Awards credit card

For customers who want a lower monthly fee and credit limit but still like to earn Awards points.
Category: Credit and Charge Cards  Last Updated June 3, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , PURCHASE, 20.99%
  • Lending Rate Type: Purchase
  • Interest Rate: 20.99%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Additional Cards Additional Information: Adding an additional cardholder is an easy way to share the convenience and accessibility of your CommBank credit card, without opening a new account. You can have one additional cardholder and they must be at least 16 years old. They'll get a card with their name but with your account number.
  • Bill Payment Additional Information: Through AutoPay, you can choose to have the full closing balance, the minimum amount due, or set an amount debited from your chosen CommBank transaction account. If the set amount isn't enough to cover the minimum payment shown on your current statement, we'll take out more to cover the difference. If the set amount is more than your closing balance shown on your current statement, only the closing balance amount is debited.
  • Bill Payment Additional Information: With BPAY View you can switch to online bills & ask billers to send them directly to the CommBank app or NetBank, making it easy to see, track, and pay bills online.
  • Insurance Additional Information: Extends the manufacturer's Australian warranty on most purchases by up to a year. This is provided the purchase is charged to the cardholder's eligible credit card account or is purchased by redeeming Commonwealth Awards points. Restrictions, exclusions, limits, sub-limits and excesses may apply. Refer to the Credit Card Insurances Information Booklet for full details.
  • Insurance Additional Information: Covers the repair or replacement cost of goods that are lost, stolen or damaged within 90 days of most purchases. When those items are charged to the cardholder's eligible credit card account or purchased by redeeming Commonwealth Awards points. Restrictions, exclusions, limits, sub-limits and excesses may apply. Refer to the Credit Card Insurances Information Booklet for full details.
  • Loyalty Program Additional Information: Qantas Frequent Flyer members can opt-in with an annual fee of $90 to earn Qantas Points on everyday purchases using a CommBank Awards credit card. Use your Qantas Points to choose from thousands of rewards such as flights, flight upgrades, hotel stays, wine or shopping at Qantas Marketplace. Points you earn are transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. Easily check your Qantas Points balance. through your Qantas Frequent Flyer account. To opt-in, choose Qantas Points instead of CommBank Awards points in your credit card application. Existing CommBank Awards cardholders can opt-in to Qantas Points via the CommBank Awards website or by calling 13 16 61. From 25 August 2023, this card will be ineligible to opt-in to earn Qantas Points. Existing Awards cards opted-in to earn Qantas Points prior to 25 August 2023, may remain opted-in.
  • Loyalty Program Additional Information: Access the CommBank Awards program and earn Awards points as soon as you start using your CommBank Awards credit card. You can earn points on everyday credit card purchases with no expiry on points, redeem Awards points for a range of Awards items on the Awards site including at Myer, Gift Cards or cashback, easily check your Awards points balance in NetBank or the CommBank app and earn Bonus Points when you make purchases with your credit card at one of our bonus partners including the Bonus Points eShop.
  • Loyalty Program Additional Information: Earn 1 Awards point for every $1 spent using your Mastercard Standard Awards card, up to and including $2,000 in a statement period. After spending $2,000, the Awards point earn rate is 0.5 Awards points per $1 spent. Earn Bonus Points when you make purchases with your credit card at one of our bonus partners including the Bonus Points eShop. Bonus points do not expire and there is no cap on how many bonus points you can earn each year. The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions.
  • Complementary Product Discounts Additional Information: A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.
  • Complementary Product Discounts Additional Information: Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
  • Digital Banking Additional Information: Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.
  • Fraud Protection Additional Information: Securing your accounts is our top priority. That's why we provide a range of security features and services, including fraud prevention technology and secure banking, to help you stay safe.
  • Digital Wallet Additional Information: Pay with your Apple(TM) device using Apple Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) phone using the CommBank app.
  • Digital Wallet Additional Information: Pay with your Garmin(TM) smartwatch using Garmin Pay.
  • Digital Wallet Additional Information: Pay with your Android(TM) device using Google Pay(TM).
  • Digital Wallet Additional Information: Pay with your Samsung(TM) device using Samsung Pay.
  • Instalment Plan Additional Information: Pay off eligible purchases or credit card balances in fixed monthly instalments. A set-up fee of 2%-5% of the purchase amount may apply on purchase plans depending on the term. Otherwise interest is charged on the plan amount.
  • Fraud Protection Additional Information: Free protection against fraud and other unauthorised transactions with Mastercard Zero Liability.
  • Fraud Protection Additional Information: Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.
  • Interest Free Additional Information: Up to 44 days. We won't charge any interest on purchases if you pay at least the closing balance shown on your statement by the due date each and every month.
  • Notifications Additional Information: We'll tell you when your online bill payment is due.
  • Notifications Additional Information: We'll notify you when you go over your limit so you can make a payment in time and prevent an overlimit fee from being charged to your account. (Only applies to accounts opened before 1 July 2012).
  • Notifications Additional Information: Reminders before payments are due to avoid late fees.
  • Notifications Additional Information: Turn Transaction Notifications on in the CommBank app and we'll instantly alert you when you pay using your CommBank credit card, and when you receive money into your everyday account.
  • Digital Banking Additional Information: Setting a Spending Cap helps you keep on top of your spend. Plus you can still access additional funds if you need them.
  • Digital Banking Additional Information: We help you stay on track with your credit card spending in the CommBank app.

 Product Eligibility

  • Min Age - 18. Additional Information: The additional cardholder may be 16 years of age or older.
  • Residency Status - Available To Citizens Or Permanent Resident. Additional Information: Available to citizens or permanent resident of Australia and valid visa holders. Make sure you are legally allowed to work in Australia.
  • Residency Status - New Zealand Citizen Or Permanent Resident. Additional Information: Available to citizens or permanent resident of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.
  • Natural Person Additional Information: Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
  • Other Additional Information: Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
  • Other Additional Information: Applications for credit cards are subject to credit approval.

 Bank Fees and Charges

  • Additional Cardholder Fee (Periodic), Amount: 0.00. Additional Information: Pay no additional cardholder fee to share the convenience of your card with an additional cardholder.
  • Late Payment Fee (Event), Amount: 20.00. Additional Information: When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date.
  • Overlimit Fee (Event), Amount: 15.00. Additional Information: Only applies to accounts opened before 1 July 2012 (including if you switch credit card types).
  • Emergency Issue/ Lost/ Replacement Card Fee (Event), Amount: 20.00. Additional Information: When you need an emergency replacement card delivered to you.
  • Qantas Frequent Flyer Direct Fee (Periodic), Amount: 90.00. Additional Information: There is a $90 annual fee charged for opting in. 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. This fee only applies to customers who have opted in to earn Qantas Points prior to 25th August 2023.
  • International Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars.
  • Cash Advance Fee (Withdrawal), Amount: Not Listed.. Additional Information: This is charged for cash advances from Commbank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers. Capped at a maximum fee of $300.00 (or $4.00 if your closing balance was in credit the previous business day).
  • Monthly Fee (Periodic), Amount: 8.00. Additional Information: Payable each month, giving you access to the features and benefits of your credit card.

 Limitations & Restrictions (Constraints)

  • Min Limit of 500.00 Additional Information: Note that the credit limit we give you will depend on your ability to meet your repayments.

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