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The CommBank Awards is a credit card that allows you to earn points for rewards, such as products, travel, and cashback. If you’re interested in applying, follow this step-by-step guide to understand the application process, eligibility requirements, and what to expect after approval.
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AUSTRALIA – STEP-BY-STEP GUIDE ON HOW TO APPLY FOR THE COMM BANK AWARDS CREDIT CARD
The CommBank Awards Credit Card is a versatile rewards card designed for Australians who want to earn points on everyday purchases, redeemable for travel, shopping, gift cards, and more.
This step-by-step guide will show you exactly how to apply directly through the official Commonwealth Bank (CommBank) website.
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1 – Access the CommBank Homepage
Visit the official CommBank website: https://www.commbank.com.au/
From the homepage, you can explore various personal banking options, including credit cards, loans, and digital banking services.
2 – Go to the “Credit Cards” Section
On the main navigation bar, click the second option, labeled “Credit Cards.”
This section lists all available CommBank credit card products.
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3 – Browse the Available Credit Cards
On this page, you’ll find detailed information about multiple CommBank credit cards, including:
- Low Fee Credit Card
- Low Rate Credit Card
- CommBank Neo Card, among others
Select the fourth option — the Awards Credit Card — to proceed.
4 – Review the CommBank Awards Credit Card Details
On the Awards Credit Card page, you’ll find complete information about the card, including:
- How to earn CommBank Awards points on everyday spending
- Bonus points for new applicants
- Annual fees and interest rate details
- Included travel and insurance benefits
Click the green “Apply Now” button to start your application.
5 – Choose to Log In or Apply as a New Customer
After clicking “Apply Now,”, a pop-up window will appear with two options:
- Create an account if you are a new customer
- Log in if you already bank with CommBank
6 – Complete the Application or Log In
You’ll then be redirected to the CommBank login page.
Follow the instructions based on your situation:
- If you already have a CommBank account, log in to complete your application using your existing details.
- If you don’t have an account, follow the steps to apply as a new customer and submit your details securely online.
After submission, your application will be reviewed. Once approved, your CommBank Awards Credit Card will be mailed directly to you.
Final Notes
The CommBank Awards Credit Card is an excellent choice for Australians who want flexible rewards, bonus points, and premium benefits.
With easy online application, access to CommBank’s secure banking platform, and a wide range of rewards redemption options, it provides a practical and rewarding solution for everyday spending.
Step 1: Accessing the Application
To start your application:
- Visit the official CommBank website and navigate to the Credit Cards → Awards section.
- If you are already a CommBank customer, log in using NetBank or the CommBank app to prefill some of your personal information.
- If you are a new customer, click “Get started” to begin a new application.
Step 2: Basic Requirements
Before applying, make sure you meet the following eligibility criteria:
- Minimum age: 18 years old.
- Residency: Australian citizen, permanent resident, or valid visa holder.
- Credit history: Not under bankruptcy or insolvency.
- Financial capacity: Ability to meet the card’s obligations.
Step 3: Benefits and Features
When applying for the CommBank Awards, you will enjoy several benefits:
- Points earning: Earn 1 point for every $1 spent on eligible purchases, up to $2,000 per statement period. After this, points are earned at 0.5 per $1 spent.
- Unlimited points: No annual cap on points accumulation.
- Cashback: Access cashback offers through the CommBank Yello program in the app.
- Monthly fee: $8 per month.
- Purchase interest rate: 20.99% p.a.
- Interest-free period: Up to 44 days on purchases.
- No fees for additional cardholders.
- Minimum credit limit: $500.
Step 4: Submission, Approval & Activation
After submitting your application:
- CommBank will perform a credit assessment.
- If approved, the card will be mailed to your Australian address.
- Once received, activate the card via NetBank, the CommBank app, or by phone.
- Start using your card while enjoying its rewards and benefits.
Overview of CommBank
The Commonwealth Bank of Australia (CommBank) is one of the largest and most trusted financial institutions in Australia. With a long-standing reputation, CommBank provides a wide range of banking products and services, including everyday banking, loans, investments, and credit cards.
Credibility and Trust
- History: Founded in 1911, CommBank has a long-standing record of reliability and stability in the Australian banking sector.
- Regulation: Supervised by the Australian Prudential Regulation Authority (APRA) and the Australian Securities and Investments Commission (ASIC), ensuring compliance with national financial regulations.
- Innovation: Pioneer in digital banking solutions, offering platforms like NetBank and the CommBank app, recognized for security and ease of use.
National Presence
With an extensive network of branches and ATMs, CommBank serves customers across Australia, ensuring convenience and accessibility.
CommBank
Frequently Asked Questions (FAQ)
1. What is the CommBank Awards card?
The CommBank Awards is a credit card that lets you earn points for rewards, including products, travel, and cashback, based on your spending.
2. What credit limits are available?
The minimum credit limit is $500. Higher limits may be assigned based on your credit assessment.
3. Are there additional fees?
No. The CommBank Awards card does not charge fees for additional cardholders.
4. How can I earn cashback?
Use the card to access cashback offers through the CommBank Yello program in the app.
5. Can I add an additional cardholder?
Yes, at no extra cost.
6. What happens if I don’t use the card?
Even if you don’t use the card, monthly fees still apply. Full terms are outlined in the CommBank disclosure documents.
7. How can I manage my spending?
Use the tools in the CommBank app to monitor and control your transactions.
8. Does the CommBank Awards card offer rewards?
Yes, points can be redeemed for a wide range of rewards, including products, travel, and cashback.
9. Can I use the card for international purchases?
Yes, the card can be used for international purchases, though international transaction fees may apply.
10. How do I apply for the card?
Apply online through the official CommBank website using NetBank, the CommBank app, or by starting a new application if you’re a first-time customer.
