Awards credit card
For customers who want a lower monthly fee and credit limit but still like to earn Awards points.
- Purchase rate
- 20.99%
- Annual fee
- $0.00
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 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 |
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.
Eligibility
- Minimum age — 18 yearsThe additional cardholder may be 16 years of age or older.
- Individuals onlyIndividuals 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 residentAvailable 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 residentAvailable to citizens or permanent resident of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.
Constraints
- Minimum limit — $500.00Note that the credit limit we give you will depend on your ability to meet your repayments.
More Information
Published by CommBank under the Consumer Data Right · Last updated 16 July 2026 · Product ID 6512302188d8496baba2fbfd7dbba9a7 · View on CDR.gov.au