CommBank Awards Credit Card
The CommBank Awards card lets you earn CommBank Awards points on everyday spending with no annual fee in the first year, and the flexibility to transfer points to airline partners.
Why it ranks
- No annual fee in the first year
- Flexible point transfer options
- Seamless CommBank app integration
What holds it back
- Annual fee applies from the second year
- 3% foreign transaction fee
- Earn rate is modest versus premium cards
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The CommBank Awards card lets you earn CommBank Awards points on everyday spending with no annual fee in the first year, and the flexibility to transfer points to airline partners.
CommBank Awards Credit Card at a glance
| Issuer | Commonwealth Bank of Australia |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Bonus Awards points after qualifying spend |
| Rewards rate | Earn Awards points per AUD1 on eligible spend |
| Intro APR | Annual fee waived in the first year |
| Regular APR | Approx. 20.99% p.a. on purchases |
| Foreign transaction fee | 3% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | CommBank customers wanting flexible rewards points |
| Airport lounge access | No |
Rewards & benefits
- Earn CommBank Awards points on eligible purchases
- Transfer points to participating airline frequent flyer programmes
- First-year annual fee waiver
- Manage everything in the CommBank app
Eligibility & who it suits
- Australian resident or eligible visa holder
- Aged 18 or over
- Minimum income requirement applies
- Good credit history
How to apply
Check current rates on Commonwealth Bank of Australia’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Australia cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CACommonwealth Bank of AustraliaCommBank AwardsNo annual fee · AU CommBank Awards Credit CardCommBank customers wanting flexible rewards points |
None | Earn Awards points per AUD1 on eligible spend | Bonus Awards points after qualifying spend | 3% on foreign currency pur… | Good credit history | |
| 2 | WWestpacAltitude PlatinumA$150/yr · AU Westpac Altitude Platinum Credit CardRewards seekers wanting Qantas or flexible points |
A$150/yr | Earn Altitude points per AUD1 on eligible spend | Bonus Altitude or Qantas points after qualifying spend | 3% on foreign currency pur… | Good to excellent credit history |
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