"We are one country and we should be one nation," Beth Savage told the commision on the third day of its East London hearing.
Asked how she would feel if her attacker received amnesty, she said: "Whatever must be must be. It would not worry me one way or the other".
She described how masked gunmen burst into the golf club on November 28, 1992 while members of a wine-tasting club were holding their Christmas party.
"I heard what sounded like crackers going off," she said.
She saw bullets and scrapnel from an exploding grenade ripping into friends and colleagues.
"I blacked out and I don't remember feeling anything. The next thing I remember was being in a helicopter and someone saying 'you were in a terrorist attack'."
Savage underwent open-heart surgery and had half her large intestine removed as a result of injuries she sustained in the attack.
While in Bloemfontein's Universitas Hospital, she said she was haunted by the masked face of one of the gunmen.
"I saw a man dressed in khaki and green with a balaclava over his head standing at the window outside. I thought he was a security guard but was frightened by the way he looked at me and laughed."
Although she was repeatedly asked to describe the man, she was unable to do so.
After attending an identity parade of suspecets of the St James Church massacre in Cape Town, a photograph of one of the alleged perpertrators had appeared in a newspaper.
"Everything fell into place and the face I saw in my hallucinations was identified in my mind."
She said the attack had exacted a terrible toll on her and her family.
After her release from hospital her father, whom she described as a staunch opponent of apartheid, went into a deep depression and died. Her mother, unable to live without him, died several months later.
Both she and her daughter, who nursed her back to health, suffered nervous breakdowns.
Savage said she did not expect compensation from the commission, but would like to meet the gunman who had thrown the grenade into the golf club, in "an attitude of forgiveness".
She told reporters later she felt "a richer person" for having told her story to the commission.