How do commonwealth awards work

And when the time comes to make a payment, you won't even need your wallet, as Apple Pay is also available. The lock, block and limit feature of the Awards Credit Card gives you added security when you need it. For instance if you accidentally misplace your card you can put a temporary block on the card while you look for it, and then unlock it again when its found.

You can block overseas transactions online or in store , give yourself a set per transaction purchase limit and block any ATM cash withdrawals. This card links to the largest awards program of any bank in Australia so it is ideal for people who want flexibility in what they use their points for.

Transfer points to a range of airline programs or redeem points at Flight Centre, instore at Myer, gift cards, cash back or thousands of items from the Awards website. Our calculations are designed to help you compare the value of different rewards schemes.

Most cards will also offer other rewards, which may be worth more or less than the ones we've shown. We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results. We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays.

For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines which we use when rewards are travel agent vouchers.

For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

We make every effort to ensure our calculations are correct and up to date but make no guarantees. Receive personalised cashback offers based on your spending history with CommBank Rewards.

Initial process to sell their products were excellent. Getting ongoing support is impossible due to call center unreachable. Ok but like all banks need to read and understand details of account. I feel CBA is a good bank. When I call for support I normally speak to someone based in Australia which is nice. You can use the card anywhere. The best part of the card is getting points and spending them on rewards, although you do have to spend a lot.

The bank staff are mostly very friendly although during Covid the hardship telephone centre people I have not found to be very professional or kind and helpful, even to the extent that I did not even get called back. Ratings are just one factor you may want to consider when choosing a financial product.

Our ratings have been determined without considering your personal objectives, and a product with a high rating may not be the best one for you. Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website.

These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. You do not pay any extra for using our service. Currently, people who have opted-in to Qantas Frequent Flyer Direct have lower annual points caps than those who earn Awards Points. As of 1 December , the following changes are being made to these caps:. This means that people earning Award points and those earning Qantas Points will have the same yearly cap based on their card.

In addition to this change, any Award points you have in your account will also be automatically transferred to your linked Qantas Frequent Flyer account from the start date of your December statement.

You can compare the different exchange rates you can expect when you transfer CommBank Awards to frequent flyer points below:.

These two partners also offer Points Plus Pay, which allows you to make up for a points shortfall with cash when making a redemption. Note that minimum and daily maximum point limits apply and are subject to the terms and conditions of the CommBank Awards program. In addition to in-store and frequent flyer rewards, you can use your CommBank Awards points for any of the following:.

It is critical to compare cards before you decide which one is right for you. You should consider the following key factors:. CommBank Awards is a popular credit card rewards program, but there are many others on the market.

So when considering a CommBank rewards credit card, remember to compare your options among other rewards credit cards. Also weigh up the potential costs of a card in comparison to its potential benefits before deciding if it will be the most suitable one for you.

Amy Bradney-George has been writing about personal finance for more than 13 years — including over articles as a senior writer for Finder. Australians have been slugged with yet another Netflix price rise — are you better off without it?

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You may visit our guide to the Qantas Frequent Flyer Program to know how to join the program. Optional, only if you want us to follow up with you. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.

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You may need to pay a joining fee. Membership and the earning and redemption of points are subject to the Qantas Frequent Flyer program terms and conditions. Call 13 11 31 with any further questions. 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.

More information is available at myer. Points cannot be redeemed for cash. A maximum of 1 million points redemption per day applies. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Myer stores Australia-wide.

Customers must use their Awards credit card to pay with points at Myer. 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. Hamburger Menu Dialog Open. CommBank Search. Dialog start. Search CommBank. Start typing…. Popular searches. Important update from our Awards Partners Some Awards Partners are impacted by the current coronavirus restrictions, this may mean some redemption offers are temporarily unavailable.

How the Awards Program works. You can: Earn points on everyday credit card purchases with no expiry on points Redeem Awards points in-store at any Myer or Flight Centre Redeem Awards points for a range of Awards items on the Awards site including Gift Cards, electronics, travel and cash back Easily check your Awards points balance in NetBank or the CommBank app Earn Bonus Points when you make purchases with your credit card at one of our bonus partners including the Bonus Points eShop.

Credit card. Platinum Awards. Diamond Awards.