Card

CommBank Smart Awards Credit Card

Offer

CommBank Smart Awards Credit Card

Public offer

Selected terms version

Ended. These terms are no longer available.

Unknown publication date

View current offer terms Offer terms history

$19 monthly fee

75,000 points

$3,000 min limit

1.50 points per dollar

Spend $4,500 in 90 days

This offer is currently unavailable.

Source wording history

Offer terms

PremiumOffer Ended

Signup Bonus

75,000 points

Commbank

Minimum Spend

$4,500

within 3 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

+75,000sign-up bonus

+6,750from $4,500 spend

=81,750Commbank points

→$375in Coles gift cards

−$95first-year fees

=$280first-year value

Bonus Difficulty

Easy

●○○

$50 per day required

First Year Cost

$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)

Bonus Value

$375

81,750 points redeemed in Coles gift cards

Earn Rate

Good

●●●○

1.50x Commbank points per $1

Did this help you make a decision?

$280 of profit after meeting spend requirements

+ $375 Coles 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)

$250

x 1

$100

x 1

$25

x 1

in Coles gift cards, $375 total, with 3,600 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 →

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

Offer terms history

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

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 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