CommBank Smart Awards Credit Card with Qantas Points (with $2,000 per month spend) Commbank

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 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 to add supplementary cardholders to the account.

Up to 44 days interest-free on purchases.

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.

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.

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.

Access to CommBank Yello Cashback Offers providing cashback on purchases with partnered brands via the CommBank app for eligible Mastercard cardholders.

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.

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.

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