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Banking / Credit Cards / Commonwealth Bank Gold Awards Credit Card

Commonwealth Bank Gold Awards Credit Card

Product Image

Purchase Rate
20.24 %
p.a.




Cash Advance Rate 21.24% p.a
Interest Free Up to 55 days
Annual Fee$119
Balance Transfer Rate 5.99%for first 5 months

  • Lock in double CommBank Awards points with a new Awards credit card from CommBank**.
  • Available on MasterCard® spend for the first 90 days when you apply any lock, block or limit feature within the first 30 days.
  • Limited time only on personal online applications.
  • Automatic enrollment in Commonwealth Gold Awards program.
  • Complimentary international travel insurance for return trips of up to 3 months.
  • Purchase security insurance.
  • Extended warranty insurance.
  • Commission free traveler's cheques.
  • MasterCard PayPass.
  • Present your credit card when purchasing a Travel Money Card at any Commonwealth Bank branch and pay no card issue fee.
  • A $10 fee applies for additional card holder.
Shortlist View ShortList

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Earn up to 2 Awards points for every $1 spent on the Commonwealth Bank Gold Awards American Express Credit Card
  • Earn up to 1 Awards point for every $1 spent on the Commonwealth Bank Gold Awards MasterCard
  • Choose from thousands of rewards
  • Throughout the year you'll also find a wide range of bonus offers to help you get even more value from your Awards points
  • Prefer to take a holiday? You can also choose to redeem your points at Flight Centre to help you getaway on your next holiday even sooner
  • Redeem your points for cash - we'll credit it straight into your account so you can treat yourself to whatever you like
  • To give you even more flexibility and choice, you can elect to use Points Plus Pay, which lets you use the Awards points you have with some extra cash from your credit card to make up the difference
Rewards Points per Dollar 2.00 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $8700 Frequent Flyer Ratio 0.4
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $31250

Lifetime of Points
Rewards Program Partners ACP Magshop, Adairs, Bob Jane T-Marts, Caltex, Cellarmasters, Conrad Jupiters, Conrad Treasury, Crown Promenade Hotel, Crown Towers, David Jones, Dreamworld, efragrance, Fruit Only, Hoyts, Marque Hotels, Napoleon Perdis Cosmetics, Prouds The Jewellers, Red Balloon Days, Rendezvous Hotels, Roses Only, Sanity, Showbiz Box Office, Sony Style, Strandbags, Sydney Aquarium, Sydney Wildlife World, Thrifty, Travelodge Hotels, Travel Plus, Village Cinema's, Warner Village Theme Parks, WhiteWater World.
Rewards Bonus Points Partners ACP Magshop, Adairs, Bob Jane T-Mart, Cellarmasters, Conrad Jupiters, Conrad Treasury, Crown Promenade Hotel, Crown Towers, Dreamworld, efragrance, Fruit Only, Hoyts, Marque Hotels, Napoleon Perdis Cosmetics, Prouds The Jewellers, Red Balloon Days, Rendezvous Hotels, Roses Only, Sanity, Showbiz Box Office, Sony Style, Strandbags, Sydney Aquarium, Sydney Wildlife World, Thrifty ,Travelodge Hotels, Travel Plus, Village Cinema's, Warner Village Theme Parks, WhiteWater World.
Domestic Airlines Qantas Frequent Flyer Velocity Rewards
International Airlines You can opt-in to Qantas Frequent Flyer Direct Program for a low annual fee of $10. 2.5 Awards Points = 1 Qantas Frequent Flyer point. 2.5 Awards Points = 1 Velocity Point
Conditions Awards Points are Evergreen. Though conditions apply re: closed, fraudulent and delinquent accounts. Points expire 3 months after account is closed.

Annual Fee $119 Minimum Repayment Greater of 2% or $25
Annual Fee First Year $119 Interest Charged From PurchaseDate
Rewards Joining Fee $0 Late Payment Fee $20
Supplementary Card Fee $15    
Duplicate Statement Fee $7 Overseas ATM Balance Fee $1.25
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $4
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $20

Terms & Conditions
**Online applications for new personal Awards credit cards only excludes upgrades and migrations. Offer is available for a limited time and can be withdrawn at any time at the discretion of the Bank. Cannot be used in conjunction with any other offer. To be eligible for double points on your MasterCard spend for the first 90 days from card activation you need to apply online for any personal CommBank Awards credit card before 1 May 2015 and activate before 1 June 2015. You also need to have applied any lock, block or spend limit functionality at least once within 30 days of activation. The lock, block or limit functionality includes temporarily locking your credit card, blocking international payments or ATM cash advances or limiting the spend amount per transaction. The lock, block or limit functionality does not need to be retained until the end of the promotion. American Express spend is not eligible. Spend on your credit card account consists of purchases only. Balance transfers and cash advances are not included. Additional points earned during this promotion do not count towards points capping. No cap or limits on how many additional points customers can earn during this period. Points may not be awarded if a transaction is refunded. You will be ineligible for the double points offer if your account is closed, upgraded or you have transferred your balance or your account is in default at any time prior to the Awards points being credited to your account. Additional points will be credited to your account within 90 days of your double Awards points earning period completing. Excludes Low Rate and Low Fee cards, Student cards, Corporate credit cards, Business credit cards (Personal Liability Business credit cards) and existing credit card accounts. Applications are subject to credit approval. Please view CommBank’s Credit Cards Conditions of Use. Full terms and conditions will be included in our Letter Of Offer. Other fees and charges are payable. MasterCard is a registered trademark of MasterCard International Incorporated.


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* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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