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CAN YOU

THINK OF OVER1,000 WAYS

TO SPOILYOURSELF?WE CAN.

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You can check out even more great Awards

waiting for you online. To redeem now log on to:

netbank.com.au

THE BIGGEST CREDIT

CARD REWARDSPROGRAM OF ANYBANK IN AUSTRALIA

IS ALL YOURS.

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Welcome to CommBank Awards.Inside, youll find all the information you need tomake the most of the biggest credit card rewardsprogram of any bank in Australia*.

Your guide to the Awards program 02 03

Flight Centre 05

Frequent Flyer 06

Gift Cards 07

Merchandise 08 09

Myer 04

Flight Centre 05

How to Redeem 10

* Source:Roy Morgan Research September 2014. Based on number of customers with rewards or loyalty cards.

Well give you a taste of more than 1,000 Awardsavailable to you. To check out the full range, go tothe Awards website by jumping onto netbank.com.auand clicking on the Awards icon

next to your

credit card details.

OVERVIEW

TRAVEL

GIFT CARDS & MERCHANDISE

PAY WITH POINTS PARTNERS

HOW TO REDEEM

01

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Its neverbeen easier to earnIts simple any time youre using your CommBank

Awards American ExpressCard or CommBank

Awards MasterCard on eligible purchases, youre

earning points towards rewards. Check out our tableto see how your points can grow.

Howdy, partnersWe believe in spreading good cheer. Thats why

weve teamed up with a range of partners who

will help you earn Bonus Points. Check out our

current deals on the Partner Offerspage of the

Awards website.

Dont have a CommBank AwardsAmerican Express Card?

Just register online via NetBank or call us on

13 2221, and well get you set up.

Awards points earned per dollar spent

YOUR GUIDE TOTHE 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 existingcustomers only.

You can check out even more great Awards

waiting for you online. To redeem now log on to:

netbank.com.au

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Turn your Awards points into Cash Back on your CommBank

Awards credit card.^To find out how much your Awards points

are worth, and to redeem online go to the Awards website and

select Redeem Awards > Cash Back. Or call 13 1661.

^Cash Back does not contribute to any minimum monthly payment due.

Visit theAward Specialspage on the

Awards website to find the latest specials

including points discount offers, as well as

bonus offers and brand new Awards.

If youve got an Award you would like

to save your points for, just add it to

your online Wish List and well email

you when your dream has come true.

Rewarding yourself (or someone else) is as easy as jumping

on to the Awards website anytime or calling 13 1661between

8am and 8pm, Monday to Friday (Sydney/Melbourne time).

Just log on to netbank.com.au, click , find the Redeem

Awardstab, and once youve found what you like, Add to Cart

and Checkout. Its that simple.

YOUR GUIDE TOTHE AWARDS PROGRAM.

Cash is kingGet em whiletheyre hot

Something tolook forward to

Its easy to redeem

03

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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, weve teamed up withMyer 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), technicalfailure 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 GiftCards; 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 storeand get browsing.

Choose what youd like to purchase, then:

Present your CommBank Awardscredit cardat the register and ask to pay with points.

Not enough points? Choose Points Plus Payand split yourpurchase between your CommBank Awards points and yourCommBank credit card.

Enjoy.And dont forget, if you have a MYER one card,

you can earn credits on these purchases too.

POINTS BECOME

Rewards on the spot with Myer andCommBank Awards

How it works

1

2

3

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GET FROM POINT TO POINT,

There are no blackout dates when you redeem your points fortravel at Flight Centre. Your points convert into dollars to spendat Flight Centre for travel anywhere, anytime.

Visit a Flight Centre Airfare Expert in-store.

Call 1300 165 033.

Visit the CommBank Awardswebsite to book domestic

and international flights and domestic accommodation.

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 retailbooking 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.

GET FROM POINT TO POINT,WITH COMMBANK AWARDS.Turn your CommBank Awards points intotravel at Flight Centre

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THE SKYS THE LIMIT

CommBank Awards are all about flexibility. Theres a variety of ways to transfer pointsto our airline partners, helping you get closer to that holiday youve been dreaming of.

For more information, jump on to Redeem Travel > Velocity and Qantas Frequent Flyeron the Awards website.

Things to know before you Can:1To opt-in to Qantas Frequent Flyer Direct, call 13 1661. There is a $10 annual fee charged for opting in. Qantas Points are offered by CommBank and accrue in accordance with and are subject to the CommBank Awards ProgramTerms 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 or balance transfers seecommbank.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 FrequentFlyer 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 Awardspoints 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 andredemption 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 31.2Awards 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 andConditions. 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 Members accounts within 5 business days. Please note that points can only be transferredto 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 Flyer1

To start earning Qantas points,

you need to be a member of the

Qantas Frequent Flyer program, andopt into Qantas Frequent Flyer Direct.

Once youre signed up, all future CommBank

Awards points earned will be automatically

transferred to your Qantas Frequent Flyer

account monthly.

Velocity Frequent Flyer2

With Velocity Frequent Flyer, the global frequent

flyer program of Virgin Australia, you can earn and

redeem Velocity Frequent Flyer Points around theglobe 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 pointsDiamond 2 CommBank Awards points

Awards 2.5 CommBank Awards points

Gold 2.5 CommBank Awards points

Platinum 2 CommBank Awards pointsDiamond 2 CommBank Awards points

1 Qantas Frequent

Flyer point =

1 Velocity Frequent

Flyer point =

WITH YOUR AWARDS POINTS.

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Cant find what you want here?There is even greater choice online. Simply visit

netbank.com.auand click on the

Awards icon

next to your credit card details. Or call 13 1661.

GIFT CARDGIVING.Discover our huge range ofGift 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

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AWARD YOURSELF

You can always find the perfect way to treatyourself with our huge range of Apple products.

You can check out even more great Awards

waiting for you online. To redeem now log on to:

netbank.com.au Apple, the Apple logo, iPhone, iPad and iPod nano are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

iPhone 6 isnt just bigger itsbetter in every way. A 4.7-inchRetina HD display. An A8 chip with64-bit desktopclass architecture.

A new 8-megapixel iSight camera

with Focus Pixels. The Touch IDfingerprint identity sensor. Faster 4GLTE and Wi-Fi. Longer battery life.

And iOS 8 and iCloud. All in a 6.9mmthin seamless design.

16 GB.

200,000 pts.

Points + Pay: 60,000 + $728.

Silver Code 819408.

Gold Code 819409.

Space Grey Code 819410.

iPad Air is even more affordable,yet it still packs remarkable

performance and a gorgeousRetina display into a thin, durable

aluminium enclosure.

Wi-Fi 16GB - Space Grey.

112,000 pts. Code 818809.

Points + Pay: 33,600 + $400.

29,100 pts. Code 816391.

Points + Pay: 8,800 + $100.

16GB Blue.

39,600 pts. Code 817368.

Points + Pay: 11,900 + $136.

IPHONE 6

IPAD AIR

APPLE TV

IPOD NANO

HOWEVER YOU LIKE.

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YOU CAN SPOIL YOURSELF

Theres something for everyone with thesegreat gift ideas (including you).

VIVOLITE Presspro

75cm Spinner.

50,000 pts. Code 819231.

Points + Pay: 15,000 + $172.

Brilliance Set.

40,200 pts. Code 819160.Points + Pay: 12,100 + $138.

Mix & Go Pro.

19,100 pts. Code 819389.

Points + Pay: 5,800 + $64.

DC59 Animal Handstick

Vacuum Cleaner.

122,800 pts. Code 819337.

Points + Pay: 36,900 + $439.

2 Adults.

12,900 pts. Code 310202.

Points + Pay: 3,900 + $42.

Nespresso InissiaCoffee Machine - Black.

47,400 pts. Code 819107.

Points + Pay: 14,300 + $163.

View our full range of

subscriptions online.

(OR SOMEONE ELSE).

MAGSHOP MAGAZINE

VILLAGE CINEMAS

GOLD CLASS VOUCHERS

AMERICAN TOURISTER

SWAROVSKI

DELONGHI

GEORGE FOREMAN

DYSON

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Log on to netbank.com.au

Click on the Awards icon next to your credit card details.

Go to the Redeem Awardstab and check out whats on offer.

ClickAdd to Cartif you see something you like.

Click Checkout, pop in your details and enjoy.

HOW TO REDEEM

Redeeming points is easy all you need to do is hop online to the Awards website.From there, you can see the full range of Awards, as well as view your points balanceand enjoy great specials, all day, every day.

Access to the Awards website via mobile app versions of NetBank is unavailable.

Things to know before you Can:To ensure delivery prior to Christmas please place your order before 2 December 2014. The earning and redemption of Commonwealth (CommBank) Awards points are subject to the Terms and Conditions of the CommBank AwardsProgram available at commbank.com.au. Points are earned on eligible transactions (most purchases, but not, for example, BPAY transactions, cash advances or balance transfers) and are subject to points capping. Awards and the number of points required for Awardsare 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 trademarksof 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. ADV13416 271114.

To redeem now log on to:

or call 13 16 61 between 8am and 8pm Sydney/Melbourne time, Monday to Friday.

12345

YOUR POINTS.

Heres how you can start rewarding yourself today:

netbank.com.au