Card Promotions Commonwealth Bank (Ultimate Awards Card) 100K award points – potentially fee free

[exceladdict]

Anyone cancel their card mid cycle, and still have their points (not bonus, just standard points) come through after the fact? Just want to jump onto the next churn!

Yep looks like got to wait to see, but it was said to be 3 months from closure all points will continue to be credited!

Confirmed that all two points I earned last statement cycle credited even though I closed the account a few days prior.

 

[FySk]

I am looking at this card for travel - insurance and no conversion fees. If I have a supplementary card holder who is not my child or wife/spouse, would they be eligible for travel insurance using their supplementary card? or is it only offered to the primary card holder?

 

[_TheTraveller_]

Does anyone know when the last bonus offer came through around this time last year? Bummed that deal is gone

 

[Scr77]

CBA Rewards currently have a 30% transfer bonus. Includes KrisFlyer, Qatar, United, Marriott etc.

Ends 30 Nov.

 

[BJReplay]

I'm about to test CBA on notices. I have an Ultimate Card where the spend to avoid the fee is $2,500 per month. Having not been notified of any changes to my credit card T&Cs, and having opened not one, but two (one for me, one for Mrs BJReplay) HSBC Star Alliance cards, my spend for the Dec-Jan statement will fall below $4,000 for the first time since they apparently brought in the change for pretty much everyone else.

I look forward to the conversation with them if they charge me a fee or, alternatively, the knowledge that I'm grandfathered on a lower spend threshold to avoid a fee

Either outcome will be good.

 

[theblank]

I was notified of the change. I cant remember how. Good luck.

 

[BJReplay]

I was notified of the change. I cant remember how. Good luck.

Yeah, I can't remember being notified (and at the time I was waiting to be notified having read the threads / commentary on various sites including this one in real time), and I checked on Monday to confirm - no notices by email, no notices attached to statements.

I've got every other notice under the sun: SurePay changes, payment limit changes, no gambling payment changes, yada yada yada.

 

[BJReplay]

I'm about to test CBA on notices.

I checked to confirm - no notices by email, no notices attached to statements.

Well, sure enough, they've charged me a fee, and I've started off with a chat enquiry rather than a complaint.

The chat enquiry (eventually, when I asked for advice about how and when I would have been told about the changes) advised me that I was notified on the last page of my July statement.

I pointed out that I wasn't, and I've checked my July statement, and my June statement, and, in fact, every statement from June through to January this year.

The person on chat couldn't see my statements (WTF?) but has raised a ticket for someone who can, to look at them, but "as a gesture of goodwill has refunded my fee" and I should be aware that the minimum spend is now $4,000.

The refund hasn't yet shown up, but I'm assuming it will in a few days, as I was told it might take a few days. We'll see. If I don't see it, next step is a formal complaint.

I thanked them, but pointed out that I haven't officially been notified, so would they mind raising another ticket to make sure that I'm officially notified of a change to the terms and conditions and charges applicable to my credit card as they're required to do under Australian Consumer Credit Law, and they're going to do that, too.

I wait with somewhat bated breath.

If I don't get formal advice of a change in T&Cs and Fees, I'll be raising a complaint, though I guess I can wait until my next statement to know that that's happened, or not.

I wonder if they're able to work out if they didn't include the notice on my credit card statement, that they may not have included it on other credit card statements, too?

I genuinely wouldn't have known if I wasn't a lurker here or OzBargain.

 

[QF_Flyer]

Well, sure enough, they've charged me a fee, and I've started off with a chat enquiry rather than a complaint.

The chat enquiry (eventually, when I asked for advice about how and when I would have been told about the changes) advised me that I was notified on the last page of my July statement.

I pointed out that I wasn't, and I've checked my July statement, and my June statement, and, in fact, every statement from June through to January this year.

The person on chat couldn't see my statements (WTF?) but has raised a ticket for someone who can, to look at them, but "as a gesture of goodwill has refunded my fee" and I should be aware that the minimum spend is now $4,000.

The refund hasn't yet shown up, but I'm assuming it will in a few days, as I was told it might take a few days. We'll see. If I don't see it, next step is a formal complaint.

I thanked them, but pointed out that I haven't officially been notified, so would they mind raising another ticket to make sure that I'm officially notified of a change to the terms and conditions and charges applicable to my credit card as they're required to do under Australian Consumer Credit Law, and they're going to do that, too.

I wait with somewhat bated breath.

If I don't get formal advice of a change in T&Cs and Fees, I'll be raising a complaint, though I guess I can wait until my next statement to know that that's happened, or not.

I wonder if they're able to work out if they didn't include the notice on my credit card statement, that they may not have included it on other credit card statements, too?

I genuinely wouldn't have known if I wasn't a lurker here or OzBargain.

Just throwing my 2c in here, I got an email dated 18/7/2023, advising me of the extra points on dining/utilities, and the lounge passes, commencing 3/6 (yes, in the past), and advising me of the "bad parts" commencing 25/8.

I haven't bothered seeing if it was on any statements, but I def think it should have been if not, and should have been made clear in online banking (which I'm sure it wasn't).

Edit: had a look at 2023 statements quickly, notices attached to the ends of the PDFs about Surepay and all sorts of other stuff (changes to the condition of use), but not these changes specifically.

 

[BJReplay]

Just throwing my 2c in here, I got an email dated 18/7/2023, advising me of the extra points on dining/utilities, and the lounge passes, commencing 3/6 (yes, in the past), and advising me of the "bad parts" commencing 25/8.

Edit: had a look at 2023 statements quickly, notices attached to the ends of the PDFs about Surepay and all sorts of other stuff (changes to the condition of use), but not these changes specifically.

Interesting - it appears that they're relying on email for the notice in your case as well. If the email has failed to be delivered, that's on them, despite their best attempts to contract out of it, as you have no way of knowing that they've attempted to notify you of an email but failed.

If it's landed in spam and you've not seen it, you've not seen it.

In my case, I have a filter for the to address (which is specific to CBA - [email protected]) to label it and ensure it doesn't go to SPAM), so I know if they've sent me an email, and it's got to my mail server.

So, in my case, and possibly yours, they're relying on email (and possibly an email tracking bug) to rely on the fact that you've received notification.

I got a statement on the 23th of June, a statement on the 24th of July, and a changes to payment limits notification on the 5th of August.

 

[BJReplay]

In my case, I have a filter for the to address (which is specific to CBA - [email protected]) to label it and ensure it doesn't go to SPAM), so I know if they've sent me an email, and it's got to my mail server.

Actually, now that I think about it - I have recently changed my email address for CBA - it used to be [email protected] and I've changed it to [email protected].

One of the reasons I change (not just CBA, but pretty much all addresses) is
a) I'm retiring the old mydomain.com.au as the base domain [email protected] gets too much spam, and
b) Lots of organisations struggle with emails in the form of BJReplay-somename and fail or they don't understand it.

So perhaps CBA is one of those, and the change in T&Cs silently failed at their end because of the hyphen

 

[QF_Flyer]

Actually, now that I think about it - I have recently changed my email address for CBA - it used to be [email protected] and I've changed it to [email protected].

One of the reasons I change (not just CBA, but pretty much all addresses) is
a) I'm retiring the old mydomain.com.au as the base domain [email protected] gets too much spam, and
b) Lots of organisations struggle with emails in the form of BJReplay-somename and fail or they don't understand it.

So perhaps CBA is one of those, and the change in T&Cs silently failed at their end because of the hyphen

Could be, one of my email addresses has a "_" in it, which a lot of forms seem to struggle with (it works, but occasionally I have to manually change it back after it's been replaced with a space or dash somehow!

Either way, pretty poorly implemented, considering CBA have used the statements to notify us of other things, it would have been easy enough to just add another 10 pages onto the usual PDF haha. I didn't get caught out thankfully, but if I'd missed it, I'd have been pretty annoyed.