that is why the transaction cannot be completed. Please contact me as soon as possible so I can fix this problem…

    • Staff
      Jacob | February 15, 2013

      Hi Aron. There are a couple of things you need to consider. First – have you contacted CBA and told them about your travel plans? They may have put a block on your cards when they picked up on overseas use. If that’s not the case, try another booking website. If that doesn’t work, you will have to contact Commonwealth directly. Thanks.

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