At a glance

What you'll get

  • Earn 1 Awards point for every $1 spent using your Mastercard®1
  • Earn up to 150,000 points1 a year
  • Included international travel insurance, simply activate before you travel2
  • 20.24% p.a. interest rate on purchases
  • $6,000 minimum credit limit
  • Lower annual fee than our Diamond Awards card 
  • Up to 1 year extended warranty on most purchases2
  • Purchase security insurance available for most lost, stolen or damaged purchases2
  • Priceless® Cities offers and experiences


  • Higher annual fee than our Awards card
  • Lower points earning potential than our Diamond Awards card
  • International transaction fees apply
  • $10 p.a. additional cardholder fee
  • Higher purchase interest rates than our Low Rate and Low Fee credit cards

Get a $200 voucher^ and refund on a 1 year Amazon Prime membership

Apply for a new Awards credit card by 14 February 2019 and spend $500 using your new card by 31 May 2019 and we’ll send you a $200 voucher^ to use on eligible items on

We’ll send you the voucher by email so make sure you give us your valid email address when you apply.

When you apply for a new Awards credit card by 14 February 2019 and use your new card online directly with Amazon (not via intermediaries such as PayPal) to purchase a 1 year annual membership to Amazon Prime Australia by 31 May 2019, we’ll refund you the cost of your membership to the value of $59. Prime delivers a huge range of shopping and entertainment benefits!

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CommBank Awards program

The largest credit card rewards program of any bank in Australia3

  • Earn Bonus Points when you make purchases with your credit card at one of our bonus partners
  • No expiry on points earned
  • Redeem exclusively instore at Myer and Flight Centre or choose from over 1,000 items on the Awards site - including Gift Cards, electronics, appliances, cash back and much more
  • Use NetBank or the CommBank app to check or redeem points

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Control & security for your card

Lock, Block, Limit®

Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.

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Stay in control of your spending

Security protection

  • 24-hour fraud protection that detects abnormal transaction spending habits
  • Free protection against fraud and other unauthorised transactions with Mastercard Zero Liability
  • 24/7 emergency overseas assistance if you lose your card with Mastercard Global Service

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Mobile payments & wearables

Secure, cashless payments are now possible using your compatible phone or wearables.

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Rates & fees

Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.

Rates & fees
Additional cardholder fee
Annual fee
Balance transfer rate
5.99% p.a.
Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across, cash advance rate thereafter. Conditions apply.
Cash advance interest rate
21.24% p.a.
Cash advance fee
$2.50 or 2.00% of the transaction amount – whichever is greater4
This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.4  
Interest free period on purchases
Up to 55 days
International transaction fee
This is charged when you make a transaction in a foreign currency or make a transaction in Australian dollars using your Mastercard:
  • While overseas; or
  • In Australia (for example online) where the merchant, or the financial institution or entity processing the transaction, is located overseas
For cash advances, the cash advance fee will also apply.
Late payment fee
The amount charged if you don't pay the minimum amount, plus any overdue amount, by your statement due date.
Minimum credit limit
Purchase interest rate
20.24% p.a.

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Things you should know

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.  Please view our Credit Card Conditions of Use

^ AU$200 Amazon voucher: To be eligible to receive an AU$200 voucher redeemable on eligible items on you need to apply for a new CommBank Awards, Business Awards, Platinum Awards, Business Platinum Awards or Diamond Awards credit card (“eligible card”) between 06.11.2018 and 14.02.2019 and spend AU$500 on eligible purchases using your new card by 31 May 2019 (includes BPAY transactions, payments to the ATO but excludes balance transfers, cash advances and any purchase or transaction that is subsequently reversed or refunded). The AU$200 voucher will be provided in the form of a Promotional Code sent to you by email usually within 30 days (but may take up to 60 days) of you meeting the eligibility criteria, provided you give us your current email address when you apply for your card. Vouchers/Promotional Codes will not be reissued if the email address you provided is incorrect or invalid. Use of the Promotional Code is subject to terms and conditions.  

These terms and conditions apply to the use of the unique AU$200 Promotional Code emailed to eligible CBA customers for redemption via or the Amazon app on purchases of eligible item(s) (“Promotional Code”). For the purpose of these terms and conditions, “eligible items” refers to any items sold on other than membership subscriptions (e.g. Audible) and gift cards. Amazon's standard delivery rates and policies will apply to purchases made on or via the Amazon app. The Promotional Code may be redeemed in any number of transactions up to the value of the Promotional Code. To redeem the Promotional Code, shop on or the Amazon app, add eligible items to your cart, then enter the Promotional Code into the relevant field during the checkout process and the Promotional Code will be applied to your order. If you return any eligible item purchased using the Promotional Code, Amazon AU will only refund the price actually paid for the item (that is, less the value of the Promotional Code) and the Promotional Code will be invalidated. The Promotional Code is not transferable and may not be resold. The Promotional Code cannot be used on pre-existing orders and will not apply to orders placed with 1-Click. If you violate any of these terms and conditions, the Promotional Code will be invalid.’s Conditions of Use and Sale apply to purchases made on or via the Amazon app. The Promotional Code is valid (up to the value of the Promotional Code) until 11:59PM (AEDT) on 4 December 2028.

 Amazon Prime Australia 1 year’s annual membership refund: To be eligible to receive a refund to the value of AU$59 you need to apply for an eligible card by 14 February 2019, be approved and purchase a 1 year annual membership to Amazon Prime Australia (“Amazon”) using your new eligible credit card online directly with Amazon (not via intermediaries such as PayPal) at by 31 May 2019. If you take advantage of a free trial period with Amazon you will still be eligible provided your credit card is charged by them no later than 1 July 2019. Memberships paid for or processed through third party parties or intermediary payment processors (for example, PayPal) are not eligible. The refund will be credited to your card account within 60 days of an eligible purchase of Amazon membership being charged to your credit card account and will appear in your statement as ‘CASHBACK PRIME’. The refund/cashback may be reversed if your qualifying purchase is refunded by Amazon or cancelled. Your Amazon Prime Australia membership is subject to terms and conditions

Both offers exclude all other card types, upgrades and switches from other card types and existing credit cards and are not available to customers who currently hold, or have held, any of the above cards types 12 months prior to applying. Only available on one CommBank credit card per customer, can be withdrawn at any time at the discretion of the Bank, and cannot be used in conjunction with any other offer. You will be ineligible if your account is closed, transferred, upgraded or in default at any time prior to the Promotional Code being emailed to you or the refund credited to your account, as applicable. 

Applications for credit cards are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

1 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 are subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice.

Customers opted in to Qantas Frequent Flyer Direct can earn up to 120,000 Awards points per year which is equal to 48,000 Qantas Points. 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 earned after opting in will be automatically redeemed for Qantas Points and transferred monthly to their Qantas Frequent Flyer account at the applicable conversion rate. It is important to note that any CommBank Awards points earned prior to the date of your opt-in cannot be transferred to your Qantas Frequent Flyer account. 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.

2 Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on Netbank, the CommBank app or call Cover-More on 1300 467 951 before you travel.

If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply.

Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia.

If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product.including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here

3 Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017

4 A maximum charge of $150 (or a flat fee of $2.50 applies) if your closing balance on previous business day was in credit).

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.