Card

CommBank Smart Awards Credit Card

Offer

CommBank Smart Awards Credit Card Commbank Yello Offer

Public offer

Selected terms version

Ended. These terms are no longer available.

Published 3 Mar 2025

View current offer terms Offer terms history

$19 monthly fee

80,000 points

$3,000 min limit

1.50 points per dollar

Spend $6,000 in 120 days

This offer is currently unavailable.

Source wording history

Offer terms

PremiumOffer Ended

Signup Bonus

80,000 points

Commbank

Minimum Spend

$6,000

within 4 months

Ongoing Earn Rate

1.50x points per $1 spent

Fees

Monthly Fee

$19 per month

Equivalent to $228 annually

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.

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

I'd like to use my bonus for:

Supermarket Gift Cards

Craig's Analysis

+80,000sign-up bonus

+9,000from $6,000 spend

=89,000Commbank points

→$400in Coles gift cards

−$114first-year fees

=$286first-year value

Bonus Difficulty

Easy

●○○

$50 per day required

First Year Cost

$114

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)

Bonus Value

$400

89,000 points redeemed in Coles gift cards

Earn Rate

Good

●●●○

1.50x Commbank 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.

Did this help you make a decision?

$286 of profit after meeting spend requirements

+ $400 Coles gift cards

- $114

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)

$250

x 1

$100

x 1

$50

x 1

in Coles gift cards, $400 total, with 5,250 points remaining.

Can I get this bonus if I've had a card from Commbank before?

You generally need to wait 24 months after your last Commbank sign-up bonus before you can earn this one.

See exclusion periods for every Australian issuer →

25,000 CommBank Awards points or 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 terms history

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Terms version 4

Ended

Published 3 Mar 2025

Ended 9 Jun 2025

Changes from terms version 3

Bonus:

100,00080,000

Interest Rate:

20.0020.99

Lounge Pass:

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.

Terms version 3

Ended

Published 7 Dec 2024

Ended 3 Mar 2025

Changes from terms version 2

Bonus:

90,000100,000

Notes:

only available to customers in CommBank Yello when applying for the credit card. Earn 22,500 CommBank Awards points each month when you spend $1,500 or more per month for the first four months.25,000 CommBank Awards points or 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

Terms version 2

Ended

Published 3 Aug 2024

Ended 7 Dec 2024

Changes from terms version 1

Spend For Bonus:

4,5006,000

Bonus Period:

90120

Notes:

Only available to customers who are in a CommBank Yello tier when applying for the credit card. Earn 30,000 CommBank Awards points when you spend $1,500 or more per month for the first three months. only available to customers in CommBank Yello when applying for the credit card. Earn 22,500 CommBank Awards points each month when you spend $1,500 or more per month for the first four months.

Terms version 1

Ended

Unknown publication date

Ended 3 Aug 2024

First recorded terms

Bonus Commbank:

90,000

Minimum Spend:

$4,500 in 90 days

Saved notes

Earlier notes about this offer. Note dates are separate from terms publication dates.

Points Per Dollar changed from 0.5 to 1.5
2 years ago
Offer added. Requires Commbank Yello https://www.commbank.com.au/commbank-yello.html
3 years ago