---
title: "Awards credit card — CommBank"
description: "Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/6512302188d8496baba2fbfd7dbba9a7
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T02:15:37.000Z
---

# Awards credit card — CommBank

> Credit & Charge Cards from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

For customers who want a lower monthly fee and credit limit but still like to earn Awards points.

## At a glance

- **Purchase rate:** 20.99%
- **Annual fee:** $0.00

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/credit-cards/awards.html)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 20.99% | — | — |
| Cash advance | 21.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Additional cardholder fee — Charged yearly · Pay no additional cardholder fee to share the convenience of your card with an additional cardholder. | Ongoing | $0.00 |
| Late payment fee — 1 · Capped at $20.00 per 1 month · When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. | Late payment | $20.00 |
| Overlimit fee — Only applies to accounts opened before 1 July 2012 (including if you switch credit card types). | Event | $15.00 |
| Emergency issue/ lost/ replacement card fee — When you need an emergency replacement card delivered to you. | Replacement | $20.00 |
| Qantas Frequent Flyer Direct fee — Charged yearly · Capped at $90.00 per 1 year · 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. | Ongoing | $90.00 |
| International transaction fee — When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars. | Transaction | 3.5% of transaction |
| Cash advance fee — 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). | Cash advance | 3% of transaction |
| Monthly fee — Charged monthly · Payable each month, giving you access to the features and benefits of your credit card. | Ongoing | $8.00 |

## Instalment plans

- **Plan splits** — 3–12 instalments
- **Concurrent plans** — Up to 50
- **Minimum plan value** — $100.00

## Features

- **Additional cards** — up to 1 (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 (BPAY)** — AutoPay (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 (BPAY)** — BPAY View (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 included** — Extended warranty insurance (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 included** — Purchase security insurance (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** — Qantas Frequent Flyer Program (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** — CommBank Awards Program (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** — Awards Points Earn Structure (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.)
- **Discounts on other products** — Priceless Cities (A program available exclusively to Mastercard cardholders that provides access to unforgettable experiences in the cities where you live and travel.)
- **Discounts on other products** — Travel Booking by Hopper (Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.)
- **Digital banking** (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** (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** — Apple Pay (Pay with your Apple(TM) device using Apple Pay.)
- **Digital wallet** — CommBank Tap and Pay (Pay with your Android(TM) phone using the CommBank app.)
- **Digital wallet** — Garmin Pay (Pay with your Garmin(TM) smartwatch using Garmin Pay.)
- **Digital wallet** — Google Pay (Pay with your Android(TM) device using Google Pay(TM).)
- **Digital wallet** — Samsung Pay (Pay with your Samsung(TM) device using Samsung Pay.)
- **Extra repayments** (While you have a SurePay instalment plan, payments are applied in accordance with our Terms and Conditions.)
- **Fraud protection** (Free protection against fraud and other unauthorised transactions with Mastercard Zero Liability.)
- **Fraud protection** (Instantly lock, block or limit your credit card for extra control through the CommBank app or NetBank.)
- **Interest-free period** — 44 days (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** — Billing notifications (We'll tell you when your online bill payment is due.)
- **Notifications** — Overlimit notifications (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** — Payment reminders (Reminders before payments are due to avoid late fees.)
- **Notifications** — Transaction Notifications (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** (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** (We help you stay on track with your credit card spending in the CommBank app.)
- **Instalment plan** (The SurePay - Balance Plan is an instalment plan feature available to help you manage your credit card repayments. You can break down your credit card purchase balance into smaller, manageable instalments with a fixed term and no set up fee. Your card purchase interest rate, or special interest rate, will be applied to the balance and Terms and Conditions apply.)
- **Instalment plan** (The SurePay - Cash Advance Plan is an instalment plan feature available to help you manage your credit card repayments. You can break down your cash advance balance into smaller, manageable instalments with a fixed term and no set up fee. Your cash advance interest rate will apply to the balance and Terms and Conditions apply.)
- **Instalment plan** (The SurePay - Purchase Plan is an instalment plan feature available to help you manage your credit card repayments. You can split your purchases into smaller, manageable instalments with a fixed term and 0% interest rate for purchases in an instalment plan. A set-up fee and minimum term applies and is subject to Terms and Conditions. The SurePay - Purchase Plan is considered an Instalment Feature of the account. For further information refer to the BankingProductInstalments Open Banking API.)

## Eligibility

- **Minimum age** — 18 years (The additional cardholder may be 16 years of age or older.)
- **Individuals only** (Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.)
- **Applications for credit cards are subject to credit approval.**
- **Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.**
- **Residency status** — Available to citizens or permanent resident (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 (Available to citizens or permanent resident of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.)

## Constraints

- **Minimum limit** — $500.00 (Note that the credit limit we give you will depend on your ability to meet your repayments.)

## More information from CommBank

- [Overview](https://www.commbank.com.au/credit-cards/awards.html)
- [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf)
- [Eligibility](https://www.commbank.com.au/credit-cards/awards.html)
- [Fees & pricing](https://www.commbank.com.au/personal/apply-online/download-printed-forms/ADB1682.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `6512302188d8496baba2fbfd7dbba9a7`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/6512302188d8496baba2fbfd7dbba9a7
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/6512302188d8496baba2fbfd7dbba9a7) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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