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Gold Awards credit card

Apply Now: Up to $200 Cash Back with all new CommBank credit cards°.

Earn up to 2 Awards points^ for every dollar you spend, plus other benefits like complimentary insurances.

  • Earn up to 2 Awards points for every dollar spent^
  • Complimentary Insurances
  • Up to 55 days interest free on purchases

How to apply

Apply online and get a response in 60 seconds.

About the Gold Awards credit card

Awards Program

  • Up to 2 Awards points^ for every dollar spent on your CommBank Gold Awards American Express® Card
  • Up to 1 Awards point^ for every dollar spent on your CommBank Gold Awards MasterCard® accepted at over 35 million location worldwide
  • Earn up to 125,000 points^ a year
  • 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
  • Complimentary international travel insurance (Eligibility and coverage)
  • MasterCard® PayPass™ is the faster way to pay for purchases under $100.  Just Tap & Go™
  • Travel Money Card – $0 issue fee9
  • Extended warranty insurance – most purchases will gain up to one extra year’s warranty on top of the manufacturer’s Australian warranty.
  • Purchase security insurance – we’ll repair or replace most purchases if lost, stolen or damaged within 90 days
  • Optional CreditCard Plus insurance
  • Instant transaction updates# – so you’ll always know where you stand
  • Location mapping - so you can track where you made your transactions  

Awards Video


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

Watch video
  • Enjoy a discount off your annual fee – receive a discount of $30 off your annual fee if you have a qualifying CommBank account or loan when you apply
  • Minimum credit limit of $4,000
  • Get an additional credit card for $15 a year. Apply now
  • Stay in control with alerts and payment reminders1
  • Use your MasterCard at over 35 million locations worldwide
  • 24/7 emergency assistance overseas if you lose your card
  • Access to a unique collection of entertainment experiences and offers exclusively for MasterCard cardholders through Priceless Sydney
  • Connect to amazing offers with your CommBank American Express Card. Register now at


  • 100% money back guarantee so you’ll never be liable for fraudulent use of your credit card, provided you follow the Credit Cards Conditions of Use (PDF 247KB)
  • 24-hour fraud protection detects 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

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 thereafter1

Annual fee

Currently $144 (or $114 if you’re a qualifying customer)

Additional cardholder fee

$15 p.a.

Cash advances

  • Commonwealth Bank Over the Counter$2.50 or 1.75% (whichever is greater).7
  • ATM4: 1.75% of the cash advance amount.7
  • Any other Commonwealth Bank network5: 1.75% of the cash advance amount.7
  • Non-Commonwealth Bank Over the Counter6: $3.00 or 1.75% of the cash advance amount (whichever is greater).7
  • Overseas terminal or bank: $4.00 or 1.75% of the cash advance amount (whichever is greater).7
  • Cash equivalent items or cash substitutes: 1.75% of the cash advance amount.8

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.

Earning points

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

American Express


Gold Awards

Up to 2^

Up to 1^

For an annual fee of $10, you can choose to earn Qantas Frequent Flyer points instead of Awards points.**

American Express


Gold Awards

Up to 0.8 point^†

Up to 0.4 points^†

  • See how many points you could earn on your CommBank Awards American Express  Card or CommBank Awards MasterCard
  • Preview items you could redeem

Learn more

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. 

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. Here’s how to do that:

Are you an existing NetBank customer?

All you have to do is access the Awards website by clicking the Awards icon (shown here) next to your credit card details. Here's an example where the Awards icon is located in NetBank.

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).


  • 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
  • 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
  • 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.

Learn more

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

Related products

Awards credit card

Reward your everyday spend. Redeem points instantly at Myer, Flight Centre or choose an item from the CommBank Awards Program.

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

How can we help you?

Important information

*Source: Roy Morgan Research March 2013. Based on number of customers with rewards or loyalty cards.

^ Points are earned on eligible transactions (most purchases, but not cash advances, balance transfers or BPAY® transactions) and are subject to points capping – refer to the Commonwealth Awards Programs Terms and Conditions for all the information.  

# Excludes manual transactions and some contactless payments

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

† Effective from 1st October 2013. Prior to that date, for each $1 spent on a CommBank Gold Awards American Express Card  you can earn 1.0 QFF points or 0.5 QFF points on a CommBank Gold Awards MasterCard.

** To opt-in to Qantas Frequent Flyer Direct, call 13 1661. There is a $10 annual fee charged for opting in. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Frequent Flyer points. A joining fee applies. Membership and redemption of Qantas Frequent Flyer points are subject to the terms and conditions of the Qantas Frequent Flyer Program, which can be found at Once CommBank Awards points have been redeemed for Qantas Frequent Flyer points, they are governed by the terms and conditions of the Qantas Frequent Flyer Program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program. It is important to note that any CommBank Awards points earned prior to the date of opt-in cannot be transferred to your Qantas Frequent Flyer account. Exclusions, points caps and limitations apply. Qantas Frequent Flyer Points accrue in accordance with and are subject to the CommBank Awards Program Terms and Conditions.

1. Subscription to this service may be limited

3. Charge applies to cash advances at Commonwealth Bank branches.

4. 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.

5. Charge applies to cash advances by way of funds transfer through NetBank, PhoneBank Transfer, Commonwealth Bank Customer Service Centre, Australia Post, 13 2221 Transfer Cash, NetBank Transfer Home Loan, Mobile Bank Transfer and NetBank Transfer Personal Loan.

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

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

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

9. Refer to Travel Money Card Conditions of Use and Product Disclosure Statement for more information

° Offer only applies to new personal credit card applications applied for online during the campaign period. Offer is available for a limited time and can be withdrawn at any time at the discretion of the Bank. Excludes Corporate credit cards, Business credit cards and existing credit card accounts. Cannot be used in conjunction with any other offer. To be eligible for cashback, you need to apply online during the campaign period and spend a minimum $100 of eligible purchases on your new CBA credit card at participating partner merchant locations by 31st May 2014. Cashback will be provided in the form of a $50 giftcard for redemption at each partner merchant where eligible purchases have been made.

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.