Awards credit card
By CommBank
For customers who want a lower monthly fee and credit limit, but still like to earn Awards points.
Last product change: 14 Aug 2025
Last checked: 14 Aug 2025
For customers who want a lower monthly fee and credit limit, but still like to earn Awards points.
Last product change: 14 Aug 2025
Last checked: 14 Aug 2025
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 21.99% | - | |
| |||
Purchase | 20.99% | - | |
| |||
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Additional cardholder fee | Periodic | $0.00 | P1Y | Pay no additional cardholder fee to share the convenience of your card with someone else. |
| Late payment fee | Event | $20.00 | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. | |
| Overlimit fee | Event | $15.00 | null | |
| Emergency issue/ lost/ replacement card fee | Event | $20.00 | When you need an emergency replacement card delivered to you. | |
| Qantas Frequent Flyer Direct fee | Periodic | $90.00 | P1Y | 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 (Mastercard and Visa transactions) | Transaction | When you make a transaction that is converted by Mastercard or Visa from a foreign currency to Australian dollars. | ||
| Cash advance fee | Withdrawal | 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 fee | Withdrawal | $4.00 | 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). | |
| International transaction fee (Mastercard and Visa transactions) | Transaction | International transaction fee (Transactions in Australian dollars but with an overseas connection). | ||
| Monthly fee | Periodic | $8.00 | P1M | null |
| Additional Cards | 1 additional card 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. Read more |
| Balance Transfer | Yes From 1 December 2023, we will no longer accept new balance transfer requests on our credit cards. |
| Interest Free Period | 44 days From 1 December 2023, we will no longer accept new balance transfer requests on our credit cards. |
| Loyalty Programs |
|