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¹Awards credit card:

1 Awards point per $1 spent on eligible purchases, up to and including $2,000 in a statement period. 

After spending $2,000 in any given statement period, you will earn 0.5 Awards points per $1 spent on any other purchases within that period. 

²Gold Awards and Business Gold Awards cards are no longer available for sale from 23 March 2018.

³Platinum Awards and Diamond Awards cards are no longer available for sale from 3 June 2023.

The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions, available here. Points are earned on eligible transactions (excludes for example BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and may be subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Refer to the CommBank Awards Program Terms and Conditions. 

Smart Awards and Ultimate Awards credit card features can be found at CommBank Awards Program Terms and Conditions. 

⁴Smart Awards credit card:

1.5 points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining or utilities (electricity, gas & water). Please note that we are reliant on information about the merchant's business categorisation provided to us by either the merchant or their financial institution. The merchant must be classified as a major 'supermarket', 'department store' ,or 'service (petrol) station', 'dining venue' or 'utility company' for the purposes of Mastercard transactions, excluding any business or organisation paid using any intermediary platform, for example, PayPal.

1 point per $1 spent on all other purchases.

After spending $5,000 in a given statement period, any additional purchases (regardless of category) made within the same statement period are subject to earn 0.5 points per $1 spent.

Points Boost: up to 2 Bonus Points per $1 spent on the highest eligible purchase (not exceeding $500) up to 1,000 Awards points in a statement period. They will appear on your credit card statement under the ‘Awards Transactions’ section. In some instances, transactions at the end of the statement period will be allocated to the next statement cycle and may be identified as the highest transaction for that statement period. These points are treated as Bonus Points and are earned on top of the normal Points earned for the purchase type category up to 1,000 Bonus Points. We may adjust your Points retrospectively for any refunds and reimbursements to your Card Account by deducting the number of Points you previously earned for that transaction.

⁵Ultimate Awards credit card:

3 points per $1 spent on international transactions. International transactions include purchases made overseas or in Australia (for example online) where the merchant or entity processing the transaction is located outside of Australia.

2 points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining or utilities (electricity, gas & water). Please note that we are reliant on information about the merchant's business categorisation provided to us by either the merchant or their financial institution. The merchant must be classified as a major 'supermarket', 'department store’, or 'service (petrol) station', 'dining venue' or 'utility company' for the purposes of Mastercard transactions, excluding any business or organisation paid using any intermediary platform, for example, PayPal.

1 point per $1 spent on all other purchases.

After spending $10,000 in a given statement period, any additional purchases (regardless of category) made within the same statement period are subject to earn 0.5 points per $1 spent.