[Skip to main content](#skipmaincontent) [Skip to log on](#skiplogon) [Skip to search](#skipsearch) [Accessibility at CommBank](https://www.commbank.com.au/about-us/accessibility.html) 

[ ](#) 
* [  ](https://www.commbank.com.au/?ei=mv%5Fcbalogo)
* [Banking](https://www.commbank.com.au/banking.html?ei=mv%5Fbanking)
* [Home loans](https://www.commbank.com.au/home-loans.html?ei=mv%5Fhome-loans)
* [Insurance](https://www.commbank.com.au/insurance.html?ei=mv%5Finsurance)
* [Investing & super](https://www.commbank.com.au/investing-and-super.html?ei=mv%5Finvesting-super)
* [Business](https://www.commbank.com.au/business.html?ei=mv%5Fbusiness)
* [Institutional](https://www.commbank.com.au/institutional.html?ei=mv%5Finstitutional)
* [CommBank Yello](https://www.commbank.com.au/commbank-yello.html?ei=mv%5Fcbyello)
* [ ](#)
* [ Log on ](#)

* [NetBank log on ](https://www.my.commbank.com.au/netbank/Logon/Logon.aspx?ei=mv%5Flogon-NB)
* [CommBiz log on ](https://www.my.commbiz.commbank.com.au/?ei=mv%5Flogon-commbiz&cbaauth=prelogin)
* [CommSec log on ](https://www2.commsec.com.au/secure/login?ei=mv%5Flogon-commsec)

[ ](#) 

* [Banking](https://www.commbank.com.au/banking.html?ei=mv%5Fbanking)
* [Home loans](https://www.commbank.com.au/home-loans.html?ei=mv%5Fhome-loans)
* [Insurance](https://www.commbank.com.au/insurance.html?ei=mv%5Finsurance)
* [Investing & super](https://www.commbank.com.au/investing-and-super.html?ei=mv%5Finvesting-super)
* [Business](https://www.commbank.com.au/business.html?ei=mv%5Fbusiness)
* [Institutional](https://www.commbank.com.au/institutional.html?ei=mv%5Finstitutional)
* [CommBank Yello](https://www.commbank.com.au/commbank-yello.html?ei=mv%5Fcbyello)

---

* [Locate us](https://www.commbank.com.au/digital/locate-us/?ei=mv%5Flocate-us)
* [Help & support](http://www.commbank.com.au/support.html?ei=mv%5Fsupport)

[ ](#) 

CommBank Search. Dialog start.

[ ](#) Search CommBank. Type search term then press Enter. 

### Popular searches

* [ Travel insurance ](https://www.commbank.com.au/travel/travel-insurance.html?ei=mv%5Fsearch-pop1)
* [ Foreign exchange calculator ](https://www.commbank.com.au/international/foreign-exchange-calculator.html?ei=mv%5Fsearch-pop2)
* [ Discharge/ Refinance authority form ](https://www.commbank.com.au/digital/home-loan-forms/mortgage-discharge/start?ei=glo-search-pop3)
* [ Activate a CommBank card ](https://www.commbank.com.au/support/how-do-i-activate-my-commbank-card.html?ei=mv%5Fsearch-pop4)
* [ Cardless cash ](https://www.commbank.com.au/digital-banking/cardless-cash.html?ei=mv%5Fsearch-pop5)
* [ Interest rates & fees ](https://www.commbank.com.au/products/interest-rates-and-fees.html?ei=mv%5Fsearch-pop6)

* [  Help & support ](https://www.commbank.com.au/support.html?ei=mv%5Fsearch-support "Help & support")
* [  Locate us ](https://www.commbank.com.au/digital/locate-us/?ei=mv%5Fsearch-locate "Locate us")
* [  Contact us ](https://www.commbank.com.au/support/contact-us.html?ei=mv%5Fsearch-contact "Contact us")

[ Credit Cards](https://www.commbank.com.au/credit-cards.html "Credit Cards") / Smart Awards Credit Card 

# Smart Awards Credit Card

### Earn up to 80,000 CommBank Awards points or up to 50,000 bonus Qantas Points

Earn 20,000 CommBank Awards points or 12,500 bonus Qantas Points each month when you spend $1,500 or more per month for the first 4 months on a new Smart Awards credit card. Ongoing eligibility, exclusions and offer Ts&Cs apply

[Got more questions?](#offer-eligibility) 

* [ At a glance](#glance)
* [ Awards program](#awards)
* [ CommBank Yello Cashback Offers](#yello)
* [ Rates & fees](#rates)
* [ Offer FAQs](#offer-eligibility)
* [ Support](#support)

[Apply now](#anchor%5Fcopy1168291056462943852bf7-a154-4858-a1cf-e61ed31a7039) 

Close × 

## Already a customer banking online with us?

Save time by using your NetBank details or CommBank App.

[Apply online](https://mobile-app-redirect.commbank.com.au/udl-cc-smart)

 or

## New customer or don't bank online with us?

[Get started](https://www.commbank.com.au/digital-banking/apply-in-app.html)

 At a glance

## At a glance

* ### What you’ll get  
   * Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made 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 for every $1 spent up to and including $5,000 in a statement period on [eligible purchases](https://www.commbank.com.au/credit-cards/awards/earn-points.html)  
   * No monthly fee if you spend at least $2,000 during your statement period. Otherwise the monthly fee is $19  
   * Earn unlimited Awards Points or Qantas Points each year  
   * Choose to earn CommBank Awards points or opt-in to earn Qantas Points for $90 per year.  
   * Cashback benefits for eligible cardholders through [CommBank Yello Cashback Offers](https://www.commbank.com.au/digital-banking/shopping.html?ei=glance%5FRewards) in the CommBank app  
   * Pay no international transaction fees for purchases you make overseas or online  
   * Access to [international travel insurance](https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html) when you spend at least $500 in a single transaction on prepaid travel using your card and activate before you travel  
   * Enjoy access to over 1,300 airport lounges worldwide for a fee with [Mastercard Travel Pass](https://mastercardtravelpass.dragonpass.com/) provided by DragonPass with your Smart Awards credit card[](https://www.commbank.com.au/credit-cards/smart-awards.html?wcmmode=disabled#terms)  
   * Pay no additional cardholder fee to share the convenience of your card with someone else  
   * Up to 44 days interest-free on purchases  
   * [Priceless.com](https://www.priceless.com/) offers and experiences  
   * Complimentary access to book flights and hotels for eligible customers via Travel Booking (Provided by Hopper). **Search for Travel Booking**accessible via the CommBank app (search Travel Booking in the search bar) or [click here](https://www.commbank.com.au/travelbooking)  
   * The Touch Card feature by Mastercard is a unique squared tactile notch to help blind and partially sighted cardholders identify their cards with just a touch  
   * With [SurePay instalment plans](https://www.commbank.com.au/credit-cards/manage/surepay-instalment-plans.html) you can pay off all or part of your credit card balance of $600 or more within a set time with a Balance/Cash Advance Plan or take advantage of a Purchase Plan (a set-up fee applies) with 0% interest on purchases made in the last 14 days.
* ### Trade-offs  
   * Higher monthly fee compared to the [Awards credit card](https://www.commbank.com.au/credit-cards/awards.html?ei=glance%5Fawards)  
   * Higher interest rates on purchases compared to our [Low Rate](https://www.commbank.com.au/credit-cards/low-rate-credit-cards.html) credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time  
   * After spending $5,000 in a given statement period, the Awards point earning rate is 0.5 Awards points or 0.2 Qantas Points per $1 spent for the remainder of your statement period

 Awards program

## Choice of program

### CommBank Awards program

CommBank offers the largest rewards program of any bank in Australia.

* Earn Bonus Points when you make purchases with your credit card at one of our [bonus partners](https://www.commbank.com.au/credit-cards/awards-program.html?ei=awards%5Fbonus#bonus) or through the Bonus Points eShop accessible via NetBank and the CommBank app
* Earn unlimited points with Smart Awards
* No expiry on points earned
* Redeem Award points at Travel Booking (provided by Hopper) accessible via the CommBank app (search Travel Booking in the search bar) or [click here](https://www.commbank.com.au/travelbooking).
* Redeem exclusively at [Myer](https://www.commbank.com.au/credit-cards/myer.html?ei=awards%5Fmyer "Myer") or choose from a range of items on the [Awards site](https://www.commbank.com.au/credit-cards/awards-program.html?ei=awards%5Fbonus#bonus), including Gift Cards and cash back.
* Earn up to 1.5 Awards points per $1 spent for spend up to and including $5,000 in a statement period at [](https://www.commbank.com.au/credit-cards/awards/earn-points.html)[major supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, water and gas only)](https://www.commbank.com.au/credit-cards/awards/earn-points.html), 1 Awards point per $1 spent for all other purchases and 0.5 Awards points once you've spent $5,000 in a given statement period
* Use [NetBank](https://www.my.commbank.com.au/netbank/Logon/Logon.aspx?dl=OX0VSDOMFN "Check in NetBank") or the [CommBank app](https://www.commbank.com.au/digital-banking/commbank-app.html?ei=awards%5Fapp) to check or redeem points

[Discover more](https://www.commbank.com.au/credit-cards/awards/awards-program.html?ei=awards%5Fdiscover "Discover more about CommBank Awards program")

### Qantas Points

Dreaming of your next holiday? Opt-in to earn Qantas Points for $90 per year.

* Earn unlimited Qantas Points with Smart Awards
* Choose from thousands of rewards such as flights starting from 8,000 points (plus taxes, fees and carrier charges, subject to availability), flight upgrades, hotel stays, wine or shopping at Qantas Marketplace.
* Earn up to 0.6 Qantas points per dollar spent with Smart Awards for spend up to and including $5,000 in a statement period (0.2 Qantas points once you've spent $5,000 in a given statement period)[](https://www.commbank.com.au/credit-cards/ultimate.html#terms)
* Easily check your Qantas Points balance through your [Qantas Frequent Flyer account](https://www.qantas.com/au/en/frequent-flyer/log-in.html?alt%5Fcam=au:fs:n:web:ff:cba-ultimate-product-landing-page-2021may:cta:n:n:n).
* Your Qantas Points won’t expire when you earn or redeem Points at least once every 18 months

Not a Qantas Frequent Flyer yet? [Join free](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/CBA?alt%5Fcam=au:fs:n:web:ff:cba-ultimate-product-landing-page-2021may:cta:n:n:n) and save $99.50

[Find out more](https://www.commbank.com.au/credit-cards/qantas-frequent-flyer.html?ei=awards%5Ffindmore "Find more about Qantas Points")

## Start earning points with Smart Awards

Earn points across a range of day-to-day expenses so you can start building your CommBank Awards points balance and redeem your points sooner.

Purchase type

Points per $1 spent

Spend in a statement period

Points Boost: For your highest eligible purchase in a statement period[](https://www.commbank.com.au/credit-cards/smart-awards.html?wcmmode=disabled#terms) 

2 Bonus Points or 0.8 Qantas Points on the highest single eligible purchase in a statement period up to a maximum of 1,000 Awards points or 400 Qantas Points

Highest eligible spend in the statement period

For purchases at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and water only)

1.5 Awards points or 0.6 Qantas Points

Up to and including $5,000

For all other purchases

1 Awards point or 0.4 Qantas Points

Up to and including $5,000

For any spend over $5,000 in a statement period (regardless of category) for the remainder of your statement period

0.5 Awards point or 0.2 Qantas Points

After spending $5,000

 CommBank Yello Cashback Offers

## CommBank Yello Cashback Offers

CommBank is rewarding you when you shop, which is why we’ve partnered with big brands to give you cashback when you activate and redeem your [CommBank Yello Cashback Offers](https://www.commbank.com.au/digital-banking/shopping.html?ei=Rewards).

### Personalised **offers**

We'll send you shopping offers based on where you've shopped before, and similar places we think you'll like.

Available to eligible Mastercard cardholders in the CommBank app.

 Rates & fees

## Rates & fees

Other fees may apply so check our [standard fees and charges](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/ADB1682.pdf) and read the [key facts about our credit cards](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc-keyfacts.pdf).

Type

Rates & fees

Conditions

Additional Cardholder Fee

Free

Pay no additional cardholder fee to share the convenience of your card with someone else.

Cash Advance Rate

21.99% p.a.

Cash advances may be unavailable or subject to a limit restriction.

Cash Advance Fee

$4.00 or 3.00% of the transaction amount – whichever is greater.

A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit. This is charged for cash advances from CommBank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and purchases of cash equivalent items, such as gambling, lottery tickets and money transfers.

Interest-free Period on Purchases

Up to 44 days 

International Transaction Fee

0%

Pay no international transaction fees on purchases or cash advances you make overseas or in Australia (for example online) where the merchant or financial institution or entity processing the transaction is located overseas.  
  
For international cash advances, the cash advance fee will apply.

Late Payment Fee

$20

Applies if the minimum payment due, plus any overdue amount, is not received by the statement due date.

Minimum Credit Limit

$3,000

Monthly Fee

$19 or $0 per month

Pay no monthly fee if you spend at least $2,000 in your statement period.

Purchase Rate

20.99% p.a.

Qantas Points opt-in fee

$90 per year.

Applies to each credit card account earning Qantas Points, charged once per year when you opt-in and each subsequent year on or around the anniversary of your opt-in date. 

 Offer FAQs

## Offer Eligibility

###  Am I eligible for the bonus point offer? 

Customers who apply between the campaign dates, meet the spend criteria and are not excluded as per the T&Cs are eligible for the campaign.

###  When does the spend criteria start? 

Your spending period starts from the day your card is opened. For your first spend period, we've combined the first two billing periods to give you extra time to meet the first spend criteria. After that, spending periods will match your statement periods until the offer condition ends.

###  What transactions are excluded from the monthly spend criteria? 

Cash advances and refunds (including CommBank Yello cashback offers) are not included as eligible transactions. 

###  When will I receive my bonus points? 

Bonus points are awarded up to 90 days after each statement period ends.

###  How can I spend if my card is delayed? 

Digital cards appear immediately after the account is established in your CommBank App. Add this to your digital wallet and you can start spending straight away!

## Prepare for take-off with Travel Booking, provided by Hopper

CommBank Yello customers can receive up to 10% of the booking amount back in travel credits to use towards any future purchases in Travel Booking.

[Explore travel](https://www.commbank.com.au/travel/travel-booking.html) 

## Switch your existing CommBank Mastercard credit card

Bonus Awards Points or Qantas Points offers are only available to new Awards customers. By switching to Smart Awards you are not eligible.

[Switch to Smart Awards](https://www.commbank.com.au/credit-cards/manage/switch-card.html?ei=CTA-switch) 

## **Save on utilities** 

* As a CommBank customer, you can benefit from exclusive offers via our partnerships. You could save on your [energy bills](https://www.commbank.com.au/latest/partnerships.html#amber) by joining Amber or [mobile plans](https://www.commbank.com.au/latest/partnerships/more-mobile.html) and [internet](https://www.commbank.com.au/latest/partnerships/more-telecom.html) for your home by switching to More.

 Support

## Support

* ### Getting started  
   * [Activate your card and create a PIN](https://www.commbank.com.au/support.cards.activate-card.html?ei=support%5Factivate)  
   * [Add an additional cardholder](https://www.commbank.com.au/support.credit-cards.add-additional-cardholder.html?ei=start%5Faddcard)  
   * [Understanding your statement](https://www.commbank.com.au/credit-cards/manage/credit-card-statements.html?ei=support%5Fstatements)  

* ### **Managing your card**  
   * [Find and redeem Awards points](https://www.commbank.com.au/support.credit-cards.find-commbank-awards-points-balance.html?ei=support%5Fmanagepoints)  
   * [Lock, Block, Limit your card](https://www.commbank.com.au/personal/credit-cards/lock-block-limit.html?ei=support%5Flbl)  
   * [Manage your credit limit](https://www.commbank.com.au/support.credit-cards.change-credit-limit.html?ei=support%5Fcreditlimit)  
   * [Lost, damaged or stolen cards](https://www.commbank.com.au/support/lost-stolen-or-damaged-card-support-page.html?ei=support%5Flost)  
[Show me more](https://www.commbank.com.au/credit-cards/manage.html?ei=support%5Fmanage)
* ### Managing your payments  
   * [Set up AutoPay](https://www.commbank.com.au/support.credit-cards.set-up-autopay.html?ei=support%5Fautopay)  
   * [Make the most of your interest free period](https://www.commbank.com.au/guidance/consumer-finance/how-to-make-the-most-of-your-credit-card-s-interest-free-period-201705.html?ei=support%5Finterestfree)  
   * [What makes up your credit card balance](https://www.commbank.com.au/guidance/consumer-finance/what-makes-up-your-credit-card-balance--201706.html?ei=support%5Fcreditcardbalance)

## Looking for something else?

### Compare credit cards

Compare our Low Rate, Low Fee, Interest free and Awards credit cards.

[Credit card comparison tool](https://www.commbank.com.au/credit-cards/tools/credit-card-compare.html?ei=ccoptm%5Fcomparisontool) 

### Help me choose

Answer up to 4 questions and we'll show a card that may suit your needs.

[Credit card selector tool](https://www.commbank.com.au/digital/credit-cards/tools/credit-card-selector?ei=ccoptm%5Fselectortool) 

### Discover current offers

Compare our latest credit card offers to find the one to suit your needs.

[See all offers](https://www.commbank.com.au/credit-cards/credit-cards-offers.html?ei=ccoptm%5Fdiscoveroffers) 

### Show all credit cards

Compare credit cards, apply and get a response in 60 seconds.

[Show me all cards](https://www.commbank.com.au/credit-cards.html) 

## Looking for a personal loan?

[Take me there](https://www.commbank.com.au/personal-loans.html?ei=cta%5Fpl) 

[ How do rewards credit cards work? A rewards scheme can award you for spending on your credit card – but is a rewards card right for you? Tell me more ](https://www.commbank.com.au/guidance/consumer-finance/how-do-rewards-credit-cards-work--201709.html?ei=guidance%5Fawardswork) 

[  Tips for travelling overseas with your credit card ](https://www.commbank.com.au/guidance/consumer-finance/8-tips-for-travelling-overseas-with-your-credit-card-201610.html?ei=guidance%5Ftravel) 

[ 4 credit card mistakes to avoid Having a good idea of how you’ll use your credit card can help you choose one that best suits your needs and offers the features and benefits you want. Tell me more ](https://www.commbank.com.au/guidance/consumer-finance/4-credit-card-mistakes-to-avoid-201612.html?ei=guidance%5Favoid-mistakes) 

## We're here to help

* [  Contact us Message us in the CommBank app or call to connect to the right help. ](https://www.commbank.com.au/support/contact-us.html?ei=help%5Fcontact-us "Contact us")
* [  Message us Get instant help from our virtual assistant or connect to a specialist. ](https://mobile-app-redirect.commbank.com.au/support/messaging "Message us")
* [  FAQs Search support and our most frequently asked questions. ](https://www.commbank.com.au/support.html?ei=help%5Ffaqs "FAQs")
* [  Find a branch Find a branch, ATM or specialist near you. ](https://www.commbank.com.au/digital/locate-us/?service=branch&ei=help%5FFindUs "Find a branch")

## Things you should know

To be awarded the bonus Qantas Points, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria for each statement period. If you opt-in to Qantas Points in your credit card application, or after applying but before you meet each offer eligibility criteria, you will receive the monthly Qantas Points in place of CommBank Awards each month. Points are initially accrued as Awards points in the CommBank Awards Program and will be automatically converted, at the end of the next statement period, into Qantas Points and transferred to your Qantas Frequent Flyer account after meeting the eligibility criteria. If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the spend eligibility criteria, you will receive the monthly CommBank Awards points each month.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at [commbank.com.au/awardst&cs](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/CommBankAwards-Ts&Cs.pdf). Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at [qantas.com/terms](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html) and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Bonus points will be credited within 90 days of each eligible statement period where the spend criteria has been met and will appear on your statement as ‘BONUS AWARDS’. You will be ineligible for the bonus points if your account is closed, switched to another card or in default at any time prior to the bonus points being credited to your account. 

Offer only available on one credit card per customer. We reserve the right to close or vary this offer at any time.

 How you earn or redeem CommBank Awards points will be subject to the [CommBank Awards Program Terms & Conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/CommBankAwards-Ts&Cs.pdf). You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). Awards and the number of points required for Awards are subject to change at any time without notice.

a) How CommBank Awards points and Qantas Points work:

If you opt-in to earn Qantas Points, your CommBank Awards points earnt each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at the rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at [qantas.com/terms](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

b) How Smart Awards points work:

Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants,fast food & delivery services) and utilities (electricity, gas & water only). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

Earn up to 1 Awards point or 0.4 Qantas Points per $1 spent on all other purchases. Once you have spent $5,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period

Points Boost

Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible transaction made in a statement period up to a 1,000 Bonus Points. Points Boosts will be applied at the end of each statement period (in some instances, purchases at the end of the statement period may be allocated to the next statement period and may be identified as the highest Eligible Purchase for that statement period). They will appear on your credit card statement under the ‘Awards Transactions’ section.

 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, [join for free](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/CBA?alt%5Fcam=au:fs:n:web:ff:cba-ultimate-qff-product-landing-page-2021may:cta:n:n:n). Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at [qantas.com/terms](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/terms-and-conditions.html).

For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19\. Spend includes all purchases and cash advances made using your Smart Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

 This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points.

 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’).

 For international cash advances, the cash advance fee will apply.

 To gain access to participating airport lounges, you must register your Smart Awards credit card on the Mastercard Travel Pass app or [mastercardtravelpass.dragonpass.com](https://mastercardtravelpass.dragonpass.com/) generate a membership QR code and present this along with your boarding pass for validation. Each time you visit a lounge, you will be charged a lounge visit fee on your Smart Awards card. You will also be charged a lounge visit fee for each additional guest you bring with you. Please note, your lounge access may be blocked if your primary account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or [mastercardtravelpass.dragonpass.com](https://mastercardtravelpass.dragonpass.com/) to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs at [Mastercard Travel Pass](https://www.commbank.com.au/credit-cards/mastercard-travel-pass-faqs.html).

 Additional cardholders cannot opt-in for Qantas Points. Your Qantas Frequent Flyer membership must be in the name of the primary cardholder.

 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.

 Pay with CommBank Awards points available online at myer.com.au or at any Myer retail store in Australia when presenting a valid CommBank Awards credit card. Ask a Myer team member in-store to check the redeemable value of your points. Some exclusions apply, including using points to pay Myer card accounts, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at myer.com.au. Points cannot be redeemed for cash. A minimum redemption value of $1 applies per transaction. A maximum of 1 million points redemption per day applies. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Myer stores Australia-wide. Customers must use their Awards credit card to pay with points at Myer.

 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart Awards Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. Cashbacks may take up to 30 days to appear on your statement. Visit [mastercard travel rewards](https://mtr.mastercardservices.com/en) for a list of participating merchants and to find out more.

The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our [Financial Services Guide](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/FSRA0074%5FBR173%5FPrintVersion%5F1811.pdf). Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply. Please view our [Credit Card Conditions of Use](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf).

Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.

 Redemption of awards points to pay for flight or hotel bookings is available via the Travel Booking Website. Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions found at [travelbooking.hopper.com/terms](https://travelbooking.hopper.com/terms). CBA does not guarantee the obligations or performance of Hopper or the services it offers. Travel Booking is only accessible to active CommBank retail or business credit and debit card, StepPay card or Travel Money Card customers over the age of 18\. Customers must pay all or part of their travel booking using their eligible CommBank credit or debit card, StepPay, Travel Money card, CommBank Awards points or Travel Credits. Eligible cards comprise of active CommBank retail or business credit and debit cards, StepPay or Travel Money cards

CommBank will receive a portion of the revenue generated from the Travel Booking platform

For full terms and conditions on the features provided by Hopper, visit [travelbooking.hopper.com/terms](http://travelbooking.hopper.com/terms)

The redemption of Awards points for travel is subject to the [CommBank Awards program terms and conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/CommBankAwards-Ts&Cs.pdf) as well as Travel Booking terms and conditions found [here](https://travelbooking.hopper.com/terms).

 You won't be able to apply for an instalment plan if you don't meet our criteria (e.g. if you have exceeded your limit or you are in default). Instalment plans are not available on CommBank Neo, non-Awards Business Cards, corporate cards or balance transfers. The terms of the [CommBank Credit Card Conditions of Use](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/cc2-cou.pdf) relating to instalment plans (section 5) will apply.

While you have an instalment plan, payments to your credit card will be applied in the following order:

* Current monthly instalments, starting with interest and instalment setup fee, if applicable
* Your non-instalment-plan balances
* Your remaining instalment balances

This means that your current monthly instalment payments are always paid first, even if you have other balances with higher interest rates (such as cash advances or purchases not in a plan). If you have multiple plans, payments will be applied to the plans in order of highest to lowest interest rate, or if all plan interest rates are the same, from oldest to newest.

Any interest-free period on purchases will no longer apply once the purchase is put on a plan.

You can cancel your instalment plan at any time. When a cancellation is processed, the outstanding instalment balance will be transferred to your purchases balance (or cash advance balance for cancelled cash advance plans) and accrue interest from the transfer date at your account’s standard purchase (or cash advance) rate, which may have changed from when you first set up your SurePay plan.

If you miss a monthly instalment payment, the unpaid instalment amount for that month will be returned to your main balance and you’ll be charged interest at your accounts standard purchase (or cash advance) rate, which may have changed from when you first set up your SurePay plan. If you cancel a plan this will also apply to any outstanding balance.

If you miss three consecutive payments we’ll automatically cancel your SurePay plan. You won’t be charged a fee if your plan is cancelled – however any outstanding balance will be transferred back to your purchase (or cash advance) rate and added to the total owing on your latest statement on the cancellation date. From the transfer date, you’ll be charged interest at your accounts standard purchase (or cash advance) rate. Please refer to your most recent statement to confirm your card's current interest rate as this may have changed since you first set up your SurePay plan.

**SurePay Purchase Plan terms and conditions**

* To pay off a one-off purchase of $100 or more, made in the last 14 days with a 0% p.a. interest rate for a fee of 2% for 3 month plans, 3% for 6 month plans and 5% for 12 month plans.
* Minimum transaction amount per term: $100 for 3 months, $150 for 6 months and $300 for 12 months.
* Your monthly plan repayment is calculated by dividing the total plan amount (including the set-up fee), by the number of months in the plan term. The set-up fee is included as part of your first Monthly Instalment Payment, and when you make your first repayment, the repayment will be used first towards paying off the set-up fee, then towards the purchase amount. The fee is non-refundable if you cancel or pay off your plan early.
* The 0% p.a. interest rate is only available for ‘Card purchase plans’ and not ‘Card balance plans’ or ‘Cash advance balance plans’.

 **Travel booking, provided by Hopper**

CommBank Yello Plus customers receive 5% back in travel credits. This applies to the hotel booking amount you pay for excluding any Awards points or travel credits redeemed. 

CommBank Yello Gold customers receive 5% back in travel credits. This applies to the hotel or flight booking amount you pay for excluding any Awards points or travel credits redeemed. 

CommBank Yello Diamond customers receive 10% back in travel credits. This applies to the hotel or flight booking amount you pay for excluding any Awards points or travel credits redeemed. You’ll also receive a $100 first time use travel credit which will be automatically applied to your Travel Booking wallet on your first visit to the Travel Booking website after entering Diamond status. This is limited to one per customer, regardless of movement between tiers.  
  
For more information about the CommBank Yello program, visit [commbank.com.au/commbankyello](https://www.commbank.com.au/commbank-yello.html)  

Travel credits will be applied to your Travel Booking Wallet within 7 business days of your booking and have a 2-year expiry from the booking transaction date. If you cancel or the supplier cancels the flight or hotel booking for any reason, the amount back in travel credits will be forfeited. Travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website. 

When redeeming travel credits, the entire value of your travel credit wallet will be applied to pay for all or a portion of the booking amount in a single transaction. If the booking amount is less than the total value of your travel credits, the remaining balance will remain in your wallet for future use.  
  
In the event that you no longer hold an active eligible CommBank card, you will forfeit all your travel credits.  
  
All travel products and offers from Travel Booking are subject to availability and can only be booked by eligible CommBank cardholders.  
  
Eligible cards comprise of active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.  
  
Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers. CommBank Awards customers can choose to use all or part or all of their Awards points for payment of their booking.

CommBank will receive a portion of the revenue generated from the Travel Booking platform.  
  
For full terms and conditions on the features provided by Hopper, visit [travelbooking.hopper.com/terms](https://travelbooking.hopper.com/terms)  
  
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945

[Commonwealth Bank](https://www.commbank.com.au/)