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Awards cards

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PLATINUM AWARDS CREDIT CARD

Platinum awards credit card
  • Zero international transaction fees on overseas purchases made in-store and online using your CommBank Platinum Awards American Express card. For cash advances, the cash advance fee will apply.
  • Earn up to 2.5 Awards points for every dollar you spend using your linked American Express card overseas and at supermarkets, department stores and petrol stations in Australia^
  • Earn 0.5 points per dollar spent using your American Express card everywhere else
  • Earn 1 point per dollar spent using your Mastercard
  • International travel insurance included when you activate your cover in NetBank
Tell me more

How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

DIAMOND AWARDS CREDIT CARD

Diamon awards credit card
  • Zero international transaction fees on overseas purchases made in-store and online using your CommBank Diamond American Express card. For cash advances, the cash advance fee will apply.
  • Earn up to 3 Awards points for every dollar you spend using your American Express card overseas and at supermarkets, department stores and petrol stations in Australia^
  • Earn 0.5 points per dollar spent using your American Express card everywhere else
  • Earn 1.25 point per dollar spent using your Mastercard
  • International travel insurance included when you activate your cover in NetBank
  • Redeem points for almost anything†
Tell me more

How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

AWARDS CREDIT CARD

Awards credit cards
  • Earn up to 1.5 Awards points for every dollar you spend using your linked American Express card overseas and at supermarkets, department stores and petrol stations in Australia^
  • Earn 0.5 points per dollar spent using your American Express card everywhere else
  • Earn 1 point per dollar spent using your Mastercard
  • Access the largest rewards program of any bank in Australia*
  • Up to 55 days interest free on purchases
Tell me more

How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

GOLD AWARDS CREDIT CARD

Gold awards credit card
  • Earn up to 2 Awards points for every dollar you spend using your American Express card overseas and at supermarkets, department stores and petrol stations in Australia^
  • Earn 0.5 points per dollar spent using your American Express card everywhere else
  • Earn 1 point per dollar spent using your Mastercard
  • International travel insurance included when you activate your cover in NetBank
  • Up to 55 days interest free on purchases
Tell me more

How to apply

Apply online and get a response in 60 seconds.

or

Already a customer banking online with us?

Save time by using your NetBank details.

Apply in NetBank

New customer or don't bank online with us?

Apply online

or

Our Awards Program

Overview

CommBank offers the largest rewards program of any bank in Australia* with no expiry on points. Earn points when using your CommBank Awards credit card for daily spending and redeem in-store at Myer and Flight Centre or choose from over 1,000 Awards items.

  • Your CommBank Awards credit card gives you automatic access to the Awards program
  • Earn points on everyday credit card purchases
  • Redeem points for items, travel, gift cards or cashback
  • Redeem points in-store at Myer or Flight Centre

If you don’t have enough points for the reward you’re after, you can use Points Plus Pay. This lets you use the Awards points you have now, plus your credit card to make up the difference.

See and redeem your CommBank Awards points from the CommBank app. It’s never been easier.

Just follow these 3 simple steps once you have the CommBank app:

Open the CommBank app

Open the CommBank app and tap on the cards icon located in the middle of the bottom row.

Log on for security

If you haven’t logged in yet, you’ll be asked to log on for security.

Tap on the Awards link

Tap on the Awards link below your CommBank Awards card.

Earning points

American Express overseas and at supermarkets, department stores and petrol stations in Australia^

Mastercard®

Awards

up to 1.5^

up to 1^

Gold Awards

up to 2^

up to 1^

Platinum Awards

up to 2.5^

up to 1^

Diamond Awards

up to 3^

up to 1.25^

  • Earn bonus Awards points when you make a purchase with any of our Bonus Partners
  • Look out for special offers during the year to get even more value from your Awards points.

For an annual fee of $30, you can choose to automatically convert your CommBank Awards points into Qantas Frequent Flyer points.**

1 Qantas point = 2.5 CommBank Award points

Redeeming points

Earning Awards points might be easy, but with over 1,000 amazing rewards on offer, deciding exactly what to redeem them for can be a little harder.

  • Pay with CommBank Awards points at Myer – redeem your Awards points instantly in-store for purchases when you present your Awards credit card
  • Redeem Awards points for travel at Flight Centre – choose your  seat, any airline, and any destination at any time. Visit any store, go to Flight Centre online from the CommBank Awards website or call 1300 165 033
  • See our latest Awards Guide for a sample of the great rewards available
  • Redeem your CommBank Awards points for cash, credited straight into your credit card account so you can treat yourself to whatever you like 

Pay with Points In-Store

CommBank Awards have achieved some Australian firsts, delivering you exclusive ways to pay with points. You can now use your Awards points in-store at Myer and Flight Centre to pay for purchases. 

Not enough points for the reward you want? No problem. Just use Points Plus Pay, which means you can use the Awards points you have now and pay the remainder on your CommBank Awards credit card.

Learn how to pay with points at Myer.

Learn how to pay with points at Flight Centre.

Points balance

As your CommBank Awards points balance grows, you can keep an eye on it from NetBank or the CommBank app.:

See your points balance from the CommBank app.

Open the CommBank app, tap Cards, and then tap the Awards link below your CommBank Awards credit card.

View your CommBank Awards points balance
Awards points

See your points balance from NetBank

Log on to NetBank and select the Awards icon next to your credit card details. 

My portfolio

Not a NetBank customer? Sign up now

If you’re not registered for NetBank, sign up now for free. It’s the quick and easy way to look at your finances and have immediate access to the Awards program.

Check your balance in-store

With our exclusive partners, Myer and Flight Centre, you can find out your CommBank Awards points balance instantly and pay with points at the till. You can also use Points Plus Pay if you don't quite have enough points for your purchase.

Call us

You can call us on 13 1661, 8am and 8pm, Monday to Friday (Sydney/Melbourne time).

Travel

You can redeem your CommBank Awards points for travel with Flight Centre or any of our other travel programs.

Learn more

Redeeming Awards points for travel is simple with Flight Centre – choose your seat, any airline, and any destination at any time:

  • Redeem Awards points instantly at over 1,000 Flight Centre stores, by going to the CommBank Awards website from NetBank or through the CommBank app or by calling 1300 165 033
  • Use Awards points to book flights, hotels, car hire, cruises and holiday packages
  • You can also redeem Awards points at Escape Travel, Student Flights, Travel Associates and Cruiseabout
  • If you don’t have enough points, you can use Points Plus Pay. This lets you use the Awards points you have now, then use your credit card to make up the difference
Learn more

You can either:

  • Purchase international or domestic flights, or domestic accommodation from the Awards website. To get there, select the Awards icon next to your credit card details in NetBank or tap the Awards link below your CommBank Awards Credit Card in the CommBank app.
  • Present your Awards credit card at a Flight Centre store
  • Call 1300 165 033 and ask to pay with CommBank Awards points
Tell me more

To find out more about other travel programs with our travel partners, select their logos below.

American Express

Here are some of the supermarkets, petrol stations and department stores in Australia1 where you can earn the maximum number of points 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

Things you should know

Applications for finance are subject to the Bank's normal credit approval. Full conditions of use will be included in our Letter of Offer. Fees and charges apply.

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

~ Lock, Block, Limit does not apply to transactions that are flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Except for the spending cap, transactions made via Tap & Pay set up on a compatible smartphone or via a PayTag are not blocked. Some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, and assisted cash withdrawals are also excluded. Other conditions apply.

^ 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 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; 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.

^^ For cash advances, the cash advance fee will apply.

** Customers must be opted in to Qantas Frequent Flyer Direct to earn 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 qantas.com/terms or by calling 13 11 31.

# Velocity Frequent Flyer (Velocity) is the loyalty program of the Virgin Australia Group. You must be a member of Velocity to redeem your CommBank Awards points for Velocity Points. Points transferred to Velocity and membership of Velocity is subject to the Velocity Membership Terms and Conditions, available at velocityrewards.com.au, as amended from time to time. A minimum of 3,600 CommBank Awards points must be redeemed for Velocity Points. Once CommBank Awards points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms and Conditions and cannot be reversed. Velocity is owned and operated by Velocity Rewards Pty Ltd as trustee of The Loyalty Trust.

† For full terms and conditions of Redeem for Anything Service refer to Your Concierge service Terms and Conditions. Fees and charges may apply.

∞ For full terms and conditions please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet.

± 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 myer.com.au. 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 commbank.com.au as well as booking agency online and retail booking 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.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Tap & go is a trademark of Mastercard International Incorporated

American Express is a trademark of American Express. The Commonwealth Bank American Express Cards are issued and administered by Commonwealth Bank of Australia pursuant to a license from American Express.