Card

CommBank Smart Awards Credit Card

Offer

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

Public offer

Selected terms version

Ended. These terms are no longer available.

Published 9 Feb 2026

View current offer terms Offer terms history

$0 monthly fee

80,000 points

$3,000 min limit

1.00 points per dollar

Spend $6,000 in 150 days

This offer is currently unavailable.

Source wording history

Offer terms

PremiumOffer Ended

Signup Bonus

80,000 points

Commbank

Minimum Spend

$6,000

within 5 months

Ongoing Earn Rate

1.00x points per $1 spent

Fees

No fees disclosed

Check with issuer for complete fee structure

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

+6,000from $6,000 spend

=86,000Commbank points

→$400in Coles gift cards

−$0first-year fees

=$400first-year value

Bonus Difficulty

Easy

●○○

$40 per day required

First Year Cost

Free

monthly fee

Bonus Value

$400

86,000 points redeemed in Coles gift cards

Earn Rate

Average

●●○○

1.00x 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?

$400 of profit after meeting spend requirements

+ $400 Coles gift cards

- $0

monthly fee

$250

x 1

$100

x 1

$50

x 1

in Coles gift cards, $400 total, with 2,250 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 →

No monthly fee

Offer terms history

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

Terms version 6

Ended

Published 19 May 2026

Ended 27 Jun 2026

Changes from terms version 5

Bonus Cash:

$100

Bonus Cash Description:

Travel Credit

Notes:

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. Bonus period is 150 days (not 120) because the first spend period combines the first two billing periods, giving extra time to meet the first spend criteria.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. Bonus period is 150 days (not 120) because the first spend period combines the first two billing periods, giving extra time to meet the first spend criteria. $100 Travel Credit must be redeemed via Travel Booking (provided by Hopper), accessible inside the CommBank app.

Terms version 5

Ended

Published 16 Mar 2026

Ended 19 May 2026

Changes from terms version 4

Bonus:

80,00040,000

Spend For Bonus:

6,0004,500

Bonus Period:

15090

Terms version 4

Ended

Published 9 Feb 2026

Ended 16 Mar 2026

Changes from terms version 3

Bonus Period:

120150

Terms version 3

Ended

Published 26 Jun 2025

Ended 9 Feb 2026

Changes from terms version 2

Points Per Dollar:

1.501.00

Notes:

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 periods25,000 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. Bonus period is 150 days (not 120) because the first spend period combines the first two billing periods, giving extra time to meet the first spend criteria.

Terms version 2

Ended

Published 4 Mar 2025

Ended 26 Jun 2025

Changes from terms version 1

Bonus:

75,00080,000

Spend For Bonus:

4,5006,000

Bonus Period:

90120

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.

Notes:

Earn 25,000 CommBank Awards points or each month when you spend $1,500 or more per month for the first three months25,000 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 1

Ended

Unknown publication date

Ended 3 Aug 2024

First recorded terms

Bonus Commbank:

75,000

Minimum Spend:

$4,500 in 90 days

Saved notes

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

Expiration changed from 29/02/24 to no expiration, Bonus from 80K to 75K, Spend For Bonus from $6K to $4.5K, Bonus Period from 120 to 90, Notes from Earn 20,000 CommBank Awards points each month when you spend $1,500 or more per month for the first four months. to Earn 25,000 CommBank Awards points or each month when you spend $1,500 or more per month for the first three months
3 years ago
Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)
3 years ago