Our Awards cards  

Earn points1 quickly when you use your CommBank Awards credit card for daily spending.

Trade-offs

  • The Ultimate Awards credit card has a higher monthly fee when compared to other Awards products. For the Smart Awards and Ultimate Awards credit cards the fee is waived if spend criteria is met
  • Higher interest rates on purchases compared to our Low Rate and Low Fee credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • International transaction fees apply on Awards credit card

Front view of an Awards credit card with visible CommBank and Mastercard logos
  • Earn 1 Awards point per $1 spent on eligible purchases, up to and including $2,000 in a statement period1. After spending $2,000, the Awards point earn rate is 0.5 Awards points per $1 spent
  • Earn unlimited Awards points per year
  • Monthly fee: $8 per month
  • 20.99% p.a. purchase interest rate
  • Minimum credit limit of $500
  • Up to 55 days (effective 1 May 2024, this will change to up to 44 days interest free on purchases)
  • Pay no additional cardholder fee

More on Awards credit card

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Front view of a Smart Awards credit card with visible CommBank and Mastercard logos
  • Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent up to and including $5,000 in a statement period on eligible purchases1
  • Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Bonus Points or 400 Qantas Points1
  • No monthly fee2 if you spend at least $2,000 during your statement period. Otherwise the monthly fee is $19
  • Earn unlimited Awards Points or Qantas Points each year
  • Choose to earn CommBank Awards points or opt-in to earn Qantas Points for $60 per year3
  • Pay no international transaction fees for purchases you make overseas or online4
  • Access to international travel insurance when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel5
  • Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard Travel Pass provided by DragonPass with your Smart Awards credit card6
  • Pay no additional cardholder fee
  • Up to 55 days (effective 1 May 2024, this will change to up to 44 days interest free on purchases)
  • Priceless.com offers and experiences
  • 20.99% p.a. purchase interest rate
  • Minimum credit limit of $3,000

More on Smart Awards credit card

Offers

Current offer

Earn up to 75,000 CommBank Awards points or up to 30,000 Qantas Points.

Earn 25,000 CommBank Awards points or 10,000 Qantas Points each month when you spend $1,500 or more per month for the first three months. Offer commenced 1 March 2024. Terms and conditions apply.*

CommBank Yello offer

Earn up to 90,000 CommBank Awards points or up to 45,000 Qantas Points.

Earn 30,000 CommBank Awards points or 15,000 Qantas Points each month when you spend $1,500 or more per month for the first three months. Offer commenced 1 March 2024 and is only available to customers who are in a CommBank Yello tier when applying for the credit card. Terms and conditions apply.*

 

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Front view of an Ultimate Awards credit card with visible CommBank and Mastercard logos
  • Earn up to 3 Awards points per $1 spent on eligible purchases, up to and including $10,000 in a statement period1
  • No monthly fee if you spend at least $4,000 in your statement period2
  • Up to 55 days (effective 1 May 2024, this will change to up to 44 days interest free on purchases)
  • No international transaction fees4
  • Access to international travel insurance when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel5
  • Earn unlimited Awards points each year
  • Enjoy two complimentary airport lounge passes each calendar year with Mastercard Travel Pass provided by DragonPass to over 1,300 airport lounges worldwide and up-to-date travel information6
  • Enjoy cashback offers at participating merchants when you travel overseas with Mastercard Travel Rewards7
  • 20.99% p.a. purchase interest rate
  • Minimum credit limit of $6,000

More on Ultimate Awards credit card

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Need help finding the right card for you?

CommBank Awards program

CommBank offers the largest rewards program of any bank in Australia based on number of cardholders8

  • Earn Bonus Points when you make purchases with your credit card at one of our bonus partners
  • No expiry on points earned
  • Redeem exclusively instore or online at Myer and Flight Centre, or choose from over 1,000 items on the Awards site - including Gift Cards, electronics, appliances, cash back and much more
  • Use NetBank or the CommBank app to check or redeem points

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Looking for a Business credit card?

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Things you should know

  • * Offers commenced 1 March 2024. The 90,000 CommBank Awards points (30,000 points per month for 3 months) or 45,000 Qantas Points (15,000 points per month for 3 months) maximum points offer is only available to customers who are in a CommBank Yello tier (Everyday, Everyday Plus or Homeowner) when they apply for a new Smart Awards credit card. The 75,000 CommBank Awards points (25,000 points per month for 3 months) or 30,000 Qantas Points (10,000 points per month for 3 months) maximum points offer is available for non-CommBank Yello customers. The offer you receive will be the offer you retain for the 3 month period, regardless of whether your eligibility for CommBank Yello changes.

    To be eligible for CommBank Yello you must meet the minimum eligibility criteria as set out in the CommBank Yello Terms and Conditions available at commbank.com.au/commbankyellotcs. Eligibility for CommBank Yello is typically assessed in the first week of each month. For more information about CommBank Yello and how to check your eligibility status, please visit commbank.com.au/commbankyello.

    Offers not available to customers who currently hold, or have held, any activated Awards card types in the 12 months prior as a primary cardholder or customers who switch from other card types. You will be ineligible for the bonus CommBank Awards or Qantas Points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

    The monthly spend criteria is based on three successive 30 day periods and the monthly CommBank Awards points or the monthly Qantas Points will be awarded when you spend $1,500 or more, minus any cash advances or refunds, in a month for the first three months. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the spend criteria each month.

    To be awarded the bonus Qantas Points, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. If you opt-in to Qantas Points in your credit card application, or after applying but before you meet each offer eligibility criteria, you will receive the monthly Qantas Points in place of CommBank Awards each month. Points are initially accrued as Awards points in the CommBank Awards Program and will be automatically converted, at the end of the next Statement Period, into Qantas Points and transferred to your Qantas Frequent Flyer account after meeting the eligibility criteria. If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the spend eligibility criteria, you will receive the monthly CommBank Awards points each month.

    The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

    Offer only available on one credit card per customer. We reserve the right to close or vary this offer at any time.

    1 How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). The number of points you can earn may be capped. Awards and the number of points required for Awards are subject to change at any time without notice.

    a) How Awards points work:

    Earn 1 Awards point for every $1 spent on eligible purchases, up to and including $2,000 in statement period. Once you have spent $2,000 in any given statement period, you will earn 0.5 Awards points for every $1 you spend on any other purchases within that period.

    You will not be able to opt-in to earn Qantas Points.

    b) How Smart Awards points work:

    Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and water only). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

    Earn up to 1 Awards point or 0.4 Qantas Points for every $1 spent on all other purchases.

    Once you have spent $5,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period

    Points Boost

    Earn up to 2 Bonus Points per $1 spent on your highest eligible transaction (not exceeding $500) made in a statement period up to 1,000 Bonus Points. Points Boosts will be applied at the end of each statement period (in some instances, purchases at the end of the statement period may be allocated to the next statement period and may be identified as the highest Eligible Purchase for that statement period). They will appear on your credit card statement under the ‘Awards Transactions’ section.

    c) How Ultimate Awards points work: 

    Earn up to 3 Awards points or 1.2 Qantas Points per $1 spent on international transactions. International transactions include any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas.

    Earn up to 2 Awards points or 0.8 Qantas Points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and water only). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

    Earn up to 1 Awards point or 0.4 Qantas Points per $1 spent on all other purchases.

    Once you have spent $10,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period.

    For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

    For Ultimate Awards credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). 

    3 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, you can join here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

    Opt-in to earn Qantas Points is $60 per year.

    This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees.

    Once CommBank Awards points have been redeemed for Qantas Points, they cannot be converted back to the CommBank Awards points program.

    4 Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply.

    5 International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period when you spend at least $500 on a single prepaid travel transaction using your eligible credit card account. You will need to activate your travel insurance for each trip in order to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), benefit limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. More information can be found at commbank.com.au/travelinsuranceincluded.​

    6 To gain access to participating airport lounges, you must register your Smart Awards and Ultimate Awards credit card on the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com, generate a membership QR code and present this along with your boarding pass for validation. Ultimate Awards customers receive two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Smart Awards customers will pay a fee. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass.

    7 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart Awards and Ultimate Awards Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. Cashbacks may take up to 30 days to appear on your statement. Visit Mastercard Travel Rewards for a list of participating merchants and to find out more.

    8 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.

    Applications for credit cards are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

    Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.

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

    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.