CommBank Smart Awards Credit Card Commbank

Fees

Benefits

• Rewards Program Elite Status

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  Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 on highest eligible purchase in a statement period, up to 1,000 Bonus Points or 400 Qantas Points. Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent up to $5,000 in a statement period on eligible purchases. Points reduce after $5,000 spend. Unlimited points earned annually.

• Digital Card Issuance

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  Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.

• Lounge Access

  Mastercard Travel Pass, DragonPass

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  Access to over 1,300 airport lounges worldwide for a per-visit fee via Mastercard Travel Pass provided by DragonPass; must register the card on the Mastercard Travel Pass app to generate a membership QR code; a lounge visit fee applies for the cardholder and each guest each visit

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• Flight Discounts

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  Complimentary access to book flights and hotels via Travel Booking (provided by Hopper) in the CommBank app; eligible Yello customers earn up to 10% of the booking amount back as travel credits

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• Shopping Benefits

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  CommBank Yello Cashback Offers: personalised cashback offers from partner brands activated and redeemed in the CommBank app; cashback typically received within 14 business days of a qualifying purchase

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• Travel Credits

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  CommBank Yello customers earn travel credits via Travel Booking (provided by Hopper): Plus 5% back, Gold 5% back, Diamond 10% back plus a $100 first-time-use credit; credits have a 2-year expiry

• Points Transfer Benefits

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  Opt-in to earn Qantas Points for $90 per year; CommBank Awards points are automatically transferred to Qantas Frequent Flyer at the end of each statement period at 2.5 CommBank Awards points to 1 Qantas Point

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• Entertainment Benefits

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  Access to Priceless.com offers and experiences (Mastercard)

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• Digital Wallet Integration

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  Tap & Pay using a supported digital wallet (e.g. Apple Pay, Google Pay or CommBank Tap & Pay)

• No International Transaction Fee

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  0% international transaction fee on purchases or cash advances made overseas or in Australia where the merchant or processing entity is located overseas (the cash advance fee still applies to international cash advances)

• No Additional Cardholder Fee

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  No additional cardholder fee to share the card with someone else

• No Annual Fee

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  No monthly fee if you spend at least $2,000 on the Smart Awards card in your statement period; otherwise the monthly fee is $19

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• Travel Insurance

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  Complimentary international travel insurance (Overseas Travel Policy) for journeys up to 12 months, covering the cardholder and accompanying family, when at least $500 in a single prepaid-travel transaction is charged to the card (or redeemed with Awards points/travel credits) and cover is activated before travelling; Overseas Emergency Medical and Hospital Expenses are unlimited

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• Purchase Protection Insurance

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  Purchase Security: new items charged to the card (or bought with Awards points) covered against loss, theft or damage for 90 consecutive days from purchase, up to $200,000 in any 12-month period for Smart Awards; $100 excess per claim

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• Extended Warranty Insurance

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  Extends the manufacturer's Australian warranty on eligible card purchases for a period equal to the original warranty up to a maximum of 1 extra year (no cover where the warranty exceeds 5 years), up to $20,000 in any 12-month period for Smart Awards; $100 excess per claim

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• Rental Vehicle Insurance

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  Rental Vehicle Insurance Excess cover up to $2,250 per journey under the activated Overseas Travel Policy

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• Interest Free Periods

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  Up to 44 interest-free days on purchases when the full closing balance shown on the statement is paid by the due date each month

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• Installment Plans

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  SurePay instalment plans let you pay off a purchase or all/part of your balance in monthly instalments (Purchase plan for purchases in the last 14 days, Card balance plan, or Cash advance balance plan); up to 50 active plans; a setup fee may apply and a fixed interest rate is quoted per plan

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• Balance Transfer Offers

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  Balance transfer facility: an amount paid to a credit or store card at another institution at your request, which may be charged a special interest rate for a set period

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Benefit history

• Travel InsuranceUpdated May 2026
• Digital Wallet IntegrationUpdated May 2026
• Travel CreditsUpdated May 2026
• Shopping BenefitsUpdated May 2026
• Points Transfer BenefitsUpdated May 2026
• Lounge AccessUpdated May 2026
• Interest Free PeriodsUpdated May 2026
• No Additional Cardholder FeeUpdated May 2026
• No International Transaction FeeUpdated May 2026