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

CAN YOU

THINK OF OVER

1,000 WAYS

TO REWARD

YOURSELF?

WE CAN.

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.

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

customers only.

GET FROM POINT TO POINT,

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 to know before you Can: 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.

WITH COMMBANK AWARDS.

Turn your CommBank Awards points into

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.

Things to know before you Can: CommBank Awards points are redeemable in store at Myer only. Minimum of 186 points and a maximum of 1 million points redemption per day applies. 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. Refer to the CommBank Awards Program Terms and Conditions for full details.

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 credit card.

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

you can earn credits on these purchases too.

POINTS BECOME

Rewards on the spot with Myer and

CommBank Awards

How it works

1

2

3

Things to know before you Can: 1_{To opt-in to Qantas Frequent Flyer Direct, call 13 1661. There is a $10 annual fee ($30 from 2 November 2015) 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 (effective 2 November 2015) unless made using a Business Awards card, or balance transfers) - see commbank.com.au/creditcardstc for more information and are subject to points capping. Points 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. 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 _{Awards members can earn 1 Velocity Point for every 2.5 Awards points redeemed for Standard and Gold customers, and 1 Velocity Point for every 2 Awards points redeemed for Platinum and Diamond customers as advised in CommBank}

Awards Terms and Conditions. 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

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

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 CommBank Awards points Diamond 2 CommBank Awards points

1 Qantas Frequent

Flyer point = 1 Velocity Frequent Flyer point =

THE SKY’S THE LIMIT

CommBank Awards are all about flexibility. There’s 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.

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.

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

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

BONUS PARTNERS.

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.

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 August 2015 and are subject to change. iPhone 6 Plus is bigger and

better. 5.5-inch Retina HD display, A8 chip with 64-bit desktop-class architecture, new 8-megapixel iSight camera with Focus Pixels and optical image stabilisation. Touch ID fingerprint identity sensor. iOS 8 and iCloud. 16GB – Gold. 247,800 pts. Code 819628. Points + Pay: 74,400 + $902. 2GB – Silver. 19,700 pts. Code 817205. Points + Pay: 6,000 + $66.

Wi-Fi 64GB – Space Grey. 138,200 pts. Code 819612. Points + Pay: 41,500 + $494.

AWARD YOURSELF

You can always find the perfect way to treat

yourself with our huge range of Apple products.

25,700 pts. Code 813458. Points + Pay: 7,800 + $88.

30,500 pts. Code 816391. Points + Pay: 9,200 + $105.

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

netbank.com.au

iPHONE 6 PLUS

iPOD SHUFFLE

iPAD MINI 3

HOWEVER YOU LIKE.

WIRELESS KEYBOARD

YOU CAN SPOIL YOURSELF

There’s something for everyone with these

great gift ideas (including you).

6 Piece Cookware Set. 60,900 pts. Code 819176. Points + Pay: 18,300 + $213. Aspect 4 Slice Toaster – White.

29,700 pts. Code 820209. Points + Pay: 9,000 + $102.

Soundlink® _Mini

Bluetooth® _{Speaker II.}

58,300 pts. Code 820211. Points + Pay: 17,500 + $204. V6 Absolute Handstick Vaccum. 168,900 pts. Code 820185. Points + Pay: 50,700 + $603. Go-Anywhere BBQ. 34,200 pts. Code 819430. Points + Pay: 10,300 + $118.

Points amount as at August 2015 and are subject to change.

Flex Wireless Wristband – Black. 23,300 pts. Code 818783. Points + Pay: 7,000 + $80.

Lite Series Luggage Set – Black. 54,300 pts. Code 818712. Points + Pay: 16,300 + $190.

(OR SOMEONE ELSE).

WEBER

ANOLON ENDURANCE

MORPHY RICHARDS

BOSE

DYSON

FITBIT

CARIBEE

09

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

4,900 pts

$50 Gift Card

9,800 pts

$100 Gift Card

18,600 pts

$250 Gift Card

46,500 pts

$500 Gift Card

93,000 pts

Gift Card

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

Things to know before you Can: The earning and redemption of Commonwealth (CommBank) Awards points are subject to the Terms and Conditions of the CommBank Awards Program available at commbank.com.au. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances, payments to the Australian Taxation Office (effective 2 November 2015) unless made using a Business Awards card, or balance transfers) - see commbank.com.au/ creditcardstc for more information and are subject to points capping. Awards and the number of points required for Awards are subject to change at any time. Offers and Awards may be changed, amended or varied at any time without notification. Please allow up to 10 business days for delivery from date of redemption. 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.

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

YOUR POINTS.

Two easy ways to redeem in 3 easy steps:

1

2

3

1

2

3

11

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 to know before you Can: Excludes transactions flagged as recurring (e.g. direct debits) and transactions not sent to us for authorisation. Other Terms & Conditions apply. ADV13416 010915.

BLOCK ATM cash advances

Now you can block ATM cash advances if you don’t want

to withdraw cash from your credit card.

LIMIT your spending

Set a limit per transaction, then whenever a purchase is above

that limit, it’ll be declined and we’ll alert you.

LOCK international payments

If you’re not shopping on an international website or travelling

overseas you can lock international online and in-store payments.

Then simply unlock them instantly whenever you need to.

LOCK your card temporarily

If you misplace your credit card, you can temporarily lock it while

you look for it. Then unlock it when you find it again.

And if your card is lost, you can now instantly cancel it and order

a replacement card through the CommBank app or via NetBank.

WHEN YOU NEED IT.