Image of CommBank Smart Awards Credit Card with Qantas Points Commbank credit card

CommBank Smart Awards Credit Card with Qantas Points Commbank

$19 monthly fee
$90 reward program fee
50,000 points
$3,000 min limit
0.40 points per dollar
Spend $6,000 in 120 days


    Summary

    Premium

    Key Highlights

    • 50,000 bonus points

    Notes

    15,000 Qantas Points will be awarded every month (statement period) $1,500 or more is spent on eligible purchases for 4 consecutive statement periods.

    Offer Details

    Signup Bonus

    50,000 points

    Qantas

    Minimum Spend

    $6,000

    within 4 months

    Ongoing Earn Rate

    0.40x points per $1 spent

    Fees

    Monthly Fee

    $19 per month

    Equivalent to $228 annually

    Program Fee

    $90

    Additional fee for reward program participation

    Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.

    Benefits

    Travel Insurance
    International travel insurance included when spending at least $500 on a single prepaid travel transaction using the card and activating before travel. Covers cardholder, spouse, and accompanied children for return trips from Australia. Activation required for each trip.
    No International Transaction Fee
    No international transaction fees on purchases or cash advances made overseas or online where the merchant or processor is overseas. Cash advance fees still apply for international cash advances.
    No Additional Cardholder Fee
    No additional cardholder fee to add supplementary cardholders to the account.
    Interest Free Periods
    Up to 44 days interest-free on purchases.
    Lounge Access
    Access to over 1,300 airport lounges worldwide for a fee via Mastercard Travel Pass provided by DragonPass. Cardholder must register on the Mastercard Travel Pass app or website and pay lounge visit fees per visit and for guests.
    Rewards Program Elite Status
    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.
    Points Transfer Benefits
    Option to opt-in to earn Qantas Points for $90 per year. CommBank Awards points earned are automatically converted and transferred to Qantas Frequent Flyer account at a rate of 2.5 Awards points to 1 Qantas Point at the end of each statement period.
    Shopping Benefits
    Access to CommBank Yello Cashback Offers providing cashback on purchases with partnered brands via the CommBank app for eligible Mastercard cardholders.
    Travel Credits
    CommBank Yello Plus, Gold, and Diamond customers receive 5% to 10% back in travel credits on hotel or flight bookings made via Travel Booking provided by Hopper. Travel credits have a 2-year expiry and are applied to future bookings.
    Digital Wallet Integration
    Card can be added to digital wallets such as Apple Pay, Samsung Pay, and Google Pay for immediate use via digital card issuance in the CommBank app.
    Digital Card Issuance
    Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.

    Expert Analysis

    Bonus Difficulty

    Easy

    ●○○

    $50 per day required

    First Year Cost

    $204

    6 months of fees - assuming you keep the card for the bonus period (4 months) + 2 statements (waiting for points to arrive in your account) + $90 program fee

    Estimated Bonus Value

    $996

    Based on 1.9¢ per Qantas point

    Earn Rate

    Poor

    ●○○○

    0.40x Qantas points per $1

    Travel Benefits

    Lounge Access

    Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard Travel Pass provided by DragonPass with your Smart Awards credit card.

    RWRDS Insight

    This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

    I'd like to use my 52,400 bonus points for:

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