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Changes to points earned on American Express® cards

These changes are our response to new regulations that apply to credit cards. Here’s a summary of the points you can earn from the start date of your July 2017 statement period.

Awards credit card

Awards

When using your American Express card you'll:

  • Continue to earn 1.5 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else.
awards

No change to points earned on your Mastercard® or Visa card so you'll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.
awards

Your annual points cap is also changing if you're opted in to earn Qantas points - refer to the CommBank Awards Program terms and conditions.

Gold awards credit card

Gold Awards

When using your American Express card you'll:

  • Continue to earn 2 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else.
awards

No change to points earned on your Mastercard or Visa card so you'll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.
awards

Your annual points cap is also changing - refer to the CommBank Awards Program terms and conditions.

Platinum awards credit card

Platinum Awards

When using your American Express card you'll:

  • Continue to earn 2.5 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else
  • Pay no international transaction fees on overseas purchases - in store and online.
awards

No change to points earned on your Mastercard or Visa card so you'll:

  • Continue to earn 1 point per $1 spent on all eligible purchases.
awards

Your annual points cap is also changing - refer to the CommBank Awards Program terms and conditions.

Diamond awards credit card

Diamond Awards

When using your American Express card you'll:

  • Continue to earn 3 points per $1 spent overseas (in store and online) and at supermarkets, petrol stations, and department stores in Australia1
  • Now earn 0.5 points per $1 spent everywhere else
  • Pay no international transaction fees on overseas purchases - in store and online.
awards

No change to points earned on your Mastercard or Visa card so you'll:

  • Continue to earn 1.25 points per $1 spent on all eligible purchases.

Where can I shop using my American Express card?

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

Make the most of your CommBank Awards experience

We’re here to help you make the most of Australia’s largest credit cards rewards program2. You can keep building up your points balance, then redeem for over 1,000 items in the Awards program.

No international transaction fees

No international transaction fees

From 1 July, Platinum and Diamond Awards customers will pay no international transaction fees on overseas purchases made with your American Express card - in store and online.

International travel insurance included

International travel insurance included

Gold, Platinum and Diamond Awards customers receive comprehensive cover for you, your spouse and dependent children3. Activate your cover before each trip via the CommBank app or NetBank.

Pay with points at Myer

Pay with points at Myer

Treat yourself by redeeming your Awards points at any Myer4 store across Australia.

Turn your points into travel

Turn your points into travel

Redeem your Awards points for flights, hotels, holiday packages, cruises and more, when you book your next trip with Flight Centre5.

Mastercard accepted at 43 million locations

Mastercard accepted at 43 million locations

Your Mastercard is accepted at over 43 million locations worldwide, making it even easier to earn more points6.

Extra control with Lock, Block, Limit

Extra control with Lock, Block, Limit®

Lock international payments7 when you’re not shopping or travelling overseas, then unlock when you need.

Discover Connect by American Express

Discover Connect by American Express

Enjoy access to great offers, pre-sale tickets, shopping, travel and dining benefits.

 

Earn more points with our Bonus partners

Earn more points with our Bonus partners

Earn bonus points for every $1 spent on your Awards card at any of our Bonus partners. Enjoy rewards sooner, as your bonus points aren't capped.

Things you should know

Points are earned on eligible transactions and are subject to points capping. For full terms and conditions, please refer to the CommBank Awards Program 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.
2 Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017.
3 If you don’t activate you’ll receive Base cover which includes personal liability cover and overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses apply. Insurance is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) (ABN 52 097 227 177, AFSL No.245631) on behalf of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL No. 234708) for Commonwealth Bank of Australia.
4 Available in-store at Myer only. Ask a Myer team member in-store to find out the redeemable value of your points. A minimum and maximum points redemption applies. Awards points cannot be returned to your account. A Myer Returns Card for the dollar value of the amount you have paid for with points will be provided to you. Myer in its sole discretion may refuse the use of Awards points. Awards points cannot be redeemed for cash or any other offer, used at Myer towards payment of Myer Store or Myer Visa card accounts, lay-by accounts; purchase of ‘Coles Group and Myer’ Gift Cards and purchases at some food and service outlets. Other exclusions may apply from time to time and will be available at myer.com.au
5 Minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability as well as booking agency online and retail booking terms and conditions. Flight Centre Limited (ABN 25003 377 188) trading as Flight Centre, Escape Travel, Student Flights, Travel Associates & Cruiseabout. Lic No. QLD TAG262, NSW 2TA2719, ACT 18800224, VIC 31089, TAS TAS031, SA TTA254, WA 97A 589, NT 008.  
6 The Nilson Report, Issue 1095 September 2016. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.
7 Lock, Block, Limit excludes transactions flagged as recurring (e.g. direct debits), not sent to us for authorisation, or made via Tap & Pay set up on a compatible smartphone or via a PayTag. Other conditions apply.

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. Commonwealth Bank of Australia Ltd ABN 48 123 123 124. Australian credit licence 234945.