CAN YOU THINK OF OVER 1,000 WAYS TO REWARD YOURSELF? WE CAN.

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CAN YOU

THINK OF OVER

1,000 WAYS

TO REWARD

YOURSELF?

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THE LARGEST

REWARDS PROGRAM

Welcome to CommBank Awards. Inside, you’ll find all

the information on our range of partners, travel, Gift

Cards and Awards.

Your guide to the Awards program

03 Frequent Flyer

06 Bonus Partners

07 Merchandise

08 – 09

Gift Cards

10 Flight Centre

04 Myer 05

How to Redeem

11

* _Source:_{Roy Morgan Research September 2014. Based on number of customers with rewards or loyalty cards.}

OVERVIEW

TRAVEL

GIFT CARDS & MERCHANDISE

PAY WITH POINTS PARTNERS

HOW TO REDEEM

OF ANY BANK IN

AUSTRALIA.*

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.

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It’s never been

easier to earn points

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.

Partner Offers

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.

Awards points earned per dollar spent

YOUR GUIDE TO

THE AWARDS PROGRAM.

Tier

American Express

MasterCard/Visa*

Awards

up to 1.5

up to 1

Gold

up to 2

up to 1

Platinum

up to 2.5

up to 1

Diamond

up to 3

up to 1.25

* Diamond Awards Visa Card is available for existing customers only.

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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.

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.

TRAVEL AT FLIGHT CENTRE

How to redeem your points

TURN YOUR COMMBANK

AWARDS POINTS INTO

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PURCHASES AT MYER.

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.

Exclusive to CommBank Awards credit card customers.

Head in to any

Myer store

and get browsing.

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.

Enjoy.

And don’t forget, if you have a MYER one card,

you can earn credits on these purchases too.

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.

POINTS BECOME

Rewards on the spot with Myer and

CommBank Awards

How it works

1

2

3

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THE SKY’S THE LIMIT

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.

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.

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.

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

Awards 2.5 CommBank Awards points

Gold 2.5 CommBank Awards points

Platinum 2.5 CommBank Awards points*

Diamond 2.5 CommBank Awards points*

1 Qantas Frequent

Flyer point = 1 Velocity Frequent Flyer point =

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SHOP WITH OUR

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.

*Bonus points earn is for online shopping only. ^_{Bonus points earn is for in-store only.}

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* 1 Bonus point per $1 spent 1 Bonus point per $1 spent

1 Bonus point

per $1 spent* 2 Bonus points per $1 spent 1 Bonus point per $1 spent 1 Bonus point per $1 spent*

BONUS PARTNERS.

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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.

AWARD YOURSELF

You can always find the perfect way to treat

yourself with our huge range of Apple products.

You can check out even more great Awards. Redeem through the CommBank app or log on to

netbank.com.au

64GB – Rose Gold.

340,800 pts. Code 820843. Points + Pay: 102,300 + $1002.

16GB – Silver.

Wi-Fi 16GB – Space Grey.

154,800 pts. Code 820848. Points + Pay:46,500 + $445.

4th Generation 32GB.

38mm – Space Grey/Black Band.

136,300 pts. Code 820858. Points + Pay:40,900 + $392.

iPHONE 6s

iPOD NANO

HOWEVER YOU LIKE.

iPAD MINI 4

APPLE TV

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Flex Wireless Wristband – Black.

YOU CAN SPOIL YOURSELF

There’s something for everyone with these

great gift ideas (including you).

PLAY Drinks Maker.

SoundTouch® 10 wireless music system.

Bon Air Expandable Spinner - 75cm Black.

4 Slice Toaster and Kettle Set - Steel Grey.

RX 1700.

V6 Absolute Handstick.

205,400 pts. Code 820185. Points + Pay: 61,700+ $590.

Points amount as at March 2016 and are subject to change.

(OR SOMEONE ELSE).

SODASTREAM

DELONGHI SCULTURA

FITBIT

AMERICAN TOURISTER

DYSON

NUTRIBULLET

BOSE

®

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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.

GIFT CARD

GIVING.

Discover our huge range of

Gift Cards

$25 Gift Card

5,400 pts

$50 Gift Card

10,700 pts

$100 Gift Card

20,000 pts

$250 Gift Card

50,000 pts

$500 Gift Card

100,000 pts

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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.

Select the Cards icon and tap on the Awards link

below your CommBank Awards card.

Browse the categories.

Add to Cart, Checkout

and enjoy your Awards.

Log on to NetBank

Log on to the CommBank app

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.

HOW TO REDEEM

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.

YOUR POINTS.

Two easy ways to redeem in 3 easy steps:

1

2

3

1

2

3

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EXTRA CREDIT CARD SECURITY

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

or

.

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.