CommBank Smart Awards Credit Card with Qantas Points Commbank Yello Offer
$19 monthly fee
$60 reward program fee
45,000 points
$3,000 min limit
0.60 points per dollar
Spend $4,500 in 90 days
Offer Details
PremiumOffer Ended
Signup Bonus
45,000 points
Qantas
Minimum Spend
$4,500
within 3 months
Ongoing Earn Rate
0.60x points per $1 spent
Fees
Monthly Fee
$19 per month
Equivalent to $228 annually
Program Fee
$60
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.
I'd like to use my bonus for:
Craig's Analysis45,000 bonus + 2,700 from $4,500 spend
47,700 Qantas pts × 1.6¢/pt = $763
− $155 first year fees
Est. profit $608
Bonus Difficulty
Easy
●○○$50 per day required
First Year Cost
$155
5 months of fees - assuming you keep the card for the bonus period (3 months) + 2 statements (waiting for points to arrive in your account) + $60 program fee
Earn Rate
Average
●●○○0.60x Qantas points per $1
Did this help you make a decision?
$70 of profit after meeting spend requirements
+ $225 Woolworths gift cards
- $95
5 months of fees - assuming you keep the card for the bonus period (3 months) + 2 statements (waiting for points to arrive in your account)
$100
x 2
$25
x 1
in Woolworths gift cards, $225 total, with 1,020 points remaining.
Only available to customers who are in a CommBank Yello tier when applying for the credit card. 15,000 Qantas Points each month when you spend $1,500 or more per month for the first three months.
History
4 Mar 2025
1 changes
Bonus:
60,00050,000
5 Feb 2025
3 changes
Lounge Pass:
Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard T...
Program Fee:
$60$90
Interest Rate:
20.0020.99
7 Dec 2024
2 changes
Notes:
only available to customers in CommBank Yello when applying for the credit card.... 15,000 Qantas Points will be awarded every month (statement period) $1,500 or m...
Bonus:
50,00060,000
3 Aug 2024
4 changes
Notes:
Only available to customers who are in a CommBank Yello tier when applying for t...only available to customers in CommBank Yello when applying for the credit card....
Bonus:
45,00050,000
Spend For Bonus:
4,5006,000
Bonus Period:
90120
- Points Per Dollar changed from 0.5 to 0.62 years ago
- Offer added. Requires Commbank Yello https://www.commbank.com.au/commbank-yello.html2 years ago