POINTS INTO AWARDS.

YOU CAN TURN YOUR

The CommBank Awards Team

Hello,

Make the most of your CommBank Awards experience.

We’re here to help you make the most of Australia’s largest credit cards rewards program*. You can keep building up your points balance, then redeem for over 1,000 items in the Awards program.

Need a holiday? You can turn your Awards points into travel at Flight Centre.

Do you love shopping at Myer? Don’t forget you can redeem your points on the spot for your purchases at any register in-store.

Also, see the latest brands and products that are available to redeem from our Awards store including Apple, Fitbit and also a large range of Gift Cards like Coles or Myer.

We have also included the best way to accelerate your Awards points in the guide. That way, you’ll know how to build up enough points to treat yourself, or someone else to something special.

Start redeeming today!

LOVE AWARDS? LET US HELP YOU GET MORE.

*Source: Roy Morgan Research, customers 18+ with a rewards/loyalty card in the 12 months to February 2017.

YOUR TABLE OF CONTENTS.

3

Overview

Your guide to the Awards Program 2

How to earn points

Higher Points Merchants 4

Bonus Partners 6

Myer

Shop at Myer 8

Travel

Travel with Flight Centre 10

Qantas Frequent Flyer 13

Velocity Frequent Flyer 13

Gift Cards and merchandise

Gift Cards 14

Awards Store 16

CommBank Awards experience

Key Program Benefits 20

Terms and Conditions 22Page 18

Page 17

Page 14

Where can I shop and earn more points using my American Express Card?

How to earn CommBank Awards points.

SupermarketsDepartment

StoresPetrol

Stations

Some retailers may have American Express Card surcharges.

Awards points earned per dollar spent.1

Tier American Express Mastercard/Visa

Awards up to 1.5 up to 1

Gold Awards+ up to 2 up to 1

Platinum Awards up to 2.5 up to 1

Diamond Awards up to 3 up to 1.25

You’ll earn maximum points overseas (in-store or online) and at supermarkets, petrol stations and department stores within Australia and 0.5 points per dollar spent using your American Express card everywhere else.1

+Gold Awards cards will no longer be available for sale from 23 March 2018.

EARN 10 BONUS POINTS PER EARN 10 BONUS POINTS PER $1 SPENT AT ONSPORT.Shop online at Onsport for your latest fitness accessories and activewear.

Visit onsport.com.au/commbank

5

.com.auonsport

®

Earn even more points when you shop with our Bonus Partners.

Partner Bonus Points per $1 spent

Shopping

.com.auonsport

® 10

10

1

1

1 (in-store only)

Travel

15

1

1

1

Entertainment

1

1 (online only)

Shop with any of our Bonus Partners and earn Bonus Points for every dollar you spend on your Awards credit card. Don’t forget, points capping doesn’t apply to Bonus Points!

TREAT YOURSELF AT OUR BONUS PARTNER.

TREAT YOURSELF AT OUR BONUS PARTNER. Shop online at winedirect.com.au and earn 10 Bonus Points per $1 spent using your Awards card.

7

COMMBANK AWARDS POINTS.

SHOP AT MYER WITH

Don’t have enough points? Use the points you have and pay the rest with your

CommBank Awards credit card.

Head to the register and present your CommBank Awards credit card and ask to

Pay with Points.2

Choose what you’d like to buy at any Myer store.

How to redeem in-store at

9

TURN YOUR COMMBANK AWARDS

How to redeem at

Don’t have enough points? Use the points you have and pay the rest with your

CommBank Awards credit card.

Ask to Pay with Points when making a booking3.

Visit a Flight Centre consultant in-store or call 1300 165 033.

POINTS INTO YOUR DREAM HOLIDAY.Redeem your Awards points for travel3 with no blackout dates at Flight Centre – choose any seat, any airline, any destination at any time.

You can also redeem your points at these travel retailers:

HOLIDAY YOU’VE BEEN DREAMING OF.

GET CLOSER TO THAT

The sky’s the limit with your Awards points.

2.5 CommBank Awards points.

2.5 CommBank Award points.

2 CommBank Award points.

13

1 Qantas Point =

You must be a Qantas Frequent Flyer member to opt in to Qantas Frequent Flyer Direct and earn Qantas Points. Once you have opted in, all of your Awards points will be automatically transferred to Qantas Points on a monthly basis.4

Use your Qantas Points to book a Classic Flight Reward on Qantas, Jetstar and more than 50 partner airlines and their affiliates to over 1,200 destinations globally. Taxes, fees and carrier charges are payable in addition to points required.5 To find out more, visit qantas.com/usingpoints.

1 Velocity Frequent Flyer Point = (Awards and Gold)

(Platinum and Diamond)

Airline Partners.

With Velocity, you can earn and redeem Velocity Points in Australia and around the globe.6

You have the flexibility to transfer your points to our airline partners, Qantas or Velocity, to help you get closer to that holiday you’ve been waiting for!

REDEEM NOW FOR OUR HUGE

RANGE OF GIFT CARDS. From shopping sprees at Myer to sporting goods at Rebel, the basics like groceries at Coles and fuel at Caltex, we’ve got Gift Cards with partners that have everything covered.7

Gift Cards available:

NEED A GIFT IN 1 HOUR? REDEEM FOR AN EMAIL GIFT CARD NOW.

Discover our huge range of Gift Cards.

5,700 pts

11,300 pts

21,000 pts

52,500 pts

105,000 pts

210,000 pts

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For the full range of Email and Mail Gift Cards visit the CommBank Awards website via the CommBank app or NetBank.

7Points required correct as at March 2018 but subject to change. Mastercard Prepaid Gift Cards excluded.

$25 Gift Card

$50 Gift Card

$100 Gift Card

$250 Gift Card

$500 Gift Card

$1000 Gift Card

WITH THESE GREAT GIFT IDEAS.With over 1,000 Awards products available in the Awards Store, you have a variety of different options to redeem your points. Not enough points? Make sure you check out the Points + Pay option.8

SPOIL YOURSELF OR A LOVED ONE

Browse Redeem Awards, select your item and then add to cart.

Your Awards will be delivered shortly.

Log in to NetBank. Tap or click the icon next to your Awards credit card.

All the latest products in the Awards Store.7

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WEBER BABY Q Portable BBQ LPG Gas BBQ, RRP $319. Code 819489.84,700 pts.

SODASTREAMPLAY Drinks Maker, RRP $99.95. Code 820344.30,500 pts.

ghd PLATINUM® Black Styler, RRP $315. Code 821988.83,900 pts.

GLASSHOUSE FRAGRANCESMontego Bay, 350g Coconut and Lime Candle, RRP $42.95. Code 819485.13,000 pts.

HOT PICK

FROM116,500POINTS

83,900 POINTS

APPLEApple Watch Series 3 GPS, RRP $459.From 116,500 pts.

Great products at the CommBank Awards Store.

7Points required correct as at March 2018 but subject to change.

FITBITCharge 2, RRP $249. 63,800 pts.

LONELY PLANETKids Boredom Buster, RRP $14.99. Code 822036.2,300 pts.

MOKI AQUABASSWaterproof Bluetooth Speaker, RRP $69.99. Code 822569.12,600 pts.

FROM449,200

POINTS

BOSE® WAVE® SoundTouch® Music System IV, RRP $999.226,700 pts.

AMERICAN TOURISTERBon Air Medium 66cm Expandable Hardside Suitcase, RRP $279. 52,300 pts.

52,300 POINTS

AMAZON ECHO2nd Generation, Heather Grey Fabric, RRP $149. Code 823164.42,800 pts.

BOSE® QUIETCOMFORT®

35 wireless headphones II, RRP $499.95.117,500 pts.

APPLE12-inch MacBook, RRP $1,899.From 449,200 pts.

NEW

HOT PICK

SMEG 1.7L 50’s Retro Style Aesthetic Electric Kettle, RRP $199.49,500 pts.

NUTRIBULLETRX 1700, RRP $399. Code 820881.102,300 pts.

GO PROHERO6 Black, RRP $599.95. Code 823116.150,200 pts.

APPLE Apple TV 4K 32GB – RPP $249. Code 822796.From 63,300 pts.

150,200 POINTS

APPLENew AirPods, RRP $229. Code 822775.63,500 pts.

APPLEiPod Touch 128GB, RRP $449.109,000 pts.

63,500 POINTS

DELIVERY IS INCLUDED ON ALL AWARDS STORE PURCHASES!

7Points required correct as at March 2018 but subject to change.

19

COMMBANK AWARDS EXPERIENCE.

MAKE THE MOST OF YOUR

No International Transaction Fees.Platinum and Diamond Awards customers pay no international transaction fees on overseas purchases made with your American Express Card - in-store and online.

Turn your points into travel.Redeem your Awards points for flights, hotels, holiday packages, cruises and more, when you book your next trip with Flight Centre.

Discover Connect by American Express.Enjoy access to great offers, pre-sale tickets, shopping, travel and dining benefits.

$

Earn more points with our Bonus Partners.Earn Bonus Points for every $1 spent on your Awards card at any of our Bonus Partners. Enjoy Awards sooner, as your Bonus Points aren't capped.

International travel insurance included.Gold, Platinum and Diamond Awards customers can receive comprehensive cover for you, your spouse and dependent children.

Activate your cover before each trip via the

CommBank app or NetBank.9

Mastercard accepted at 43 million* locations.Your Mastercard is accepted at over 43 million locations worldwide, making it even easier to earn more points.

Enjoy extra control at your fingertips.Lock, Block, Limit®

gives

you more ways to control and customise your credit card via the CommBank app or NetBank.10

Pay with Points in-store at Myer on the spot!Treat yourself by redeeming your Awards points at any Myer store across Australia.

21

*The Nilson Report, Issue 1095 from

September 2016.

TERMS AND CONDITIONS.1Higher Points Merchants: To earn points at the higher rate, the business must be a Higher Points Merchant, which means a business or organisation in Australia classified as a ‘supermarket’, ‘department store’ or ‘service (petrol) station’ for the purposes of American Express transactions, excluding any business or organisation paid using an intermediary payment platform, for example, PayPal. CommBank Awards relies on the way a business is classified for American Express transactions to pay Awards points at the higher rate. These classifications are not controlled or set by CommBank Awards and we are not responsible if a business is classified incorrectly or changes its classification. Exceptions may apply if an individual merchant does not accept American Express as a form of payment.2Myer: Pay with CommBank Awards points available in-store at Myer only. Ask a Myer team member in-store to check the redeemable value of your points. Some exclusions apply, including using points to pay Myer card accounts, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at myer.com.au. Points cannot be redeemed for cash. A minimum of 200 points and a maximum of 1 million points redemption per day applies. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions.3Flight Centre: 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 the CommBank Awards program terms and conditions 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, Student Flights & Travel Associates.4Qantas Frequent Flyer: To opt-in to Qantas Frequent Flyer Direct, call 13 1661 or visit the Awards website Redeem Travel page. There is a $30 annual opt in fee. As soon as you have opted in to Qantas Frequent Flyer Direct, all CommBank Awards points earned will be automatically transferred to Qantas Points and credited to your Qantas Frequent Flyer account on a monthly basis. It is important to note that any CommBank Awards points earned prior to the date of your opt-in will not be transferred to Qantas Points. You must be a Qantas Frequent Flyer member to earn and redeem Qantas Points. A joining fee may apply. Membership and Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com/terms or call 13 11 31.5Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Reward seats available. The Qantas Points required may vary at the time of booking. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) in addition to the Qantas Points required. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. For more information, visit qantas.com/classicflightrewards.

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6Velocity Frequent Flyer: 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.7Gift Cards and Merchandise: Points required are correct as at March 2018 and are subject to change. Merchandise and mail Gift Cards will take up to 10 working days. Email Gift Cards will be received within 1 hour. Selected Apple products may take longer than 10 business days for delivery. 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. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Product is for illustrative purposes only. 8How to redeem: 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 email Gift Card/s to your nominated email address. For all other Awards, please allow up to 10 working days for delivery. Mastercard is a registered trademark and the circles design is a trademark 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. 9Travel insurance: Credit Card Insurance is issued and managed by AWP Australia Pty Limited (trading as Allianz Global Assistance) (ABN 52 097 227 177, AFSL 245631) on behalf of the insurer Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708) for Commonwealth Bank of Australia (ABN 48 123 123 124, AFSL 234945) (‘CBA’). CBA arranges but does not issue or guarantee this insurance. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full details. If you don’t activate you’ll receive Base cover which includes personal liability cover and overseas emergency medical assistance and hospital expenses only.10Lock Block Limit: Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply.

Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945. ADV13416 230318.

Log on to the CommBank app. Select the Cards icon and tap on the Awards

link below the Awards card.

Contact us on 13 1661 weekdays between 8am-8pm (Sydney time).

Log on to NetBank and click on the Awards icon next to your credit card.

Redeem your Awards points today: