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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^ – for example 1 point for $1 spent. Each Awards card earns points at different rates.

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 accelerate your points earning per $1 spent – from up to 1.5^ points with a CommBank Awards card to up to 3 points^ with a Diamond Awards card plus Mastercard is accepted at over 38 million locations worldwide.

Shopping with our bonus partners earns 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. Simply 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. There are no blackout dates – choose any seat, any airline, any destination at any time.

Don’t have enough points to cover your purchase? At Myer and Flight Centre you can part-pay with points and put the rest on your CommBank Awards card as usual.  

You can also redeem points online 24/7 for items in our awards brochure including charitable donations or as cash credited straight back onto your credit card.

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.

Gold, Platinum and Diamond Awards Cards offer you even more benefits. Additional privileges 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 take advantage of the 24/7 personal concierge service to arrange personal assistance such as restaurant, event and theatre recommendations and bookings.

Find out more about the CommBank Awards program.

For tips on managing and making the most of your credit card, click here.

Important information

* 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. From 1/7/17, you'll earn maximum points per $1 spent when you use your American Express card for eligible transactions overseas and at supermarkets, department stores and petrol stations in Australia; 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."

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