CommBank Platinum Awards Credit Card

• Credit history. You must not be currently bankrupt. You can get your credit score and copy of your comprehensive credit report for free through Finder.
• Age. You must be at least 18 years old to apply for a credit card.

Required documents

• Personal information. Including your full name, current residential address, email address, contact phone numbers and date of birth.
• Details about your income. Aim to provide as much detail as possible about your income, savings and assets such as property or shares.
• Expenses and liabilities. You will need to provide information about any debts you have, as well as ongoing expenses like child support, rent, mortgage repayments or anything else that is considered a regular, essential cost.
• Other credit cards. If you want to transfer a balance to a Commonwealth Bank credit card from your existing non-Commonwealth Bank credit card(s), store card(s) or charge card(s), you will need to provide the account details, including the card number, the amount you want to transfer and the name of the issuing financial institution.

• Qantas Frequent Flyer Direct. If you're a member of the Qantas Frequent Flyer program, you can opt to earn Qantas Points with this card by enrolling in the Qantas Frequent Flyer Direct program. The points you earn will then be automatically transferred to your Qantas Frequent Flyer membership account monthly. There is a $30 annual fee for opting in to this program.
• Included insurance covers. This card offers overseas emergency medical assistance and hospital expenses insurance, cover for travel delays, cancellation cover, personal liability cover and rental vehicle excess cover. You can also get purchase security insurance and extended warranty insurance for eligible purchases made using this card. Eligibility and activation requirements apply.
• Account control. You can use the CommBank app or the online banking platform to instantly lock, block or limit how you use your card. You can lock international in-store and online payments, block cash advances and set a maximum dollar amount per transaction. Plus, if you've lost your card, you can use the Lock, Block, Limit feature to lock your card temporarily while you look for it.
• Mobile payment compatibility. You can use your eligible smartphone or smartwatch to tap and pay when you link your account with Apple Pay, Samsung Pay and Google Pay. You can also use your fitness tracker to make contactless payments if you link your card with Garmin Pay and Fitbit Pay.

• Balance transfer offer. If you're considering transferring a balance from an existing non-CommBank Australian card, this card offers an introductory 5.99% p.a. balance transfer rate for 5 months. The variable cash advance rate of 21.24% p.a. will apply to any balance remaining from the transfer at the end of the introductory period. You won't earn any points on the balance transfer.
• Cash advance rate. This card charges a variable cash advance rate of 21.24% p.a., which applies to transactions such as ATM withdrawals.
• Interest-free days. Get up to 55 interest-free days on purchases when you pay your account's outstanding balance in full by the due date on each statement.
• Additional cards. You can request an additional card for anyone aged over 16 years. If approved, the additional card attracts an annual fee of $10.