How the Awards Program works

Access the Awards program and earn Awards points as soon as you start using your CommBank Awards credit card. You can:

  • Earn points on everyday credit card purchases with no expiry on points
  • Redeem Awards points in-store at any Myer and Flight Centre
  • Redeem Awards points for a range of Awards items on the Awards site including Gift Cards, electronics, travel and cash back
  • Easily check your Awards points balance in NetBank or the CommBank app
  • Earn Bonus Points when you make purchases with your credit card at one of our bonus partners including the Bonus Points eShop

Earning points

The number of Awards points you earn per $1 spent will depend on what type of CommBank Awards credit card you have.

  • Points are earned on eligible transactions and are subject to points capping2
  • For an annual fee of $30, you can choose to earn Qantas Frequent Flyer points instead of Awards points, at a rate of 2.5 CommBank Awards points to 1 Qantas Point3

Download the CommBank Awards Program Terms and Conditions

Credit card
Award points earned per $1 spent
Maximum points per year
1 point2
50,000 points
1 point2
150,000 points
1.25 points2
1,000,000 points
Up to 3 points2
Unlimited points
1 point2
60,000 points
1 point2
300,000 points

Bonus Points

Earn Bonus Points for every $1 spent when shopping with our bonus partners. There’s no cap on how many extra points you can earn, so you can build your points balance faster.

Bonus Points

Bonus partner
Bonus Points earned per $1 spent
Over 150 online stores through the Bonus Points eShop
Up to 10 and (both online only)
10 (online only)
Up to 15
Crown Metropol, Crown Promenade Hotel, Crown Towers, Magshop (online only)

Using your points 

Pay with points at Myer

Redeem your Awards points instantly in-store at any Myer4 store. Simply present your Awards credit card at a Myer register and ask to pay with points.

Show me how

Choose from a range of items

Redeem your Awards points for a huge variety of Gift Cards, electronics, appliances, beauty products, homewares, movie tickets and more on the Awards site, accessible through NetBank or the CommBank app.

Visit Awards site

Turn your points into travel at Flight Centre

Redeem your Awards points for flights, holiday packages, cruises and more in-store at Flight Centre5, with no blackout dates.

Transfer points to frequent traveller programs

Transfer your Awards points via the Awards site to over 10 airline partners, including Qantas Frequent Flyer and Velocity Frequent Flyer.

Flexibility with Points Plus Pay

With Points Plus Pay you can use the Awards points you have and then pay the rest with your CommBank credit card at Myer, Flight Centre or for selected items on the Awards site.*

*Points Plus Pay is temporarily unavailable until March 2020.

Get cash back

Redeem your Awards points for cash, credited straight into your credit card account, so you can treat yourself to whatever you like.

Check & redeem your points

You can check your points balance and redeem online at CommBank Awards, accessible via NetBank or the CommBank app.

Using the CommBank app

  • Log on to the CommBank App
  • Tap on the Cards icon
  • Tap View Awards (below your Awards card details)

Using NetBank

  • Log on to NetBank
  • Go to your account list
  • Open the Awards site (using the link next to your Awards card details)

Don’t have a CommBank Awards credit card yet?

Things you should know

1 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to June 2019.

2 The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions, available here. Points are earned on eligible transactions (excludes for example BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and may be subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Refer to the CommBank Awards Program Terms and Conditions.

The Ultimate Awards credit card features:

  • 3 points per $1 spent on international transactions. International transactions include purchases made overseas or in Australia (for example online) where the merchant or entity processing the transaction is located outside of Australia.
  • 2 points per $1 spent at major Australian supermarkets, department stores and petrol stations. Please note that we are reliant on information about the merchant's business categorisation provided to us by either the merchant or their financial institution. The merchant must be classified as a major 'supermarket', 'department store' or 'service (petrol) station' for the purposes of Mastercard transactions, excluding any business or organisation paid using any intermediary platform, for example, PayPal.
  • 1 point per $1 spent on all other purchases.

After spending $10,000 in a given statement period, any additional purchases (regardless of category) made within the same statement period are subject to earn 0.5 points per $1 spent. Please note, this is only applicable from May 2020.

Customers opted in to Qantas Frequent Flyer Direct can earn up to 50,000 Awards points per year which can be transferred/ converted to 20,000 Qantas Points (Awards) or earn up to 150,000 Awards points per year which can be transferred/ converted to 60,000 Qantas Points (Platinum Awards) or earn up to earn up to 1,000,000 Awards points per year which can be transferred/ converted to 400,000 Qantas Points (Diamond Awards). With the Ultimate Awards credit card, earn unlimited Awards points each year. To opt in to Qantas Frequent Flyer Direct, call 13 1661 or visit the Awards website Redeem Travel page. There is a $30 annual fee charged for opting in. Once a customer has opted in to Qantas Frequent Flyer Direct, all CommBank Awards points will be automatically transferred/ converted to Qantas Points and credited monthly to their Qantas Frequent Flyer account at the applicable conversion rate. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the terms and conditions of the program are available at or by calling 13 11 31.

4 Pay with CommBank Awards points 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, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at Points cannot be redeemed for cash. A maximum of 1 million points redemption per day applies. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. 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. 

5 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 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.

Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.