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Commonwealth Bank Platinum Awards Credit Card
Commonwealth Bank Platinum Awards Credit Card

Commonwealth Bank Credit Cards

Commonwealth Bank Platinum Awards Credit Card

Updated 26 November 2019

100,000 Bonus Awards Points when you apply for a new CommBank Platinum Awards credit card by 29 February 2020 and spend $4,000 on eligible purchases within first 90 days

T&Cs apply. Offer ends 29 February 2020

Points Earn Rate (per $1 spent)

1 point

CBA Awards

Rewards Program

Commonwealth Bank Awards

Bonus Points

100,000 pts

Spend $4,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 on eligible purchases within first 90 days
  • Ability to convert Awards points directly to Qantas or Velocity points
  • Range of complimentary platinum insurance covers
  • You can use your card to redeem reward points to pay for purchases at Myer
  • Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Earn 1 Awards point for every dollar spent on your CommBank Platinum Awards Mastercard
  • Points cap of 150,000 per year (120,000 points per year if you have opted in to Qantas Frequent Flyer Direct)

Creditcard.com.au review

Editor Review

Commonwealth Bank Platinum Awards Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Big Review: Commonwealth Bank Platinum Awards Credit Card

Designed to appeal to big spenders who want to earn big rewards, the Commonwealth Bank Platinum Awards Credit Card earns points on CommBank’s Awards program, up to a cap of 150,000 Awards points per year. Cardholders can enjoy access to one of the most popular rewards programs in Australia, or opt in to Qantas Frequent Flyer. Extras focus on insurance covers, with complimentary overseas travel insurance, extended warranty and purchase security insurance included.

  • Earn 1 Awards point per $1
  • Earn up to 150,000 Awards per year
  • Opt in to Qantas Frequent Flyer to earn 0.4 Qantas Points per $1 (up to 120,000 Qantas Points per year)
  • 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 on eligible purchases within first 90 days
  • Flexibility of CommBank’s Awards program, providing access to 12 frequent flyer program partners, and instant points redemption at Myer and Flight Centre
  • Complimentary overseas travel insurance
  • Complimentary extended warranty insurance, price guarantee and purchase security insurance
  • Access to Priceless Cities offers and experiences
  • Annual Fee: $249
  • Additional Cardholder Fee: $10 per year
  • Purchase Rate: 20.24% p.a. (variable)
  • Cash Advance Interest Rate: 21.24% p.a. (variable)
  • Minimum Credit Limit: $6,000
  • Interest Free Period on Purchases: Up to 55 days

This Card: The Lowdown

Having scrapped its Gold Awards card, CommBank now offers three rewards options within its range of cards designed for personal use. With the entry-level Commonwealth Bank Awards Credit Card on one side and the Commonwealth Bank Diamond Awards Credit Card on the other, the Commonwealth Bank Platinum Awards Credit Card sits pretty in the middle.

Why choose the Commonwealth Bank Platinum Awards Credit Card over CommBank’s two other rewards cards? Now that the American Express companion card is no longer offered on this range, the Awards Card and Platinum Card offer the same earn rate. What sets them apart is their annual points cap (50,000 vs. 150,000 Awards points), and the Platinum Card’s range of insurance covers.

Comparing the two cards, you will see there is also a huge difference in annual fees. So, if you want to make the most of the Platinum Card, you better be ready to spend on it. To balance out its much higher annual fee, you will need to spend on the card to earn as many points as possible – while also making good use of the insurance covers on offer.

The Diamond Card has a higher annual fee still, but caps annual points earn at 1 million, while offering a slightly higher earn rate. Is it worthwhile? The Commonwealth Bank Platinum Awards Credit Card would work well for big spenders who want the flexibility offered on CommBank’s Awards program. There is the option to opt in to Qantas, but the earn rate is not all that appealing.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Commonwealth Bank Platinum Awards Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Unfortunately, there is no bonus points offer on the Commonwealth Bank Platinum Awards Credit Card. Unlike many other platinum rewards cards, which provide enticing introductory offers to tempt new cardholders, this card currently has no offers of this kind. This is a bit of a shame, as bonus points could help to balance out that annual fee, if only for the first year.

Earning Points

The Commonwealth Bank Platinum Awards Credit Card has one earn rate, providing cardholders with 1 Awards point per $1 on eligible credit card spending. Purchases excluded from this earn rate include BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office. Points are capped at 150,000 points per year. There is no expiry on points earned.

If you were to compare that to the other rewards cards offered by CommBank, you would see the CommBank Awards Credit Card has the same earn rate of 1 Awards point per $1, with an annual cap of 50,000 Awards points. Unlike the Platinum Card, which has an annual fee of $249, the entry-level Awards Card has an annual fee of $59.

Meanwhile, the CommBank Diamond Awards Credit Card allows cardholders to earn 1.25 Awards points per $1 spent, capped at 1 million points per year. The Diamond Card has an annual fee of $349, with the same range of features as the Platinum Card. So, it’s up to you to work out what kind of value you could get from these options, to work out which one is right for you.

It’s worth pointing out that cardholders have the opportunity to boost their points-earn when using their card at any of the Awards program’s bonus partners. Correct as of May 2019, this is how that bonus point earn stacks up.

Shopping

Onsport - 10 bonus points per $1 spent

WineDirect.com - 10 bonus points per $1 spent

Magshop - 1 bonus point per $1 spent

Napoleon Perdis - 1 bonus point per $1 spent

Prouds the Jewellers - 1 bonus point per $1 spent

Travel

Kaligo.com - 15 bonus points per $1 spent

Crown Metropol - 1 bonus point per $1 spent

Crown Promenade Hotel - 1 bonus point per $1 spent

Crown Towers - 1 bonus point per $1 spent

Entertainment

RedBalloon - 1 bonus point per $1 spent

Village Cinemas Australia (online only) - 1 bonus point per $1 spent

CommBank made the decision to pull the American Express companion card on its rewards card range, leaving just the Mastercard in place. That means one lower earn rate across all card spending. Whether this card still offers value to you will depend on the type of spending you do most – and how much you spend throughout the year.

Opting In To Qantas

Cardholders can choose to opt in to Qantas Frequent Flyer by paying an additional $30 per year. Offering an ‘all or nothing’ option, opting in to Qantas means all points earned on the card are automatically converted to Qantas Points and transferred to the cardholder’s Qantas account at the end of each statement period.

Points are converted at a rate of 2.5 CommBank Award points to 1 Qantas Point. So, by opting in to Qantas, you will earn 0.4 Qantas Points per $1 spent. Similar to the Awards program, there is a maximum number of Qantas Points you can earn in a year on this card, with points capped at 120,000 per year.

To earn Qantas Points, you have to be a Qantas Frequent Flyer member. If you’re not yet a member, you’ll need to join, which may involve a joining fee of $99.50. If you opt in to Qantas more than three months after card application, your accrued Awards points can’t be converted to Qantas Points. Less than three months though, and it’s possible to make the conversion.

Redeeming Points

As a CommBank Platinum cardholder, you will be enrolled in CommBank’s Awards program – unless of course, you opt in to Qantas. According to CommBank, its Awards program is the largest credit card rewards program of any bank in Australia. So, what does it have to offer?

In terms of travel, you can convert your Awards points to the program’s range of partner airlines, or alternatively, use your points to pay for your next adventure when booking at Flight Centre. You could also redeem your Awards points instantly instore at Myer, or you could redeem your points for cash, crediting them to your card account to cover whatever you like.

Of course, the Awards program also has its own online store, much like the Qantas Store and Velocity Store. This allows you to redeem your Awards points for more than 1,000 items, including gift cards, sports gear, home appliances, tech and fashion. Check out the Awards Guide for current deals on the Awards site, and for bonus points offers available at partners such as Flight Centre.

Travel Options

Back in July 2018, the Awards program announced the addition of 10 further frequent flyer partners, up from just two. Unlike Qantas, which requires cardholders to opt in to earn Qantas Points, these frequent flyer partners allow for points transfer as and when the cardholder chooses. There is no additional annual fee when transferring points to programs outside Qantas.

  • Virgin Australia Velocity: 2 Awards points = 1 Velocity Point
  • Qantas Frequent Flyer: 2.5 Awards points = 1 Qantas Point
  • Air Asia BIG: 2.5 Awards points = 1 BIG Point
  • Air France-KLM Flying Blue: 3 Awards points = 1 mile
  • EVA Air Infinity MileageLands: 3 Awards points = 1 mile
  • Malaysia Airlines Enrich: 3.5 Awards points = 1 mile
  • Lufthansa Miles & More: 4 Awards points = 1 mile
  • China Eastern Eastern Miles: 3 Awards points = 1 point
  • Etihad Guest: 3.5 Awards points = 1 mile
  • JAL Mileage Bank: 4 Awards points = 1 mile
  • United MileagePlus: 4 Awards points = 1 mile
  • IHG Rewards Club: 2.5 Awards points = 1 point

While the additional partners certainly offer diversity and choice, the value you gain from these additions will depend on how often you fly with these airlines. It’s worth checking out each airline’s partners to find further value.

  • Qantas Points can be used for travel on Qantas, Emirates and oneworld partner airlines.
  • Velocity Points can be used for travel on Virgin Australia and partners such as Singapore Airlines and Etihad.
  • Air France-KLM Flying Blue miles can be used for travel on SkyTeam airlines such as China Airlines, Delta and Korean Air.
  • EVA Air Infinity MileageLands & United MileagePlus miles can be used for travel on Star Alliance airlines such as United, ANA and THAI.

It’s likely Velocity and Qantas will remain the most popular options, but with an earn rate of 0.5 Velocity Points per $1 or 0.4 Qantas Points per $1, better value may be found elsewhere.

Retail Options

When shopping at Myer, you can pay with Awards points in-store. This can cover purchases of any item – all you need to do is present your Commonwealth Bank Platinum Awards Credit Card at the register and ask to pay with your points. If you're a MYER one member, you’ll earn MYER one Shopping Credits for the total transaction

Alternatively, you could redeem your Awards points for gift cards. Gift card options include Myer, BP, Caltex, Kmart, Coles, Dymocks, Target, Adairs, Napoleon Perdis, Prouds the Jewellers, Red Balloon, Good Food and more. All gift cards have the same redemption value.

  • $25 Gift Card: 5,700 Awards points
  • $50 Gift Card: 11,300 Awards points
  • $100 Gift Card: 21,000 Awards points
  • $250 Gift Card: 52,500 Awards points
  • $500 Gift Card: 105,000 Awards points
  • $1,000 Gift Card: 210,000 Awards points

To give you an idea of what your Awards points could buy you at the Awards Store, here is what you would have to hand over for the following:

  • Weber baby Q (RRP $319): 84,700 Awards points
  • ghd Original Styler (RRP $190): 52,500 Awards points
  • Dyson V7 Handstick (RRP $599): 148,700 Awards points

[Points correct as of September 2018 Awards Guide]

This Card: Extras on Offer

To make the most of any credit card – especially one with a higher annual fee – it’s a good idea to check out the extras on offer. When it comes to platinum perks, the Commonwealth Bank Platinum Awards Credit Card focuses on included insurances.

Overseas Travel Insurance

As a cardholder, you will benefit from base overseas travel insurance as standard. This includes personal liability cover, and unlimited overseas emergency medical assistance and hospital expenses only. However, if you ‘activate’ your cover, you will have access to a much wider range of insurance types.

Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to six months for each journey. Activated insurance offers additional cover that includes baggage and personal goods up to $15,000 for the individual cardholder (up to $30,000 for a family), and rental vehicle excess of $2,250.

Retail Insurance Cover

Alongside its travel cover, the Commonwealth Bank Platinum Awards Credit Card also provides cover on retail purchases made on the card. This includes price guarantee, purchase security insurance and extended warranty.

Control & Tracking

One of the nice things about the Commonwealth Bank Platinum Awards Credit Card is the added control offered to cardholders. You can instantly lock, block or limit your credit card, you can add a Spending Cap to help control your spending, and you can work on your budgeting skills using the card’s Spending Tracker & Insights.

This Card: The Essentials

Working out whether this card is right for you will involve thinking about how you will use it – and how much value it can offer your style of card spending. It’s worth bearing in mind that there is no introductory bonus points offer on this card, which may have helped to balance out its annual fee, in the first year at least.

There is no reduced annual fee on the first year, as can often be found on cards with higher annual fees. There is also not a great range of features on offer. This means, for the card to provide value to you, it needs to offer more back on its rewards program, and on the features it does offer.

If you’re a frequent traveller, the card’s overseas travel insurance could save you serious money on standalone insurance. And, if you tend to spend big on your credit card, the Commonwealth Bank Platinum Awards Credit Card could provide a way to earn big points on your everyday spending, with access to a flexible rewards program.

Decision Time

Earning rewards on CommBank’s flexible Awards program, the Commonwealth Bank Platinum Awards Credit Card provides access to a variety of frequent flyer programs, including Qantas and Velocity. The card keeps it pretty simple on extras, focussing on insurance covering overseas travel and retail purchases.

User reviews

Commonwealth Bank Platinum Awards Credit Card ( based on 6 Creditcard.com.au user reviews )

70% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
65%

Creditcard.com.au Visitor

8 April 2013

I have had this card in the past, for approximately 1.5 years. Personally I thought the American Express additional card was a bit of a gimmick, however I did find myself using this additional card at Myers, David Jones, and many other retail shops where no extra charges were applicable, the primary reason being the bonus points earned. The annual fee is a little high for a platinum card with its range of features, I personally would like to see it lowered, I also note if you have a home loan with CBA and are on one of their packages it is free (please confirm this). A major perk of this card is its travel insurance, and the reason I say this is because the underwriters (Zurich from memory) of the insurance didn't prescribe an age limit, or void the insurance if you have a prior medical condition unlike nearly all other credit card insurances for travel (Please note: they didn't cover your past medical condition, and to confirm the no age limit via the PDS as it may have changed since I were holding the card). Balance transfer rate is high in comparison to others, however I don't see CBA competing in this area ever, which doesn't matter to me anyway. Customer service is quiet good I feel, from walk ins to a branch to telephone esquires, I was always pleased. General knowledge/ability to assist with the travel insurance esquires was pretty dismal on both phone and walk ins. On the rewards side of things, CBA seems to be up there with the best. In regards to flexibility of using your points they are great, then again, the cost of points to redemption is pretty poor. Example being 2 CBA points to 1 QFF, 10,000 CBA points equals $50.00 voucher, and for flight Centre their conversion is not to good at all (I forgot this conversion rate sorry). Also points capping is little upsetting to see, especially at 250,000. Also note, that if you use QFF your points cap will be lowered, (a little past half way from memory, I didn't look to much into this as I dont use QFF) Final note, the Concierge Service they offer for this card, on both occasions I used them, was pathetic. Overall, I do like this card for what it does offer, I think this card would be great for a young professional couple ranging all the way up to retirees. I would strongly consider this card if I were mature aged/retiree. Negatives with CBA, they give pretty lean credit card limits if you are a first time applier, age (too young or mature) or havent been in your occupation for to long, or dont earn a reasonable income. (only a handful or reason, there are so many more) I hope my review helps your decision on this card. Please note: All the perks and benefits mentioned were during my time holding the card, I have tried my best to identify these major benefits by stating check in brackets after or during the sentence.

Recommends this card

Rates and fees

Interest rates



Purchase rate 20.24% p.a.

Cash advance rate 21.24% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 5.99% p.a. for 5 months

Balance transfer revert rate 21.24% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 100% of approved credit limit

Banks you can't balance transfer from Commonwealth Bank

Credit limits

Minimum credit limt $6,000

Maximum credit limit $50,000

Fees & repayments

Annual fee $249 p.a.

Additional card holder fee $10 p.a.

Foreign transaction fee 3%

Minimum repayment $25 or 2%

Cash advance fee 2%

Late payment fee $20

Rewards and points

Rewards program

Rewards Program Commonwealth Bank Awards Commonwealth Bank Awards

Bonus points 100,000 points

Annual points cap 150,000^

Bonus points spend criteria Spend $4,000 within first 90 days

Earning points with this card

CBA Awards Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Eligible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

Overview

Commonwealth Bank Platinum Awards Credit Card

Earn 1 Awards point for every $1 spent using your Commonwealth Bank Platinum Awards Mastercard. For an annual fee of $30, you can choose to redeem for Qantas Frequent Flyer points instead of Awards points. Earn up to 150,000 Awards points a year (120,000 points per year if you have opted in to Qantas Frequent Flyer Direct).

Key features

  • 100,000 Bonus Awards Points when you apply by 29 February 2020 and spend $4,000 on eligible purchases within first 90 days
  • Annual fee of $249
  • 20.24% p.a. on purchases
  • 5.99% p.a. on balance transfers for the first 5 months
  • Minimum credit limit of $6,000
  • Personal concierge available 24/7
  • Earn 1 Awards point for every $1 spent using your Mastercard
  • Earn up to 150,000 Awards points a year (120,000 points per year if you have opted in to Qantas Frequent Flyer Direct)
  • International travel insurance for trips up to 6 months

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

19 questions (showing the latest 10 Q&As)

camila plan

camila plan

1 July 2019
how do i redeem my visa card platinum award?
Christine

Christine

16 June 2019
My travel agent wants cash payment( NOT credit card) for my business class flight to Europe . Am I still eligible for Travel Insurance using my CBA Platinum Mastercard ?
Patroklos

Patroklos

16 May 2019
I have a platinum credit card with commbank and a house loan with commbank. I would like to pay my home loan payments with my credit card. Do i still get award points for thease payments.?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 May 2019
    Hi Patroklos, I found this detail on what you do not earn points on. The following transactions are excluded from earning points: BPAY transactions, payments to the Australian Taxation Office unless made using a Business Awards card, balance transfers, cash advances (including a transaction treated by the Bank as a cash advance, for example, utility bills paid in person at a bank), purchases of foreign exchange, credit card insurance premiums, travellers cheques, interest charges, Qantas Frequent Flyer Direct fees, Bank fees, Card account payments, transactions deemed by the Bank to be for business purposes (excluding transactions on Business Awards, Business Gold Awards and Business Platinum Awards cards) and any other transactions which may from time to time be excluded by the Bank. The whole PDF is here that details the rewards program - https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/CommonwealthAwards.pdf
leonie miller

leonie miller

6 January 2019
I need to replace my fridge and expected to do so with rewards on my Platinum card. I want to buy a replacement model similar to the one I have. Where do I go to get this happening. I note the Myer site only has one brand- Smeg. Is that the only choice I have? I am thinking of a Fischer & Paykel
Therese

Therese

18 May 2017
Hi there. Does the CBA Platnium MC include Priority Pass Lounges?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 May 2017
    Hi Therese, no it does not, even the Diamond version does not have this feature.
Tracy

Tracy

12 December 2016
I have already a CBA awards platinum mastercard and American Express card. As this card attracts overseas fees and exchange charges. If I used another card while overseas, would the platinum card be able to rake over the balance while still attracting frequent flyer points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 December 2016
    Hi Tracy, I agree that its best to use a card that doesn't have overseas transaction fees whilst traveling. There are no points earnt on a balance transfer, therefore even if you do move the balance over, you would earn no points on the transfer.
Juanito B Caranto

Juanito B Caranto

24 September 2016
Application approved
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 September 2016
    Nice
Andrew Clement

Andrew Clement

13 June 2016
Hi there Do we need to take out additional excess insurance when renting a hire car and paying with our Visa Platinum card?? Regards Andrew
Joan Ruiters

Joan Ruiters

30 September 2015
I have paid extra (for pre-existing condition) and been issued with insurance thru Zurich for a trip starting on Saturday. I have an assessment number 11283967 however do not have a policy number. Also is my husband automatically covered on this insurance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 September 2015
    Hi Joan, An eligible cardholder's spouse will also be eligible for the cover provided they travel with the cardholder for the entire period of any journey. Have a great holiday
Syukriyah Zulikfle

Syukriyah Zulikfle

10 August 2015
How do I get the card?
kevena

kevena

12 July 2015
how long after i make purchases do awards ponts get applied to my account
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2015
    Hi Kevena - The points get allocated once a month once the statement is issued
Glenda McSwain

Glenda McSwain

2 July 2015
I have a CBA Master card and have for the past 15 years, I would like to upgrade to Platinum so I can get awards. How do I go about this.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 July 2015
    Hi Glenda, the fastest way is to apply directly through NetBank if you have access to this. There is an apply and offers tab near the top. You select credit cards and then go from there. It cuts the application and approval time. Basically you would be applying for the new Awards Platinum, then once approved and you have your old card at $0 you would cancel this. If you don't have access to NetBank, then you can apply directly through the CBA web site.
Sam

Sam

12 May 2015
Hi there. When hiring a rental car in Australia using my CBA Platinum Card, do I need to take out any excess reduction to obtain the $2250 towards the excess, or will the card contribute to the excess up to $2250 even if I pay for basic car hire? Thanks in advance for your answer.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 May 2015
    Hi Sam - your card comes with complimentary overseas travel insurance. It will not cover domestic car rental insurance. Have a review of the doco from Commbank that explains the insurance.
Patti

Patti

21 March 2015
I have 131,468 Award points on a Commonwealth Credit card how many QFF points could I get for this?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 March 2015
    Hi Patti - with Commbank you need to enroll in the Qantas program if you would like to earn Qantas points otherwise you earn the Commbank awards points that you can use for various activity through flight centre or to redeem for anything from the rewards catalog. I have the awards Diamond card and am enrolled to earn Qantas points. They are transferred automatically at the end of the month into my Qantas account. You are charged an extra $10 a year for being enrolling in the Qantas points program and need to call Commbank customer service to do so.
swarna jayasinghe

swarna jayasinghe

18 September 2013
Does the commonwealth bank platinum credit card comes in different colors?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2013
    Hi Swarna, it doesn't seem that this card comes in additional colours, but none of us here have one so can't confirm what the bank would say if you asked for a different colour.
Sumon

Sumon

17 July 2013
What's the meaning of 55 days interest free? For example, if I buy something cost $500 on the first week of the month and pay back before the end of the month, Do I need to pay the interest (any time of the year)?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 July 2013
    Hi Sumon - interest free days will start from your statement date, and how soon after that date you make a purchase will make a difference to how many interest free days you actually get.You should really have a look at the video we prepared on interest free days to understand more about how they work. Feel free to ask any specific questions you have after watching.
Mark

Mark

27 April 2013
Hi, How long b4 the 20000 QFF points show up on my QFF account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 April 2013
    Hi Mark, this can take up to 30-60 days, you would have to confirm the status of any transfer with Commbank. Hope that helps!
stephanie church

stephanie church

14 April 2013
How do iIconvert award points to qantas frequent flyer points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 April 2013
    Hi Stephanie, with the CBA you can link your account so that you can directly earn QFF points, for a fee of $10 per year. The conversion process can be done on the Awards website, just click on the icon inside netbanking. Other than that, you should know that you must bank up 4000 CBA Award points and they can be converted to 2000 QFF points if you choose not to do the direct earn option. For more information on the process, see our table which shows you the conversion rates for CBA and the other major banks and the frequent flyer programs that they will let you convert to. Remember that you have to be a member of QFF or whatever frequent flyer program you want to convert points to before doing the transaction. Hopefully that helps!
john

john

27 February 2013
does the 3 bonus points apply to any type of payment with this card ?? utilities, insurane etc ??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 February 2013
    Hi John, the three bonus points are available on eligible transactions with the American Express card. For information on what an eligible transaction is see the award program terms and conditions. An eligible transaction excludes BPay payments, paying utility bill in person at the bank, foreign currency transactions, credit card insurance premiums, Frequent Flyer Direct fees and payments on your card account to pay off your balance as well as business transactions, but you should read the full terms and conditions under 'earning award points'.

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