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Earn more points with Contactless on your
CommBank Awards American Express® Card

How do I use a chip card?
For purchases over $100 you can use contactless however you will need to enter your PIN. If you prefer another method your card is chip enabled meaning that you will be asked to insert your card into the terminal. Your card then remains in the terminal during the transaction and you will be asked to enter your PIN to authorise the transaction. 

Do CommBank American Express Card transactions qualify me for my Gold Awards or Platinum Awards complimentary insurances?
Transactions on your CommBank American Express Card are treated in exactly the same way as MasterCard® or Visa transactions for the purposes of eligibility for all of your complimentary insurances.

Why do I need two cards?
Enjoy the benefits of two cards with the simplicity and convenience of one account. The CommBank Awards American Express Card gives you the ability to earn more points per $1 spent. Whilst your CommBank MasterCard or Visa lets you earn points with a card that is conveniently accepted at millions of locations worldwide.

Managing two cards on the one account is easy. Both cards have the same interest rate and one credit limit and balance, plus you’ll receive a single monthly statement and pay one annual fee for your two cards.

Will I have the same credit limit for both cards?
Yes, you’ll have one credit limit that’s accessed by both cards. Your credit limit can be found on your monthly statement, or you can view it online by logging onto netbank.com.au. 

Will I have separate statements for each card?
No, you will only receive one statement showing individual transactions made on your CommBank American Express Card and MasterCard or Visa card. If you’ve registered with NetBank you can view your statement online and opt-out of receiving paper statements.

How can I maximise the number of points I earn?
Points earned on both cards go into the same account and are added together. Your CommBank Awards American Express Card lets you accelerate the points you earn with a higher points-earn rate. Whilst your CommBank MasterCard or Visa lets you earn points with a card that is conveniently accepted at millions of locations worldwide. Remember, using your cards with bonus partners helps you earn even more points.

Does the way I redeem Awards points change with the introduction of the CommBank American Express Card?
The way you redeem Awards points and the range of rewards you can redeem for haven’t changed at all. You can now earn points faster with your CommBank American Express Card. At the same time your CommBank Awards MasterCard or Visa gives you acceptance at millions of locations worldwide, so you earn points in more places.

Here’s how CommBank Awards points are earned with each $1 spent:

Standard Awards:

  • Up to 1.5 Awards points with American Express
  • Up to 1 Awards point with MasterCard/Visa

Gold Awards:

  • Up to 2 Awards points with American Express
  • Up to 1 Awards point with MasterCard/Visa

Platinum Awards:

  • Up to 2.5 Awards points with American Express
  • Up to 1 Awards point with MasterCard/Visa

Diamond Awards:

  • Up to 3 Awards points with American Express
  • Up to 1.25 Awards points with MasterCard/Visa

Back to FAQs

Things to know before you Can:

Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances or balance transfers) and are subject to points capping– refer to the Commonwealth Awards Programs Terms and Conditions for all the information. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. This card is issued by Commonwealth Bank of Australia pursuant to a licence from American Express.