- Receive 80,000 CommBank Awards Points or 50,000 bonus Qantas Points when you apply by 01 June 2023 and spend $4,000 on eligible purchases using your new card within 90 days from activation
- Earn 1 Awards point per $1 spent on eligible purchases, up to 150,000 points per year
- Ability to convert Awards points directly to Qantas points
- You can use your card to redeem reward points to pay for purchases at Myer
- 5.99% p.a. on balance transfers for the first 5 months, reverts to cash advance rate
- Range of complimentary platinum insurance covers
- Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Commonwealth Bank Credit Cards
Discontinued: Commonwealth Bank Platinum Awards Credit Card
Updated 13 November 2024
As of 02 June 2023, this card became unavailable for application. This information has been left for those who still have the card or were previously interested.
Get 80,000 CommBank Awards Points or 50,000 bonus Qantas Points when you apply by 01 June 2023 and spend $4,000 on eligible purchases using your new card within 90 days from activation. Earn 1 Awards point per $1 spent on eligible purchases, up to 150,000 points per year. Plus, take advantage of a low 5.99% p.a. in interest on balance transfers for the first 5 months. New customers only.
Points Earn Rate (per $1 spent)
1 point
CBA AwardsRewards Program
Commonwealth Bank Awards
Bonus Points
70,000 pts
Spend $4,000 in the first 90 days
Pros and cons
- Earn 1 Awards point for every dollar spent on your CommBank Platinum Awards Mastercard
- Points cap of 150,000 per year (60,000 points per year if you have opted in to Qantas Frequent Flyer Direct)
Creditcard.com.au review
Editor Review
Discontinued: Commonwealth Bank Platinum Awards Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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The Big Review: Commonwealth Bank Platinum Awards Credit Card
Designed to appeal to big spenders who want to earn big rewards, the Commonwealth Bank Platinum Awards Credit Card earns points on CommBank’s Awards program, up to a cap of 150,000 Awards points per year. Cardholders can enjoy access to one of the most popular rewards programs in Australia, or opt in to Qantas Frequent Flyer. Extras focus on insurance covers, with complimentary overseas travel insurance, extended warranty and purchase security insurance included.
- Receive 80,000 CommBank Awards Points or 50,000 bonus Qantas Points when you apply by 01 June 2023 and spend $4,000 on eligible purchases using your new card within 90 days from activation
- Earn 1 Awards point for every dollar you spend on eligible purchases
- Earn up to 150,000 Awards per year
- Opt in to Qantas Frequent Flyer to earn 0.4 Qantas Points per $1 (up to 60,000 Qantas Points per year)
- Flexibility of CommBank’s Awards program, providing access to 12 frequent flyer program partners, and instant points redemption at Myer and Flight Centre
- Complimentary overseas travel insurance
- Complimentary extended warranty insurance, price guarantee and purchase security insurance
- Access to Priceless Cities offers and experiences
- Annual Fee: $249
- Additional Cardholder Fee: $10 per year
- Purchase Rate: 20.24% p.a. (variable)
- Cash Advance Interest Rate: 21.24% p.a. (variable)
- Minimum Credit Limit: $6,000
- Interest Free Period on Purchases: Up to 55 days
This Card: The Lowdown
Having scrapped its Gold Awards card, CommBank now offers three rewards options within its range of cards designed for personal use. With the entry-level Commonwealth Bank Awards Credit Card on one side and the Commonwealth Bank Diamond Awards Credit Card on the other, the Commonwealth Bank Platinum Awards Credit Card sits pretty in the middle.
Why choose the Commonwealth Bank Platinum Awards Credit Card over CommBank’s two other rewards cards? Now that the American Express companion card is no longer offered on this range, the Awards Card and Platinum Card offer the same earn rate. What sets them apart is their annual points cap (50,000 vs. 150,000 Awards points), and the Platinum Card’s range of insurance covers.
Comparing the two cards, you will see there is also a huge difference in annual fees. So, if you want to make the most of the Platinum Card, you better be ready to spend on it. To balance out its much higher annual fee, you will need to spend on the card to earn as many points as possible – while also making good use of the insurance covers on offer.
The Diamond Card has a higher annual fee still, but caps annual points earn at 1 million, while offering a slightly higher earn rate. Is it worthwhile? The Commonwealth Bank Platinum Awards Credit Card would work well for big spenders who want the flexibility offered on CommBank’s Awards program. There is the option to opt in to Qantas, but the earn rate is not all that appealing.
Digging Deeper
With the basics covered, it’s time to dig a little deeper into what’s on offer with the Commonwealth Bank Platinum Awards Credit Card, so you can decide whether this card is right for you.
This Card: As a Rewards Card
There is a bonus points offer on the Commbank Platinum Awards Credit Card which is 80,000 points or 50,000 bonus Qantas Points when you spend $4,000 on eligible purchases using your new card within 90 days from activation. Apply by 01 June 2023 to be eligible.Earning Points
The Commonwealth Bank Platinum Awards Credit Card has one earn rate, providing cardholders with 1 Awards point per $1 on eligible credit card spending. Purchases excluded from this earn rate include BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office. Points are capped at 150,000 points per year. There is no expiry on points earned.
If you were to compare that to the other rewards cards offered by CommBank, you would see the CommBank Awards Credit Card has the same earn rate of 1 Awards point per $1, with an annual cap of 50,000 Awards points. Unlike the Platinum Card, which has an annual fee of $249, the entry-level Awards Card has an annual fee of $59.
Meanwhile, the CommBank Diamond Awards Credit Card allows cardholders to earn 1.25 Awards points per $1 spent, capped at 1 million points per year. The Diamond Card has an annual fee of $349, with the same range of features as the Platinum Card. So, it’s up to you to work out what kind of value you could get from these options, to work out which one is right for you.
It’s worth pointing out that cardholders have the opportunity to boost their points-earn when using their card at any of the Awards program’s bonus partners. Correct as of 30 April 2021, this is how that bonus point earns stacks up.
Shopping
Onsport - 10 bonus points per $1 spent
WineDirect.com - 10 bonus points per $1 spent
Magshop - 1 bonus point per $1 spent
Travel
Kaligo.com - up to 15 bonus points per $1 spent
Crown Metropol - 1 bonus point per $1 spent
Crown Promenade Hotel - 1 bonus point per $1 spent
Crown Towers - 1 bonus point per $1 spent
Entertainment and Leisure
iTunes Australia - 2 bonus points per $1 spentMyer - 7 bonus points per $1 spent
Xbox AU - 5 bonus points per $1 spent
Vodafone Mobile Phones (AU) - 6,000 bonus points per $1 spent
CommBank made the decision to pull the American Express companion card on its rewards card range, leaving just the Mastercard in place. That means one lower earn rate across all card spending. Whether this card still offers value to you will depend on the type of spending you do most – and how much you spend throughout the year.
Opting In To Qantas
Cardholders can choose to opt in to Qantas Frequent Flyer by paying an additional $30 per year. Offering an ‘all or nothing’ option, opting in to Qantas means all points earned on the card are automatically converted to Qantas Points and transferred to the cardholder’s Qantas account at the end of each statement period.
Points are converted at a rate of 2.5 CommBank Award points to 1 Qantas Point. So, by opting in to Qantas, you will earn 0.4 Qantas Points per $1 spent. Similar to the Awards program, there is a maximum number of Qantas Points you can earn in a year on this card, with points capped at 60,000 per year.
To earn Qantas Points, you have to be a Qantas Frequent Flyer member. If you’re not yet a member, you’ll need to join, which may involve a joining fee of $99.50.
Redeeming Points
As a CommBank Platinum cardholder, you will be enrolled in CommBank’s Awards program – unless of course, you opt in to Qantas. According to CommBank, its Awards program is the largest credit card rewards program of any bank in Australia. So, what does it have to offer?
In terms of travel, you can convert your Awards points to the program’s range of partner airlines, or alternatively, use your points to pay for your next adventure when booking at Flight Centre. You could also redeem your Awards points instantly instore at Myer, or you could redeem your points for cash, crediting them to your card account to cover whatever you like.
Of course, the Awards program also has its own online store, much like the Qantas Store and Velocity Store. This allows you to redeem your Awards points for more than 1,000 items, including gift cards, sports gear, home appliances, tech and fashion. Check out the Awards Guide for current deals on the Awards site, and for bonus points offers available at partners such as Flight Centre.
Travel Options
Back in July 2018, the Awards program announced the addition of 10 further frequent flyer partners, up from just two. Unlike Qantas, which requires cardholders to opt in to earn Qantas Points, these frequent flyer partners allow for points transfer as and when the cardholder chooses. There is no additional annual fee when transferring points to programs outside Qantas.
- Virgin Australia Velocity: 2 Awards points = 1 Velocity Point
- Qantas Frequent Flyer: 2.5 Awards points = 1 Qantas Point
- Air Asia BIG: 2.5 Awards points = 1 BIG Point
- Air France-KLM Flying Blue: 3 Awards points = 1 mile
- EVA Air Infinity MileageLands: 3 Awards points = 1 mile
- Malaysia Airlines Enrich: 3.5 Awards points = 1 mile
- Lufthansa Miles & More: 4 Awards points = 1 mile
- China Eastern Eastern Miles: 3 Awards points = 1 point
- Etihad Guest: 3.5 Awards points = 1 mile
- JAL Mileage Bank: 4 Awards points = 1 mile
- United MileagePlus: 4 Awards points = 1 mile
- IHG Rewards Club: 2.5 Awards points = 1 point
While the additional partners certainly offer diversity and choice, the value you gain from these additions will depend on how often you fly with these airlines. It’s worth checking out each airline’s partners to find further value.
- Qantas Points can be used for travel on Qantas, Emirates and oneworld partner airlines.
- Velocity Points can be used for travel on Virgin Australia and partners such as Singapore Airlines and Etihad.
- Air France-KLM Flying Blue miles can be used for travel on SkyTeam airlines such as China Airlines, Delta and Korean Air.
- EVA Air Infinity MileageLands & United MileagePlus miles can be used for travel on Star Alliance airlines such as United, ANA and THAI.
It’s likely Velocity and Qantas will remain the most popular options, but with an earn rate of 0.5 Velocity Points per $1 or 0.4 Qantas Points per $1, better value may be found elsewhere.
Retail Options
When shopping at Myer, you can pay with Awards points in-store. This can cover purchases of any item – all you need to do is present your Commonwealth Bank Platinum Awards Credit Card at the register and ask to pay with your points. If you're a MYER one member, you’ll earn MYER one Shopping Credits for the total transaction
Alternatively, you could redeem your Awards points for gift cards. Gift card options include Myer, BP, Caltex, Kmart, Coles, Dymocks, Target, Adairs, Red Balloon, Good Food and more. All gift cards have the same redemption value.
- $25 Gift Card: 5,700 Awards points
- $50 Gift Card: 11,300 Awards points
- $100 Gift Card: 21,000 Awards points
- $250 Gift Card: 52,500 Awards points
- $500 Gift Card: 105,000 Awards points
- $1,000 Gift Card: 210,000 Awards points
To give you an idea of what your Awards points could buy you at the Awards Store, here is what you would have to hand over for the following:
- Weber baby Q (RRP $339): 90,274 Awards points
- ghd Original Styler (RRP $182.75): 52,295 Awards points
- Dyson Supersonic HD03 Hair Dryer (RRP $549): 136,883 Awards points
Point calculations accurate at the time of publishing (which may be subject to change without notice). All routes may have additional taxes and charges.
This Card: Extras on Offer
To make the most of any credit card – especially one with a higher annual fee – it’s a good idea to check out the extras on offer. When it comes to platinum perks, the Commonwealth Bank Platinum Awards Credit Card focuses on included insurances.
Overseas Travel Insurance
As a cardholder, you will benefit from base overseas travel insurance as standard. This includes personal liability cover, and unlimited overseas emergency medical assistance and hospital expenses only. However, if you ‘activate’ your cover, you will have access to a much wider range of insurance types.
Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to six months for each journey. Activated insurance offers additional cover that includes baggage and personal goods up to $15,000 for the individual cardholder (up to $30,000 for a family), and rental vehicle excess of $2,250.
Retail Insurance Cover
Alongside its travel cover, the Commonwealth Bank Platinum Awards Credit Card also provides cover on retail purchases made on the card. This includes price guarantee, purchase security insurance and extended warranty.
Control & Tracking
One of the nice things about the Commonwealth Bank Platinum Awards Credit Card is the added control offered to cardholders. You can instantly lock, block or limit your credit card, you can add a Spending Cap to help control your spending, and you can work on your budgeting skills using the card’s Spending Tracker & Insights.
This Card: The Essentials
Working out whether this card is right for you will involve thinking about how you will use it – and how much value it can offer your style of card spending. It’s worth bearing in mind that there is no introductory bonus points offer on this card, which may have helped to balance out its annual fee, in the first year at least.
There is no reduced annual fee on the first year, as can often be found on cards with higher annual fees. There is also not a great range of features on offer. This means, for the card to provide value to you, it needs to offer more back on its rewards program, and on the features it does offer.
If you’re a frequent traveller, the card’s overseas travel insurance could save you serious money on standalone insurance. And, if you tend to spend big on your credit card, the Commonwealth Bank Platinum Awards Credit Card could provide a way to earn big points on your everyday spending, with access to a flexible rewards program.
Decision Time
Earning rewards on CommBank’s flexible Awards program, the Commonwealth Bank Platinum Awards Credit Card provides access to a variety of frequent flyer programs, including Qantas and Velocity. The card keeps it pretty simple on extras, focussing on insurance covering overseas travel and retail purchases.
User reviews
Rates and fees
Interest rates
Purchase rate 20.24% p.a.
Cash advance rate 21.24% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 5.99% p.a. for 5 months
Balance transfer revert rate 21.24% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit 100% of approved credit limit
Brands you can't balance transfer from Commonwealth Bank
Credit limits
Minimum credit limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $249 p.a.
Additional cardholder fee $10 p.a.
Foreign transaction fee 3%
Minimum repayment 2.5% or $75 (Business Low Rate & Interest-Free Days); 2% or $25, whichever is greater (all other cards)
Cash advance fee Consumer: $4 or 3%, whichever is greater; Commercial: 1.5%
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
Commonwealth Bank Awards
Bonus points 70,000 points
Annual points cap 150,000^
Bonus points spend criteria Spend $4,000 in the first 90 days
Earning points with this card
CBA Awards Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Price Guarantee
Overview
Discontinued: Commonwealth Bank Platinum Awards Credit Card
Earn 1 Awards point for every $1 spent using your Commonwealth Bank Platinum Awards Mastercard. For an annual fee of $30, you can choose to redeem for Qantas Frequent Flyer points instead of Awards points. You can choose to avail of either the 70,000 CommBank Awards Points or the 50,000 bonus Qantas Point once the minimum spends requirement is reached. Earn up to 150,000 Awards points a year (60,000 points per year if you have opted into Qantas Frequent Flyer Direct).
Key features
- Receive 80,000 CommBank Awards Points or 50,000 bonus Qantas Points when you apply by 01 June 2023 and spend $4,000 on eligible purchases using your new card within 90 days from activation
- Annual fee of $249
- 20.24% p.a. on purchases
- 5.99% p.a. on balance transfers for the first 5 months, reverts to cash advance rate
- Minimum credit limit of $6,000
- Earn 1 Awards point per $1 spent on eligible purchases, up to 150,000 points per year
- Earn up to 150,000 Awards points a year (60,000 points per year if you have opted in to Qantas Frequent Flyer Direct)
- International travel insurance for trips up to 6 months
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Resident or citizen of Australia. Temporary residents are eligible.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question31 questions (showing the latest 10 Q&As)
Hi, hope you are well. I have a question about Platinum Awards Mastercard through Advantage home loan package. My last statement period ended on July 23, 2024 and the due date to pay is Aug 6, 2024. That only gives me 2 weeks to pay! This card supposed to be 55 days interest free? Could you please provide explanation? Awaits for your response. Thank you.
Hi Heizel, just to let you know that you’ve landed on CreditCard.com.au - Australia’s leading credit card comparison site. To discuss anything related to your account you should definitely give Commbank a call. If you’re interested in how interest free days work, I’ve written a blog that breaks down the topic and might help shed some light on your situation.
Hi I just wanted to know what is the credit range for the Commonwealth platinum awards card I'm a doctor and I know the minum is $6000 but just wondering what can but go to some examples would be great
Hi Yasemin, that’s a good question! I looked into this however the CommBank Awards Platinum card is no longer available for application since June 2023. I checked but CBA does not publish the maximum credit limit a person can be approved for. If however you currently hold a CommBank Awards Platinum card, I suggest contacting CBA directly at 13 2221 or use the messaging function in the app for more updated information.
I would like to get a ComBank credit card that offers international travel insurance for 12 months. Do you still have a card like that available now that the platinum awards card has been discontinued
Hi Alana, you’ve actually landed on Australia’s leading credit card comparison website. However, I’ve checked this for you and CBA still has their Ultimate Awards card that has complimentary international travel insurance for up to 12 months. Alternatively, you can check a range of other credit cards that offer travel insurance for more options.
I have a platinum mastercard and want to know how much of my overseas travel costs do i have to put on this card to be eligible for free insurance.\?
Hi Louise, I looked into this for you and I see that international travel insurance is included in the CommBank Platinum Awards card. I do see that there’s no cost or spend requirement to get the full benefits of the cover. You just need to make sure that you activate the insurance coverage either on the NetBank, the CommBank app, or contacting Cover-More (CommBank’s insurance underwriter) at 1300 467 951. You can read more about the terms, coverage, and some general exclusions on their official credit card insurances PDS booklet here.
I’m an elderly man going to London next month. I’m confused as to which “Card” to use to draw money from the English ATM. Do I use my CBA Platinum Awards Visa card to withdraw, or do I use my Keycard debit eftpos card to withdraw cash from the British ATM?
Hi John, that’s great that you’re off to England! Travelling overseas does come with some money challenges. It’s generally a better idea to use a debit card rather than a credit card for withdrawing cash. A withdrawal from your credit card is called a ‘cash advance’, and means you’re borrowing money that you’ll then have to pay interest on. Interest rates on cash advances are usually much higher (for instance, the cash advance rate on your card is 21.24%). There are no interest-free days for cash advances, either. As long as your debit card is a Visa or Mastercard, you can withdraw from most ATMs around the world. Just remember you’ll likely pay foreign transaction fees and an ATM fee of a few dollars each time. It would be a good idea to check with your debit card provider to see what the fees would be for withdrawing cash. Another good option for overseas travel is a card with no foreign transaction fees. That can help keep fee costs down when you pay by card, but it’s still not a good idea for withdrawing cash. I hope that helps, John! Have a great trip!
Do not rely on the insurance associated with the Commonwealth Bank Platinum Master Card.
I made a claim under the “Cancellation of domestic travel arrangements” section of the policy. The claim was for the consequences of a flight that was cancelled due to bad weather; the consequences included needing to travel by train instead, changing my connecting flight to the next day, and getting accommodation for a night near Sydney Airport.
The airline refunded the cancelled flight, so I claimed the other consequential expenses on the insurance.
The insurance company, Cover-More, refused the claim based on the argument that the refund from the airline for the cancelled flight should be used to pay for the consequential expenses and, that therefore, the claim would be less than the excess.
I explained to them that I had already used the refund from the airline to cover what I had paid for the cancelled flight; but they could not get past the idea that I should instead use that refund to pay for the consequential expenses.
I went through all level of the insurance company’s complaint process and was unable to get them to see that their assessment was irrational.
My experience is that the insurance that is provided with the Commonwealth Bank Platinum Master Card has no value. I would never rely on it for more serious insurance such as the international travel insurance component, where claims may be for $100,000s for medical issues.
does my cba master card platinum cover me for nil excess for domestic travel car hire
Hi Mike, this CBA credit card offers extended warranty and purchase security insurance. The ANZ Platinum Credit Card features Rental Vehicle Excess In Australia Insurance and Interstate Flight Inconvenience Insurance.
what covid cover does the platinum card have if any in travel insurance
Hi, after digging further, I’m sorry to be the bearer of bad news but CommBank has a general exclusion for pandemics. I suggest reaching out to CommBank directly to get an in-depth understanding of the travel insurance they provide with the card. If you’d like to learn more about Coronavirus and your credit card travel insurance, we dug into the intricacies of each provider.
What is the maximum limit you can apply for on the awards platinum card?
Hi Stef, thank you for your question! Looking at the Commonwealth Bank Platinum Awards Credit Card, the minimum credit limit you are able to approve is $6,000. Please keep in mind that credit card providers will set a credit limit based on some eligibility factors, such as credit score, payment history, etc. The maximum credit limit will be determined by CBA during your application.
What is the minimum salary required to apply for the card?
Hi Jeff,
CommBank does not explicitly list a required minimum income, but it will be factored into your application along with the rest of your financial information and weighed against your expenses. If you'd like to get a sense of your eligibility before submitting your application, you can give them a call at 13 2221. To give you a ballpark idea, rewards cards with similar credit limits and annual fees have usually have an income requirement of at least $75,000 per year.
how to work out point cumulated to what I can spend and where and to what value
Hi Amanda, you can find out more about the rewards program here - https://www.commbank.com.au/credit-cards/awards-program.html. When I had a Commbank credit card. I could access the awards program through netbank. That way I could see the points I have earned. Then also redeem the points for what I am after.
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Creditcard.com.au Visitor
8 April 2013I have had this card in the past, for approximately 1.5 years. Personally I thought the American Express additional card was a bit of a gimmick, however I did find myself using this additional card at Myers, David Jones, and many other retail shops where no extra charges were applicable, the primary reason being the bonus points earned. The annual fee is a little high for a platinum card with its range of features, I personally would like to see it lowered, I also note if you have a home loan with CBA and are on one of their packages it is free (please confirm this). A major perk of this card is its travel insurance, and the reason I say this is because the underwriters (Zurich from memory) of the insurance didn't prescribe an age limit, or void the insurance if you have a prior medical condition unlike nearly all other credit card insurances for travel (Please note: they didn't cover your past medical condition, and to confirm the no age limit via the PDS as it may have changed since I were holding the card). Balance transfer rate is high in comparison to others, however I don't see CBA competing in this area ever, which doesn't matter to me anyway. Customer service is quiet good I feel, from walk ins to a branch to telephone esquires, I was always pleased. General knowledge/ability to assist with the travel insurance esquires was pretty dismal on both phone and walk ins. On the rewards side of things, CBA seems to be up there with the best. In regards to flexibility of using your points they are great, then again, the cost of points to redemption is pretty poor. Example being 2 CBA points to 1 QFF, 10,000 CBA points equals $50.00 voucher, and for flight Centre their conversion is not to good at all (I forgot this conversion rate sorry). Also points capping is little upsetting to see, especially at 250,000. Also note, that if you use QFF your points cap will be lowered, (a little past half way from memory, I didn't look to much into this as I dont use QFF) Final note, the Concierge Service they offer for this card, on both occasions I used them, was pathetic. Overall, I do like this card for what it does offer, I think this card would be great for a young professional couple ranging all the way up to retirees. I would strongly consider this card if I were mature aged/retiree. Negatives with CBA, they give pretty lean credit card limits if you are a first time applier, age (too young or mature) or havent been in your occupation for to long, or dont earn a reasonable income. (only a handful or reason, there are so many more) I hope my review helps your decision on this card. Please note: All the perks and benefits mentioned were during my time holding the card, I have tried my best to identify these major benefits by stating check in brackets after or during the sentence.
Recommends this card