Help us improve our website by completing a quick survey. Start survey now

You’ll need to update your browser so you can continue to log on to your online banking from 28th February. Update now.


How to choose an Awards credit card

Want to be rewarded every time you use your credit card? Here’s how to choose the best CommBank Awards card for your needs.

All CommBank Awards cards offer access to the largest rewards program of any bank in Australia* and can be redeemed for household items, travel, gift cards, cash back and even instantly in store at Myer and Flight Centre+. But how do you know which is the right Awards card for you?

Here are the key facts to consider when choosing your Awards card.

Points are earned for every dollar you spend on your card^.

All CommBank Awards cards come with both a Mastercard and an American Express card linked to the one account - giving you flexibility at home and abroad. Your CommBank Awards American Express® card helps you earn points faster for every dollar you spend overseas and at supermarkets, department stores and petrol stations in Australia. Plus, shopping with our bonus partners can also earn you additional points^.

You can put your points towards your card's annual fee.

You can use points to pay for purchases in-store at Myer. Present your Awards card at a register and you can pay with Awards points.

CommBank’s partnership with Flight Centre lets you redeem points for travel - choose your seat, any airline, any destination at any time. If you don’t have enough points for your purchase, you can use Points Plus Pay. This lets you use the Awards points you have now, plus extra cash from your credit card to make up the difference.

You can also redeem points online from the CommBank Awards website. 

CommBank Awards points never expire – so you can save up for larger items if you want.

Each CommBank Awards card has a cap on how many points you can earn in a year – so compare these limits.

A CommBank Awards card is just like any other credit card: to avoid interest you must pay off your balance in full every month. Up to 55 days interest free comes as standard with all CommBank credit cards. It pays to understand how this works.

Platinum and Diamond Awards cards offer you even more benefits. Additional benefits include international travel insurance included with the card (eligibility and coverage), purchase security insurance and extended warranty insurance for extra protection. For Platinum and Diamond Awards cards, you can also benefit from zero international transaction fees on purchases made in-store and online using your CommBank Diamond or Platinum Awards American Express card#.

Find out more about the CommBank Awards program.

See tips on managing and making the most of your credit card.

Things you should know

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

^ Points are earned on eligible transactions and are subject to points capping. You'll earn the maximum points per $1 spent when using your American Express card for eligible transactions overseas and at a Higher Points Merchant, which means a business 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; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the CommBank Awards Program Terms and Conditions for more information.

+ Ask a Myer team member in-store to check the redeemable value of your points. Points cannot be redeemed for cash. A minimum redemption and a maximum of 1 million points redemption applies per day. 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 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. A minimum redemption of 2,500 Awards points applies. The redemption of Awards points for travel at Flight Centre Limited is subject to terms and conditions of the Commonwealth Awards program available at as well as booking agency online and retail booking terms and conditions.

# For cash advances, the relevant cash advance charge will apply.