If you are using LDC - based on you can earn up to $32000 combined income and receive maximum childcare benefit.

97% means you will get 97% of the hourly rate paid by the government. You need to understand that most centres charge above the hourly rate (much as with a doctor who charges over the scheduled fee).
So to simplify it (hopefully), at my centre, the full price is $55/day. A family on full CCB - 100% pays around $7.50/day - so you are looking at (depending on what the centre charges) around $10 per day.
This varies slightly dependant on the number of days you use, and your hour allowance from centrelink.
Working families normally are allowed 50 hours of care per week (that they pay the reduction for), not working families usually only get 24 hours of care.
Centres usually charge for a full 12 hour (maybe 10 or 11) day - so to avoid paying full price for the 5 day (as centrelink only pays 2hours of your 5th day) you are best off using 4 days per week or less.

As already mentioned, if you are working, you will also get 50% of your part of fees back each quarter - so in reality, you are only paying maybe $5/day for care!