Welcome to CommBank Awards. Inside, you’ll find all the information on our range of partners, travel, Gift
Cards and Awards.
Check out the full range of Awards online or through the
CommBank app.
• Log on to netbank.com.au, click on the Awards icon next to your credit card details; or
• Tap on the Awards link below your CommBank
Awards card in the CommBank app.
OVERVIEW
Your guide to the Awards program 03
PAY WITH POINTS PARTNERS
Flight Centre 04
Myer 05
TRAVEL
Frequent Flyer
Bonus Partners
06
07
GIFT CARDS & MERCHANDISE
Merchandise
Gift Cards
08 – 09
10
HOW TO REDEEM
How to Redeem 11
* Source: Roy Morgan Research September 2014. Based on number of customers with rewards or loyalty cards.

It’s simple – any time you’re using your CommBank
Awards American Express ® Card or CommBank
Awards MasterCard ® on eligible purchases, you’re earning points towards rewards. Check out our table to see how your points can grow.
Awards points earned per dollar spent
Tier
Awards
Gold
Platinum
Diamond
American Express MasterCard/Visa* up to 1.5
up to 1 up to 2 up to 2.5
up to 3 up to 1 up to 1 up to 1.25
* Diamond Awards Visa Card is available for existing customers only.
We believe in spreading good cheer. That’s why we’ve teamed up with a range of partners who will help you earn bonus points. Check out our current deals on the Partner Offers page of the
Awards website, or go to page 7 for a list of our bonus partners.
Don’t have a CommBank Awards
American Express Card?
Just register online via NetBank or call us on
13 2221 , and we’ll get you set up.
03

There are no blackout dates when you redeem your points for travel at Flight Centre. Your points convert into dollars to spend at Flight Centre for travel anywhere, anytime.
How to redeem your points
Visit a Flight Centre Airfare Expert in-store.
Call 1300 165 033 .
Visit the CommBank Awards website to book domestic and international flights and domestic accommodation.
Log on to the CommBank app and tap on the Awards link under your Awards card.
Things you should know: Minimum redemption of 2,500 Awards points applies. All travel products and offers from Flight Centre Limited are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Limited is subject to terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group Limited (ABN 25003 377 188) trading as Flight Centre,
Escape Travel, Student Flights, Travel Associates & Cruiseabout. ATAS - Travel Accredited No. A10412. Travel Agent Licence Numbers: WA 9TA 589.

Rewards on the spot with Myer and
CommBank Awards
It makes sense to give you options for redeeming your points.
So in an Australian department store first, we’ve teamed up with
Myer to give you access to thousands of rewards in-store.
How it works
1
Head in to any Myer store and get browsing.
2
Choose what you’d like to purchase, then:
· Present your CommBank Awards credit card at the register and ask to pay with points.
· Not enough points? Choose Points Plus Pay and split your purchase between your CommBank Awards points and your
CommBank Awards credit card.
3 Enjoy.
And don’t forget, if you have a MYER one card, you can earn credits on these purchases too.
Exclusive to CommBank Awards credit card customers.
Things you should know: CommBank Awards points are redeemable in store at Myer only. A minimum redemption and a maximum of 1 million points redemption applies per day. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Myer in its sole discretion may refuse the use of Awards points, for any reason, including without limitation, in cases of communication network failure, tampering, unauthorised intervention, fraud (actual or suspected), technical failure or any cause beyond the control of Myer. Awards points cannot be used at Myer towards payment of Myer Store or Myer Visa card accounts, lay-by accounts; purchase of ‘Coles Group and Myer’ Gift Cards; purchases at some food and service outlets; and Miele appliances. Product is for illustrative purposes only.

CommBank Awards are all about flexibility. There are a variety of ways to transfer points to our airline partners, helping you get closer to that holiday you’ve been dreaming of.
For more information, jump on to Redeem Travel > Velocity and Qantas Frequent Flyer on the Awards website.
1 Qantas Frequent
Flyer point =
Qantas Frequent Flyer 1
To start earning Qantas points, you need to be a member of the
Qantas Frequent Flyer program, and opt into Qantas Frequent Flyer Direct.
Once you’re signed up, all future CommBank
Awards points earned will be automatically transferred to your Qantas Frequent Flyer account monthly.
Awards
Gold
2.5 CommBank Awards points
2.5 CommBank Awards points
Platinum 2.5 CommBank Awards points*
Diamond 2.5 CommBank Awards points*
1 Velocity Frequent
Flyer point =
Velocity Frequent Flyer 2
With Velocity Frequent Flyer, the global frequent flyer program of Virgin Australia, you can earn and redeem Velocity Frequent Flyer Points around the globe with their network of program partners.
Use your Velocity Frequent Flyer Points to travel to over 500 destinations worldwide with
Virgin Australia and their airline partners, including Singapore Airlines, Etihad Airways,
Air New Zealand and Delta Air Lines.
Awards 2.5 CommBank Awards points
Gold 2.5 CommBank Awards points
Platinum 2 CommBank Awards points
Diamond 2 CommBank Awards points
Things you should know: 1 To opt-in to Qantas Frequent Flyer Direct, call 13 1661. There is a $30 annual fee charged for opting in. Qantas Points are offered by CommBank and accrue in accordance with and are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/creditcardstc. Exclusions, points caps and limitations apply. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office, unless made using a Business
Awards card, or balance transfers) - see commbank.com.au/creditcardstc for more information. Point’s caps reset each year in January. Customers must be opted in to Qantas Frequent Flyer Direct to earn Qantas Points. 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. *The conversion rates shown above for Platinum and Diamond cards is effective 2 May 2016. Prior to that date the conversion rate for Platinum and Diamond cards is 1 Qantas Frequent Flyer point = 2 CommBank Awards points. It is important to note that any CommBank Awards points earned prior to the date of your opt-in cannot be transferred to your Qantas Frequent Flyer account. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. A joining fee may apply. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the terms and conditions of the program are available at qantas.com/terms or by calling 13 11 31. 2 A minimum of 3,600 Awards points must be redeemed for Velocity Points and additional points must be in increments of 1,000 points. Velocity Points will appear on Member’s accounts within 5 business days. Please note that points can only be transferred to a Velocity Account in the same name as the primary cardholder of the CommBank Awards account. Once CommBank
Awards points have been redeemed for Velocity Points, they are governed by the Velocity Membership Terms & Conditions and cannot be reversed.

Shop with any of our Bonus partners and earn bonus points for every dollar spent on your CommBank Awards credit card. What’s more, these bonus points are not subject to any capping, helping you enjoy a great range of rewards even sooner.
1 Bonus point per $1 spent
1 Bonus point per $1 spent ^
1 Bonus point per $1 spent
1 Bonus point per $1 spent
1 Bonus point per $1 spent
1 Bonus point per $1 spent*
1 Bonus point per $1 spent*
*Bonus points earn is for online shopping only. ^ Bonus points earn is for in-store only.
2 Bonus points per $1 spent
1 Bonus point per $1 spent*
1 Bonus point per $1 spent
1 Bonus point per $1 spent
1 Bonus point per $1 spent*
1 Bonus point per $1 spent
07

You can always find the perfect way to treat yourself with our huge range of Apple products.
iPHONE 6s
64GB – Rose Gold.
340,800 pts. Code 820843.
Points + Pay: 102,300 + $1002.
APPLE WATCH SPORT
38mm – Space Grey/Black Band.
136,300 pts. Code 820858.
Points + Pay: 40,900 + $392.
iPAD MINI 4
Wi-Fi 16GB – Space Grey.
154,800 pts. Code 820848.
Points + Pay: 46,500 + $445.
You can check out even more great Awards.
Redeem through the CommBank app or log on to netbank.com.au
APPLE TV
4th Generation 32GB.
82,600 pts. Code 820892.
Points + Pay: 24,800 + $232.
iPOD NANO
16GB – Silver.
62,100 pts. Code 820866.
Points + Pay: 18,700 + $170.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc. registered in the U.S and other countries. App Store is a service mark of Apple Inc.
Points amount as at March 2016 and are subject to change.

There’s something for everyone with these great gift ideas (including you).
SODASTREAM
PLAY Drinks Maker.
30,500 pts. Code 820344.
Points + Pay: 9,200 + $84.
NUTRIBULLET
RX 1700.
101,500 pts. Code 820881.
Points + Pay: 30,500 + $284.
DYSON
V6 Absolute Handstick.
205,400 pts. Code 820185.
Points + Pay: 61,700+ $590.
FITBIT
Flex Wireless
Wristband – Black.
28,700 pts. Code 818783.
Points + Pay: 8,700 + $78.
AMERICAN TOURISTER
Bon Air Expandable
Spinner - 75cm Black.
58,400 pts. Code 820255.
Points + Pay: 17,600 + $160.
DELONGHI SCULTURA
4 Slice Toaster and
Kettle Set - Steel Grey.
115,000 pts. Code 820701.
Points + Pay: 34,500 + $322.
BOSE ®
SoundTouch® 10 wireless music system.
71,300 pts. Code 820560.
Points + Pay: 21,400 + $200.
09
Points amount as at March 2016 and are subject to change.

Gift Card
Discover our huge range of
Gift Cards
$25 Gift Card
$50 Gift Card
$100 Gift Card
$250 Gift Card
$500 Gift Card
5,400 pts
10,700 pts
20,000 pts
50,000 pts
100,000 pts
Can’t find what you want here?
Check out our full range of Gift Cards online or through the CommBank app.
• Log on to netbank.com.au
, click on the Awards icon next to your credit card details; or
• Tap on the Awards link below your CommBank
Awards card in the
CommBank app ; or
• Call 13 1661.

Redeeming points is easy, all you need to do is hop online to the Awards website through netbank.com.au or the CommBank app. From there, you can see the full range of Awards, as well as view your points balance and enjoy great specials.
Two easy ways to redeem in 3 easy steps:
Log on to NetBank
1
2
3
Click on the Awards icon next to your credit card details.
Go to the Redeem Awards tab
Add to Cart, Checkout and enjoy your Awards.
Log on to the CommBank app
1 Select the Cards icon and tap on the Awards link below your CommBank Awards card.
2
Browse the categories.
3
Add to Cart, Checkout and enjoy your Awards.
Things you should know: The earning and redemption of CommBank Awards points are subject to the Commonwealth (CommBank) Awards Program Terms & Conditions and Partner Terms & Conditions, available on the CommBank Awards website, accessible through NetBank. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card) and are subject to points capping. Awards and the number of points required for Awards are subject to change at any time without notice. Please remember to allow up to 1 hour to receive your digital gift card/s to your nominated email address. For all other Awards, please allow up to 10 working days for delivery. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express is a trademark of American Express. The CommBank
Awards American Express Card is issued by Commonwealth Bank of Australia pursuant to a license from American Express. Commonwealth Bank of Australia ABN 48 123 123 124. Australian Credit Licence Number 234945.
11

Lock, block, limit ® is an Australian-first, award-winning security innovation exclusive to CommBank. It gives you the power to control your credit card transactions and enjoy extra security in real-time using the
CommBank app or NetBank .
LOCK your card temporarily
If you misplace your credit card, you can temporarily lock it while you look for it. Then unlock it when you find it again.
And if your card is lost, you can now instantly cancel it and order a replacement card through the CommBank app or via NetBank.
BLOCK ATM cash advances
Now you can block ATM cash advances if you don’t want to withdraw cash from your credit card.
LOCK international payments
If you’re not shopping on an international website or travelling overseas you can lock international online and in-store payments.
Then simply unlock them instantly whenever you need to.
LIMIT your spending
Set a limit per transaction, then whenever a purchase is above that limit, it’ll be declined and we’ll alert you.
Things you should know: Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply. ADV13416 290316.