Things you should know

^*Offer applies to new Retail and Business Standard Awards and Platinum Awards credit cards applied and submitted between 01/11/2019 and 29/02/2020 only. To be eligible for the bonus CommBank Awards points, you need to meet the minimum spend requirements on eligible purchases using your new card within the first 90 days of activation (excludes balance transfers, cash advances and any purchase that is reversed or refunded).

Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any Awards card types in the 12 months prior. Offer only available on one credit card per customer, offer can be withdrawn at any time. Bonus points will appear on your statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. You will be ineligible for the points if your account is closed, transferred, or in default at any time prior to the points being credited to your account. The earning and redemption of CommBank Award points are subject to the Commonwealth (CommBank) Awards Program Terms and Conditions, available here.

^~ Promotion applies to all new Retail and Business Low Rate credit cards, applied and submitted between 01/11/2019 and 30/04/2020. The 5% cashback is based on eligible purchases made on your card in the first three months from activation up to the value of $100 per month (excludes balance transfers, cash advances and any purchase that is reversed or refunded). Each month is calculated as a 30 day period.

Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any Low Rate card types in the 12 months prior. Offer only available on one credit card per customer, offer can be withdrawn at any time. Cashback will appear on your statement as ‘cashback’ each month within 90 days of you meeting the monthly eligibility criteria. You will be ineligible for the cashback if your account is closed, transferred, or in default at any time prior to the cashback being credited to your account.

Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable. Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124, Australian credit licence 234945.

⁺ Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to June 2019.

^s Pay with points is available in-store at Myer only. Ask a Myer team member in-store to check the redeemable value of your points. Some exclusions apply, including using points to pay Myer card accounts, purchase of Coles Group & Myer Gift Cards or Myer Gift Cards, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at myer.com.au. Points cannot be redeemed for cash. A maximum of 1 million points redemption per day applies. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Myer stores Australia-wide. Customers must use their Awards credit card to pay with points at Myer. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions.

** All travel products and offers from Flight Centre Limited are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Limited is subject to terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group Limited (ABN 25 003 377 188) trading as Flight Centre, The Universal Traveller and Travel Associates. ATAS Accreditation No. A10412. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Flight Centre stores Australia-wide and for Flight Centre online via the Awards website. Customers must present their Awards credit card to pay with points at Flight Centre.

Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions are included in our Letter of Offer. Bank fees and charges may apply. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider its appropriateness to your circumstances. You can also download our Financial Services Guide (FSG) (PDF 59kb).

View Terms and Conditions for Electronic Banking (PDF 135kb), NetBank and CommBiz (PDF 325kb) and consider them before making any decision about these products. Before 1 October 2018, view our Certificate of Transit Accident Insurance (PDF) here and Certificate of Unauthorised Transactions Insurance here. After 1 October, view our Certificate of Transit Accident Insurance (PDF) here and Certificate of Unauthorised Transactions Insurance here. Please view our Credit Card Conditions of Use.

The CommBank Business Credit Cards are Personal Liability Business Credit Cards. By applying, you (the individual that is applying for a Business Credit Card) acknowledge that the Business Credit Card you are applying for provides for Personal Liability. We will look to you (and no any company, partnership or other business entity that may employ or engage you) to recover all amounts charged using the Business Credit Card, including any amounts charged by an additional cardholder.