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

How will points capping work?
By taking up a CommBank Awards American Express Card, you will have the opportunity to earn more Awards points each year.

The rate at which you can earn Awards points and the total number of Awards points that you can earn each year is capped according to your Card type and whether you have opted-into Qantas Frequent Flyer Direct#. For full details please refer below:

Diamond Awards and Diamond Awards Members that have opted-in to Qantas Frequent Flyer Direct#
As a Diamond Awards Member with a Linked American Express Card you may earn a maximum of 1,000,000 Awards points in accordance with below:

Total points cap = 1,000,000 Awards points per year (equal to 400,000 Qantas points)

  • Earn 3 Awards points per $1 spent using your American Express Card
  • Earn 1.25 Awards points per $1 spent using your MasterCard card

As a Diamond Awards Member without a Linked American Express Card you may earn 1.25 Awards points per $1 spent up to a maximum of 1,000,000 Awards points per year (equal to 400,000 Qantas points) by using your Diamond Awards MasterCard® or Visa credit card.  

Platinum Awards
You can earn a maximum of 250,000 Awards points per year with your Platinum Awards MasterCard® or Visa card and a new Platinum Awards American Express® Card.

Here’s how points capping will work with both cards:

Total points cap = 250,000 Awards points per year

  • For the first 150,000 Awards points earned
    • Earn 2.5 Awards points per $1 spent using your American Express Card
    • Earn 1 Awards point per $1 spent using your MasterCard® card or Visa Card
  • For the additional 100,000 Awards points earned:
    • Earn 1 Awards point per $1 spent using your American Express Card only.

If you do not have a Platinum Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa credit card to a maximum of 150,000 points.

Platinum Awards Members that have opted-in to Qantas Frequent Flyer Direct#
You can earn a maximum of 200,000 Awards points (equal to 80,000 Qantas Frequent Flyer points) per year with your Platinum Awards MasterCard or Visa card and a Platinum Awards American Express Card.

Total points cap = 200,000 Awards points per year (equal to 80,000 Qantas Frequent Flyer points)

  • For the first 120,000 Awards points earned (equal to 48,000 Qantas Frequent Flyer points):
    • Earn 2.5 Awards points per $1 spent using your American Express Card
    • Earn 1 Awards point per $1 spent using your MasterCard card or Visa Card
  • For the additional 80,000 Awards points earned (equal to 32,000 Qantas Frequent Flyer points):
    • Earn 1 Awards point per $1 spent using your American Express Card only.

If you do not have a Platinum Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa card up to 120,000 Awards points (equal to 48,000 Qantas Frequent Flyer points).

Gold Awards
You can earn a maximum of 125,000 Awards points per year with your Gold Awards MasterCard or Visa card and a Gold Awards American Express card.

Here’s how points capping works with both cards:

Total points cap = 125,000 Awards points per year

  • For the first 75,000 Awards points earned:
    • Earn 2 Awards points per $1 spent using your American Express Card 
    • Earn 1 Awards point per $1 spent using your MasterCard card or Visa Card
  • For the additional 50,000 Awards points earned:
    • Earn 1 Awards point per $1 spent using your American Express Card only.

If you do not have a Gold Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa card up to a maximum of 75,000 points.

Gold Awards Members that have opted-in to Qantas Frequent Flyer Direct#
You can earn a maximum of 100,000 Awards points (equal to 40,000 Qantas Frequent Flyer points) per year with your Gold Awards MasterCard or Visa card and a Gold Awards American Express Card.

Here’s how points capping works with both cards: 

Total points cap = 100,000 Awards points per year (equal to 40,000 Qantas Frequent Flyer points)

  • For the first 60,000 Awards points earned (equal to 24,000 Qantas Frequent Flyer points):
    • Earn 2 Awards points per $1 spent using your American Express Card
    • Earn 1 Awards point per $1 spent using your MasterCard card or Visa Card
  • For the additional 40,000 Awards points earned (equal to 16,000 Qantas Frequent Flyer points):
    • Earn 1 Awards point per $1 spent using your American Express Card only.

If you do not have a Gold Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa card up to 60,000 Awards points (equal to 24,000 Qantas Frequent Flyer points).

Awards
You can earn a maximum of 50,000 Awards points per year with your Awards MasterCard or Visa card and an Awards American Express Card.

Here’s how points capping works with both cards: 

Total points cap = 50,000 Awards points per year 

  • Earn 1.5 Awards points per $1 spent using your American Express Card 
  • Earn 1 Awards point per $1 spent using your MasterCard card or Visa Card 

If you do not have an Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa card up to a maximum of 50,000 points.

Awards Members that have opted-in to Qantas Frequent Flyer Direct#

You can earn a maximum of 50,000 Awards points per year (equal to 20,000 Qantas Frequent Flyer points) with your Awards MasterCard or Visa card and an Awards American Express Card.

Here’s how points capping works with both cards: 

Total points cap = 50,000 Awards points per year (equal to 20,000 Qantas Frequent Flyer points)

  • For the first 30,000 Awards points earned (equal to 12,000 Qantas Frequent Flyer points):
    • Earn 1.5 Awards points per $1 spent using American Express Card 
    • Earn 1 Awards point per $1 spent using MasterCard card or Visa card 
  • For the additional 20,000 Awards points earned (equal to 8,000 Qantas Frequent Flyer points):
    • Earn 1 Awards point per $1 spent using American Express Card only.

If you do not have an Awards American Express Card, you will be able to earn 1 point per dollar spent on your MasterCard or Visa card up to a maximum of 30,000 points (equal to 12,000 Qantas Frequent Flyer points).

Back to FAQs

Things to know before you Can:

# 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. 

The conversion rate shown above for Platinum and Diamond cards is effective from 2 May 2016. Prior to that date the conversion rate for Platinum and Diamond cards is 1 Qantas Frequent Flyer point = 2 CommBank Awards points.

MasterCard and the MasterCard brand mark are the registered trademarks of MasterCard international incorporated. American Express is a trademark of American Express. This Commonwealth Bank American Express card is issued by Commonwealth Bank of Australia pursuant to a license from American Express.