Changes to points earned on American Express® cards

These changes are our response to new regulations that apply to credit cards. Here's a summary of the points you can earn from the start date of your July 2017 statement period.

Business Awards credit card

Business Awards

When using your American Express card you’ll:

  • Continue to earn 1.5 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else.
business awards

No change to points earned on your Mastercard® so you’ll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.
Business Awards credit card

Business Gold Awards

When using your American Express card you'll:

  • Continue to earn 2 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else.
business awards

No change to points earned on your Mastercard so you'll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.
Business Platinum Awards credit card

Business Platinum Awards

When using your American Express card you'll:

  • Continue to earn 3 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else
  • Pay no international transaction fees on overseas purchases – in store and online.
business awards

No change to points earned on your Mastercard so you'll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.

Where can I shop using my American Express card?

Here are some of the supermarkets, petrol stations, department stores in Australia1 where you can earn the maximum number of points on your business expenses, using your American Express card.

Supermarkets

Including Woolworths, Coles, IGA, Supa IGA, IGA X-Press, Ritchies Supa IGA, Harris Farm, Supabarn, Foodland, Farmer Jack’s, FoodWorks, Thomas Dux, Wray Organic

Petrol stations

Including Coles Express, Woolworths Petrol, BP, 7-Eleven, Caltex, Shell, United, Gull, Ampol, Mobil, Apco, Speedway, Better Choice, Lowes Petroleum, Budget Petrol, South West Fuel, Liberty, Pentaco, Tasco, Vibe, Metro, Puma

Department stores

Including Myer, David Jones, Kmart, Target, Big W, Harvey Norman, Domayne, Joyce Mayne, GraysOnline, Dimmeys

Make the most of your Business Awards experience

We’re here to help you make the most of Australia's largest credit cards rewards program2. Your Business Awards credit card separates your business expenses from your personal, saving you time with every BAS so you can focus on managing your business. You can keep building up your points balance, then redeem for over 1,000 items in the Awards program.

International travel insurance included

International travel insurance included

Travel with your Business Gold or Platinum Awards card and take advantage of our comprehensive travel insurance3. Activate your cover before each trip via the CommBank app or NetBank.

No international transaction fees

No international transaction fees

From 1 July, Business Platinum customers will pay no international transaction fees on overseas purchases made with your American Express card - in store and online.

Turn your points into travel

Turn your points into travel

Redeem your Awards points for flights, hotels, holiday packages, cruises and more, when you book your next trip with Flight Centre4.

Automatic bank feeds

Automatic bank feeds

Save time reconciling your accounts by setting up an automatic bank feed to your accounting software and say goodbye to time-wasting data entry.

Stay in control with Spending Cap

Stay in control with Spending Cap

Be in control of your business spend with a spending cap, enabling you quickly cap a portion of your limit for a period of time that suits you5.

Mastercard accepted at 43 million locations

Mastercard accepted at 43 million locations

Your Mastercard is accepted at over 43 million locations worldwide, making it even easier to earn more points6.

Discover Connect by American Express

Discover Connect by American Express

Enjoy access to great offers, pre-sale tickets, shopping, travel and dining benefits.

 

Earn more points with our Bonus partners

Earn more points with our Bonus partners

Earn bonus points for every $1 spent on your Awards card at any of our Bonus partners. Enjoy rewards sooner, as your bonus points aren't capped.

Things you should know

Points are earned on eligible transactions and are subject to points capping. For full terms and conditions, please refer to the CommBank Awards Program terms and conditions.

1 To earn points at the higher rate, the business must be a Higher Points Merchant, which means a business or organisation in Australia classified as a 'supermarket', 'department store' or 'service (petrol) station' for the purposes of American Express transactions, excluding any business or organisation paid using an intermediary payment platform, for example, PayPal. CommBank Awards relies on the way a business is classified for American Express transactions to pay Awards points at the higher rate. These classifications are not controlled or set by CommBank Awards and we are not responsible if a business is classified incorrectly or changes its classification. Exceptions may apply if an individual merchant does not accept American Express as a form of payment.
2
Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017.
3
If you don’t activate you’ll receive Base cover which includes personal liability cover and overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses apply. Insurance is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) (ABN 52 097 227 177, AFSL No.245631) on behalf of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL No. 234708) for Commonwealth Bank of Australia.
4
Minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability as well as booking agency online and retail booking terms and conditions. Flight Centre Limited (ABN 25003 377 188) trading as Flight Centre, Escape Travel, Student Flights, Travel Associates & Cruiseabout. Lic No. QLD TAG262, NSW 2TA2719, ACT 18800224, VIC 31089, TAS TAS031, SA TTA254, WA 97A 589, NT 008.
5
A spending cap does not apply to some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, assisted cash withdrawals and transactions flagged as recurring (for example, direct debits). Other conditions apply.
6
The Nilson Report, Issue 1095 September 2016. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

American Express is a trademark of American Express. The Commonwealth Bank American Express Card is issued and administered by Commonwealth Bank of Australia pursuant to a license from American Express. Commonwealth Bank of Australia Ltd ABN 48 123 123 124. Australian credit licence 234945.