FAQs – Corporate Credit Cards

How do I apply for a card?

Please contact us with details of the cardholder and the monthly credit limit required. We will then forward electronic paperwork prefilled for signing;

The Cardholder completes their details & signs the CBA application form, &
Provides photo ID that verifies their identity in accordance with the current anti-money laundering legislation
For the Credit Card Authorisation, this is the ADF’s separate form authorising for the card to be issued, monthly spend limit required and authority to set up direct debit from a nominated ADF account

Once you have completed and forwarded your application via email scan to adf@bne.catholic.net.au we will submit it for processing. Your new card will be posted to you within approx. 10 working days.

How do I activate the card when it arrives?

Sign your card in the space on the back – your card may not be accepted unless it carries your signature;
Activate your card prior to first use by calling CBA 13 1576 at any time;
Use your PIN (Personal Identification Number) received separately in the mail to authorise purchases.

What fees and charges will apply?

All everyday purchases and transactions are interest and fee free* – for ADF customers the annual charge is also waived.

This provides a hassle free solution without having to worry about interest free periods or over limit charges.

*CBA forward on fees incurred when you make an international transaction or cash advance while overseas.

What is the monthly limit for?

You are able to set different monthly credit limits for each cardholder so that they have access to the funds required for business expenses.

How do I change my monthly limit?

To apply for a credit limit increase or request a decrease please contact the ADF.

Another option which is great if only required temporarily, is to top up your card balance any time using BPAY Payer – using Biller Code 1818 and the full card number as the Customer Reference Number, funds will process to the card within 24-48 hours.

How will the balance be paid out each month?

The balance owing for all cards will automatically be taken out of the nominated account each month.

You can clear the balance before it is due by doing a simple BPAY Payment using Biller Code 1818 and the full card number as the Customer Reference Number, funds will process to the card within 24-48 hours.

Is there a certain day each month that the statement ends?

Each facility is allocated to a statement cycle – to determine your billing periods for the year please feel free to contact the ADF to obtain the schedule issued by the CBA.

What is involved in the reconciliation process?

You will receive a paper statement in the mail each month that will provide an itemised list of transactions made during the statement period allowing you to match receipts with the expenses incurred so that you can verify their validity and ensures spending is managed.

For any statement queries including obtaining additional copies, please feel free to contact the ADF.

Is there an easy way to view transactions electronically?

You can view transactions processed on your card on MasterCard’s site, Smart Data.

The website provides more flexibility to monitor the card transactions, and also has a range of expenditure reports available.

Simply contact the ADF any time to register & set up your access – it only takes a few minutes.

Where can I use my card?

This card can be used at more than 36 million merchants worldwide, wherever MasterCard is accepted.

What about when I travel overseas?

There are a number of advantages to taking a credit card overseas for business use – they are widely accepted and they save you having to carry large amounts of cash around.

Please ensure you place a travel note on your card prior to leaving to avoid possible temporary blocks if CBA flag any suspicious overseas transactions.

We do recommend that you arrange more than one form of payment when travelling overseas. Please feel free to contact the ADF or your Relationship Manager to discuss additional solutions such as foreign currency.

How do I authorise the transaction for security?

Since 1^st August 2014 signatures are no longer accepted for purchases made in person, a 4-digit Personal Identification Number (PIN) is required to complete the transaction.

A PIN must not be disclosed to any person, recorded on the card or carried with the card.

A cardholder must ensure that their card and any record of their PIN are not misused, lost or stolen – please inform the ADF is your card is lost, stolen or you suspect that your PIN or card number has become known to someone else

How and where can I change my PIN?

If you want to set a new PIN, simply visit a CBA branch with photo ID to select your own number.

What do I do if I suspect unauthorised use of my card?

If you suspect fraud or have a dispute on your card please notify us immediately on 07 3324 3777

If outside working hours, call the CBA immediately on 13 22 21, 24 hours a day, 7 days a week or visit any branch.

If you are overseas and have an urgent card security issue, make a reverse-charges phone call to +61 2 9999 3283.

CBA have advanced security and fraud detection systems in place that detect any abnormal transactions or spend patterns – this may result in temporary blocks on your card while they are in the process of contacting you for verification.

How do I organise a replacement card?

If your card is lost or stolen, call us immediately on 07 3324 3777 to arrange a block on the card. We can then request a replacement card with new details to be sent out to you.

If outside working hours, call the CBA immediately on 13 15 76, 24 hours a day, 7 days a week or visit any branch.

An option is available for express post if required (emergency express re-issue incurs a fee).

If you’re using your credit card to pay bills by direct debit, you will need to contact your supplier to advise them of your new credit card details.

What do I need to do when my card is expiring soon?

Nothing – your new card will be sent to you 2-4 weeks prior to your card’s expiration date. If you haven’t received your replacement by the 26^th day of the month of expiry, please advise us.

Your new card will have the same number as your current card, but the expiry date will change

What is the process for cancelling a card?

When no longer required please destroy the card by cutting it up, and then email the ADF to advise of the cancellation.