Commonwealth Bank

You must be a Qantas Frequent Flyer Member to earn and redeem Qantas Points. A joining fee may apply.

Qantas Frequent Flyer terms and conditions

Membership, and the earning and redemption of Qantas Points is subject to the Qantas Frequent Flyer Terms and Conditions.

Commonwealth Bank terms and conditions

Credit cards issued by Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945. Commonwealth Bank of Australia is the credit provider and credit licensee under National Consumer Credit laws. Commonwealth Bank of Australia pays Qantas for Qantas Points issued in relation to these cards.. Approval and credit limit is subject to Commonwealth Bank of Australia’s credit assessment criteria. Information, including interest rates and annual card fees, are subject to change. Terms, conditions, fees, charges and lending criteria apply. Correct as at 4 August 2021.

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: * Earning Qantas Points: Points are earned on eligible transactions (this excludes, 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 depending on card type. You can earn up to 1.2 Qantas Points for eligible purchases you make on the Ultimate Awards card. You get 1.2 Qantas Points for every $1 spent on international transactions. International transactions include any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas. You get 0.8 Qantas Points for every $1 spent at major Australian supermarkets, department stores and petrol stations. Earning these points depends on how the merchant categorises their business and provides us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions. You get 0.4 Qantas Points for every $1 spent on all other purchases. Once you have spent $10,000 in any given statement period, you will earn 0.2 Qantas Points for every dollar you spend on any other purchases within that period. 
Ultimate Awards cardholders can earn unlimited Awards points per year, which are then transferred to Qantas Points.

Disclaimer: ^ Monthly Fee: No monthly fee if you (i) spend at least $2,500 on your Ultimate Awards credit card in your statement period and (ii) choose to receive online statements. If you do not meet the above criteria, there is a monthly fee of $35. Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). You can opt in to receive online statements through NetBank or the CommBank app, which will require a valid email address.

Disclaimer: + Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in.This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Disclaimer: # Insurances: International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information BookletOpens external site in a new window (PDF) for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. View more International travel insuranceOpens external site in a new window information. 

Disclaimer: ~ International Airport Lounges: To gain access to participating airport lounges, you must present your Ultimate Awards card or your digital lounge access code on the Mastercard® Airport Experiences app, along with your boarding pass and identify yourself as a LoungeKey member for validation. Each time you visit a lounge, you will be charged a lounge visit fee to your Ultimate Awards card. You will also be charged a lounge visit fee for each additional guest you bring with you. Please note, your lounge access may be blocked if your primary account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard® Airport Experiences app or airport.mastercard.com to select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit airport.mastercard.com or call +61 2 7202 3584, 24/7. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Enter your Qantas Frequent Flyer membership number within your CommBank Ultimate Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: † Earning Qantas Points: You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). You can earn 0.5 Qantas Points for every $1 spent on eligible purchases you make on the CommBank Diamond Awards credit card. Points are capped at 400,000 Qantas Points a year.  The number of points required for Diamond Awards cards are subject to change at any time without notice.

Disclaimer: Ω Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Disclaimer: ± Insurances: International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information BookletOpens external site in a new window (PDF) for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. View more International travel insuranceOpens external site in a new window information.

Enter your Qantas Frequent Flyer membership number within your CommBank Diamond Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: ** Earning Qantas Points: You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). You can earn 0.4 Qantas Points for every $1 spent on eligible purchases you make on the Platinum Awards card. Points are capped at 60,000 Qantas Points a year. The number of points required for Platinum Awards cards are subject to change at any time without notice.

Disclaimer: ^^ Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Disclaimer: ++ Insurances: International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information BookletOpens external site in a new window (PDF) for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (CBA) receive a commission which is a percentage of your premium. View more International travel insuranceOpens external site in a new window information. 

Enter your Qantas Frequent Flyer membership number within your CommBank Platinum Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: ## Earning Qantas Points: You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). You can earn 0.4 Qantas Points for every $1 spent on eligible purchases you make on the CommBank Awards credit card. Points are capped at 20,000 Qantas Points a year. The number of points required for Awards cards are subject to change at any time without notice.

Disclaimer: ~~ Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Disclaimer: †† Lock, Block, Limit: Lock, Block, Limit does not apply to transactions that are flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Except for the spending cap, transactions made via Tap & Pay set up on a compatible smartphone or via a PayTag are not blocked. Some transactions made via CommBank branches, telephone, online or mobile banking, including transfers to other accounts, bill payments, and assisted cash withdrawals are also excluded. Other conditions apply.

Enter your Qantas Frequent Flyer membership number within your CommBank Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program. 

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: ΩΩ Earning Qantas Points: You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). You can earn 0.4 Qantas Points for every $1 spent on eligible purchases you make on the CommBank Business Awards credit card. Points are capped at 60,000 Qantas Points a year. The number of points required for Awards cards are subject to change at any time without notice.

Disclaimer: ±± Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in.This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Enter your Qantas Frequent Flyer membership number within your CommBank Business Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Commonwealth Bank’s terms and conditions are available on application. Fees and charges apply. All applications for credit are subject to Commonwealth Bank credit assessment criteria.

Disclaimer: *** Earning Qantas Points: You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card).You can earn 0.4 Qantas Points for every $1 spent on eligible purchases you make on the Business Platinum Awards card. Points are capped at 120,000 Qantas Points a year. The number of points required for Business Platinum Awards cards are subject to change at any time without notice.

Disclaimer: ^^^ Qantas Points opt-in annual Fee: You need to opt-in to Qantas Points in your CommBank credit card application or by visiting the CommBank Awards website Redeem Travel page or call 13 16 61. There is a non-refundable $30 annual fee for opting-in and each subsequent year on the anniversary of your opt-in. This additional annual fee is charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points.  Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program, available at qantas.com/terms.

Enter your Qantas Frequent Flyer membership number within your CommBank Business Platinum Awards credit card application. 

Existing CommBank Awards Cardholders can opt-in to Qantas points and enter their Qantas Frequent Flyer membership number via the CommBank Awards website or by calling 13 16 61. 

If you opt-in to earn Qantas Points, points you earn are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point. 

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and ConditionsOpens external site in a new window (PDF). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.