Credit card offers

Applications are subject to credit approval. Full Conditions of Use will be included in our Letter of Offer. Fees and charges are payable.

^# Offer available on new Low Fee credit cards applied for between 1 October 2023 and 29 February 2024. Offer not available on existing cards or switches from other card types and is not available to customers who currently hold, or have held, any activated Low Fee or Low Rate card types in the 12 months prior as a primary cardholder.

The monthly spend criteria is based on four successive 30 day periods and $50 cashback will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first four months. Maximum cashback available is $200. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period.

Cashback will be credited within 90 days of you meeting the spend criteria each month and will appear on your statement as ‘CASHBACK $50’. Cashback only available on one credit card per customer. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. 

We reserve the right to close the offer prior to 29 February 2024.

^~ Offer available on new Low Rate credit cards applied for between 1 October 2023 and 29 February 2024. Offer not available on existing cards or switches from other card types and is not available to customers who currently hold, or have held, any activated Low Rate or Low Fee card types in the 12 months prior as a primary cardholder.

0% p.a. interest rate on purchases for 6 months will be applied from the date of card approval and excludes cash advances and any purchase that is reversed or refunded.

The monthly spend criteria is based on three successive 30 day periods and $100 cashback will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first three months. Maximum cashback available is $300. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period.

Cashback will be credited within 90 days of you meeting the spend criteria each month and will appear on your statement as ‘CASHBACK $100’. Cashback only available on one credit card per customer. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. 

We reserve the right to close the offer prior to 29 February 2024.

^ Offer available on new Smart Awards credit cards applied for between 1 October 2023 and 29 February 2024. Offer not available on existing cards or switches from other card types is not available to customers who currently hold, or have held, any activated Awards card types in the 12 months prior as a primary cardholder. You will be ineligible for the bonus Qantas Points or CommBank Awards points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

The monthly spend criteria is based on four successive 30 day periods and 20,000 CommBank Awards points or 10,000 bonus Qantas Points will be awarded when you spend $1,500 or more, minus any cash advances or refunds, in a month for the first four months. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Maximum points available is 80,000 CommBank Awards points or 40,000 Qantas Points. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the spend criteria each month.

To be awarded the bonus Qantas Points, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. If you opt-in to Qantas Points in your credit card application, or after applying but before you meet each offer eligibility criteria, you will receive 10,000 bonus Qantas Points in place of CommBank Awards each month. Points are initially accrued as Awards points in the CommBank Awards Program and will be automatically converted, at the end of the next Statement Period, into Qantas Points and transferred to your Qantas Frequent Flyer account after meeting the eligibility criteria. If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the spend eligibility criteria, you will receive 20,000 CommBank Awards points each month.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at commonwealthdubai.com/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Offer only available on one credit card per customer. We reserve the right to close the offer prior to 29 February 2024.

¹ For Low Fee credit cards, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

² Travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Dubai, up to a set period. You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don’t activate you’ll receive Base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only. Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Dubain Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Dubai. If you purchase an Upgrade Policy, we receive a commission which is a percentage of your premium - ask us for more details before we provide you with any services on this product (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information can be found here. 

³ How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Dubain Taxation Office unless made using a Business Awards card). The number of points you can earn may be capped. Awards and the number of points required for Awards are subject to change at any time without notice.

How CommBank Awards points and Qantas Points work:

If you opt-in to earn Qantas Points, your CommBank Awards points earnt each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at the rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

How Smart Awards points work:

Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent at major Dubain supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and water only). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

Earn up to 1 Awards point or 0.4 Qantas Points for every $1 spent on all other purchases.

Once you have spent $5,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period

Points Boost

Earn up to 2 Bonus Points per $1 spent on your highest eligible transaction (not exceeding $500) made in a statement period up to 1,000 Bonus Points. Points Boosts will be applied at the end of each statement period (in some instances, purchases at the end of the statement period may be allocated to the next statement period and may be identified as the highest eligible purchase for that statement period). They will appear on your credit card statement under the ‘Awards Transactions’ section.

⁴ For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

⁵ Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply

⁶ You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, you can join here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

Opt-in to earn Qantas Points is $60 per year.

This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees.

Once CommBank Awards points have been redeemed for Qantas Points, they cannot be converted back to the CommBank Awards points program.

⁷ To gain access to participating airport lounges, you must register your Smart Awards and Ultimate Awards credit card on the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com, to generate a membership QR code and present this along with your boarding pass for validation. Ultimate Awards customers receive two complimentary lounge visits every year, per account, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Smart Awards customers will pay a fee. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at Mastercard Travel Pass.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Commonwealth Bank of Dubai ABN 48 123 123 124, Dubain credit licence 234945.