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

AWARDS CREDIT CARD

Awards credit card

Reward your everyday spend. Redeem points instantly± at Myer, Flight Centre or choose an item from over 1,000 items with the CommBank Awards Program.

Rates and fees

$59 Annual fee
20.24% p.a. Purchase interest rate
21.24% p.a. Cash advance interest rate

Features

  • Earn up to 1.5 Awards points for every dollar spent^
  • Access the largest rewards program of any bank in Australia*
  • Up to 55 days interest free on purchases

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

About the Awards credit card

Awards Program

Earn points

  • Up to 1.5 Awards points^ for every dollar spent on your CommBank Awards American Express® Card
  • 1 Awards point^ for every dollar spent on your CommBank Awards MasterCard® accepted at over 35 million location worldwide
  • Earn up to 50,000 points a year. Learn more
  • Earn bonus Awards points when you make purchases with your credit card at one of our Bonus Partners

Features and benefits

  • Up to 55 days interest free on purchases
  • MasterCard® PayPass™ is the faster way to pay for purchases under $100. Just Tap & Go™
  • Optional CreditCard Plus insurance
  • Transactions updated instantly1 – so you’ll always know where you stand
  • Location mapping – so you can track where you made your transactions
  • Control your security and spending – instantly lock international payments, block ATM cash advances and limit your spending through the CommBank app or on NetBank.

Awards video

Video

Find out how you can earn amazing rewards for your everyday spend. 

Watch video
  • Minimum credit limit of $500
  • Get an additional credit card for $10 a year. Apply now
  • Stay in control with alerts and payment reminders#
  • Accepted at over 35 million locations worldwide
  • 24/7 emergency assistance overseas if you lose your card
  • Connect to amazing offers with your CommBank American Express Card. Register now at Amexconnect.com.au/CBA
  • Access to a unique collection of entertainment experiences and offers exclusively for MasterCard cardholders through Priceless Sydney and MasterCard Privileges

Security

  • Our 100% money back guarantee means you’ll never be liable for fraudulent use of your credit card, provided you follow the Credit Cards Conditions of Use
  • 24-hour fraud protection detects any abnormal transactions or spending patterns
  • Secure internet shopping with NetCode
  • Enhanced security chip protection
  • MasterCard® Zero Liability gives you the peace of mind of free protection against fraud and other unauthorised transactions made with your card
  • Control your security and spending – instantly lock international payments, block ATM cash advances and limit your spending through the CommBank app or on NetBank.

Rates and fees

Interest rate

20.24% p.a. on purchases
21.24% p.a. on cash advances

Interest-free period

Up to 55 days interest free on purchases

Balance transfer rate

Pay a low 5.99% p.a. in interest for the first 5 months on the balance you bring across. Cash advance rate thereafter.

Annual fee

$59

Additional cardholder fee

$10 p.a.

Cash advances

  • Commonwealth Bank over the counter3: $2.50 or 2.00% of the transaction amount (whichever is greater).4
  • ATM5: $2.50 or 2.00% of the transaction amount (whichever is greater).4
  • Any other Commonwealth Bank network6: $2.50 or 2.00% of the transaction amount (whichever is greater).4
  • Non-Commonwealth Bank over the counter7: $2.50 or 2.00% of the transaction amount (whichever is greater).4
  • Overseas terminal or bank: $2.50 or 2.00% of the transaction amount (whichever is greater).4
  • Cash equivalent items or cash substitutes: $2.50 or 2.00% of the transaction amount (whichever is greater).8

Lock, block and limit your card

  • Instantly lock, block and limit your credit card for extra control through the CommBank app or NetBank.
  • Lock in-store international payments – so that no one can use your card in store overseas,
  • Lock online international payments – to prevent anyone using your card to make purchases on international websites,
  • Block ATM cash advances – so nobody can use your credit card to take out money except you,
  • Limit your spending – by setting a maximum amount per transaction.
  • The settings you activate will apply instantly and you can switch these settings on and off whenever you need to.9

Our Awards Program

Awards Program

CommBank offers the largest rewards program of any bank in Australia*, with no expiry on points. Earn points quickly when you use your CommBank Awards credit card for daily spending. Redeem exclusively in-store at Myer and Flight Centre or choose from over 1,000 Award 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 cash back
  • Enjoy the exclusive opportunity to redeem points in-store at any Myer or Flight Centre

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.

You can now view and redeem your CommBank Awards points through 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

Rewarding yourself faster is now even easier with the CommBank Awards program.

American Express

MasterCard®

Awards

up to 1.5^

up to 1^

For an annual fee of $30, you can choose to redeem for Qantas Frequent Flyer points instead of Awards points.2

1 Qantas point = 2.5 CommBank Award points

  • Earn bonus Awards points when you make purchases with any of our Bonus Partners
  • Look out for special offers throughout the year to give you even more value from your Awards points

Learn more

Redeeming points

Earning Awards points might be easy, but with over a thousand 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 at Myer for purchases when you present your Awards credit card
  • Redeem Awards points for travel with no blackout dates at Flight Centre – choose any seat, any airline, any destination at any time. Just visit any store, call 1300 165 033 or visit Flight Centre online via the Awards website
  • 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 customers can exclusively use their Awards points in-store at Myer and Flight Centre to pay for purchases and travel. Click on the links below to find out more:

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.

Points Balance

As your CommBank Awards points accumulate, you will most likely want to know how many points you have and what you can spend them on.  Now, here’s how you can:

View your CommBank Awards points balance through the CommBank app.

Simply log on to the CommBank App, tap on the Cards icon, and then tap on the Awards link below your CommBank Awards card.

Here’s where the Awards link is located in the CommBank app.

View your CommBank Awards points balance
Awards icon

Are you an existing NetBank customer?

All you have to do is access the Awards website by clicking the Awards icon  next to your credit card details.  Here is an example of NetBank and where the Awards icon is located. 

My portfolio

Not got NetBank? 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 your Awards program.

Find out your balance in-store

With our exclusive POS partners, Myer and Flight Centre you can now find out your CommBank Awards points balance instantly and go on to pay with points at the till.

Call us

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

Travel

  • Redeeming Awards points for travel is simple with Flight Centre.  There are no blackout dates – choose any seat, any airline, any destination at any time. 
  • Redeem Awards points in over 1000 Flight Centre stores, by calling 1300 165 033 or by visiting the CommBank Awards website through NetBank or through the CommBank app
  • You can also redeem Awards points at Escape Travel, Student Flights, Travel Associates and Cruiseabout
  • Use Awards points to book flights, hotels, car hire, cruises and holiday packages
  • Not enough points? Top up with Points Plus Pay – use the Awards points you have plus extra cash from your credit card to make up the difference.

Learn more

How to redeem your Awards points at Flight Centre

  • Present your Awards credit card at a Flight Centre store
  • Call 1300 165 033 and ask to pay with CommBank Awards points
  • Purchase international and domestic flights and domestic accommodation online by accessing the Awards website. Click on the Awards icon next to your credit card details in NetBank
  • To access the Awards website through the CommBank app, log on, tap on the Cards icon, and then tap on the Awards link below your Awards card.

Learn more

Learn more about other travel programs with our travel partners. Simply click on the logos below.

Related products

Gold Awards credit card

Earn up to two Awards points^ for every dollar you spend, plus other benefits like international travel insurance included with your credit card.

Learn more

Platinum Awards credit card

Earn up to 2.5 Awards points^† for every dollar you spend and enjoy a host of other benefits from the CommBank Awards Program.

Learn more

Diamond Awards credit card

Earn up to a million Awards points^ a year from the CommBank Awards Program.

Learn more

Things you should know:

CommBank Credit Card Conditions of Use

~The $0 annual fee for the first year offer applies to new personal Low Rate, Low Rate Gold, Awards, Gold Awards, Platinum Awards, Diamond Awards, Interest Free Days Business, (personal liability), Business Awards (personal liability), Business Gold Awards (personal liability) and Business Platinum Awards (personal liability) credit cards applied for online only between 1 July 2016 and 15 September 2016. This offer excludes Corporate and Business Liability cards, upgrades and switches from other card types and existing credit cards. Offer is available once per customer, can be withdrawn at any time at the discretion of the Bank and cannot be used in conjunction with any other offer. After the first year, the then current standard annual fee applicable to your card type will apply. Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer.  Fees and charges apply.

* Source: Roy Morgan Research September 2014. Based on number of customers with rewards or loyalty cards.

^ Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers).

Effective from 1st October 2013. Prior to this date, CommBank Platinum American Express cardholders can earn 3 points per dollar spent.

± Myer: 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. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Flight Centre: 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.

# Subscription to this service may be limited

1 Excludes manual transactions and some contactless payments

2 To opt-in to Qantas Frequent Flyer Direct, call 13 1661. There is a $30 annual fee charged for opting in. The earning and redemption of Commonwealth (CommBank) Awards points are subject to the Terms and Conditions of the CommBank Awards Program available at commbank.com.au. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office unless made using a Business Awards card, or balance transfers) and are subject to points capping - see commbank.com.au/creditcardstc for more information.  Customers must be opted in to Qantas Frequent Flyer Direct to earn Qantas Points. 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.

3 Charge applies to cash advances at Commonwealth Bank branches

4 A maximum charge of $150.00 applies (or a flat fee of $2.50 applies if your closing balance on previous business day was in credit)

5 Charge applies to cash advances through a terminal of any financial institution in Australia, at ASB Bank in New Zealand, Commonwealth Bank in Indonesia and Commonwealth Bank in Vietnam.

6 A maximum charge of $150.00 applies (or a flat fee of $2.50 applies if your closing balance on previous business day was in credit).

7 Fee applies to cash advance transactions made at other financial institutions within Australia.

8 Charge applies to purchases of cash equivalent items or cash substitutes including gambling transactions or traveller’s cheques.

9 Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply.

Note: For cash advances and balance enquiries made through a non-Commonwealth Bank ATM in Australia, the ATM owner may charge you a fee, which will be disclosed at the time of the transaction. If you proceed with the transaction, the ATM owner’s fee will be debited to your account (in addition to the cash advance amount) if applicable. You should check the ATM owner’s fees that apply carefully before completing.

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. Please view our Credit Card Conditions of Use.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass and Tap & Go are trademarks of MasterCard International Incorporated.

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