− Removed

Skip to main content Skip to log on Skip to search Accessibility at CommBank
[https://www.commbank.com.au/about-us/accessibility.html]
   
 * CommBank homepage
   [https://www.commbank.com.au/content/dam/commbank/commBank-logo.svg]
   [https://www.commbank.com.au/?ei=mv_cbalogo]
 * Banking [https://www.commbank.com.au/banking.html?ei=mv_banking]
 * Home loans [https://www.commbank.com.au/home-loans.html?ei=mv_home-loans]
 * Insurance [https://www.commbank.com.au/insurance.html?ei=mv_insurance]
 * Investing & super
   [https://www.commbank.com.au/investing-and-super.html?ei=mv_investing-super]
 * Business [https://www.commbank.com.au/business.html?ei=mv_business]
 * Institutional
   [https://www.commbank.com.au/institutional.html?ei=mv_institutional]
 * CommBank Yello
   [https://www.commbank.com.au/commbank-yello.html?ei=mv_cbyello]

− Removed

 * 
 * Log on

− Removed

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

− Removed

 * Banking [https://www.commbank.com.au/banking.html?ei=mv_banking]
 * Home loans [https://www.commbank.com.au/home-loans.html?ei=mv_home-loans]
 * Insurance [https://www.commbank.com.au/insurance.html?ei=mv_insurance]
 * Investing & super
   [https://www.commbank.com.au/investing-and-super.html?ei=mv_investing-super]
 * Business [https://www.commbank.com.au/business.html?ei=mv_business]
 * Institutional
   [https://www.commbank.com.au/institutional.html?ei=mv_institutional]
 * CommBank Yello
   [https://www.commbank.com.au/commbank-yello.html?ei=mv_cbyello]

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   --------------------------------------------------------------------------------

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 * Locate us [https://www.commbank.com.au/digital/locate-us/?ei=mv_locate-us]
 * Help & support [http://www.commbank.com.au/support.html?ei=mv_support]

− Removed

CommBank Search. Dialog start.
Search CommBank. Type search term then press Enter.

− Removed

POPULAR SEARCHES

− Removed

 * Travel insurance
   
   [https://www.commbank.com.au/travel/travel-insurance.html?ei=mv_search-pop1]

− Removed

 * Foreign exchange calculator
   
   [https://www.commbank.com.au/international/foreign-exchange-calculator.html?ei=mv_search-pop2]

− Removed

 * Discharge/ Refinance authority form
   
   [https://www.commbank.com.au/digital/home-loan-forms/mortgage-discharge/start?ei=glo-search-pop3]

− Removed

 * Activate a CommBank card
   
   [https://www.commbank.com.au/support/how-do-i-activate-my-commbank-card.html?ei=mv_search-pop4]

− Removed

 * Cardless cash
   
   [https://www.commbank.com.au/digital-banking/cardless-cash.html?ei=mv_search-pop5]

− Removed

 * Interest rates & fees
   
   [https://www.commbank.com.au/products/interest-rates-and-fees.html?ei=mv_search-pop6]

− Removed

 * [/content/dam/commbank-assets/pictograms/ds_pictogram_support2.svg]
   
   Help & support
   
   [https://www.commbank.com.au/support.html?ei=mv_search-support]
 * [/content/dam/commbank-assets/pictograms/branch_pictograms.svg]
   
   Locate us
   
   [https://www.commbank.com.au/digital/locate-us/?ei=mv_search-locate]
 * [/content/dam/commbank-assets/pictograms/mobile_call_us_pictograms.svg]
   
   Contact us
   
   [https://www.commbank.com.au/support/contact-us.html?ei=mv_search-contact]

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Credit cards [/credit-cards.html] / Smart Awards credit card - Bonus Awards -
CommBank

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[https://assets.commbank.com.au/is/image/commbank/cc-smart-awards_banner?$Responsive_Align_Center_Top$&fit=constrain&wid=978&dpr=off]

− Removed

SMART AWARDS CREDIT CARD

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COMMBANK YELLO OFFER

− Removed

EARN UP TO 100,000 COMMBANK AWARDS POINTS OR UP TO 60,000 QANTAS POINTS

− Removed

Earn 25,000 CommBank Awards points or 15,000 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. Offer is only available to customers in CommBank Yello when
applying for a new Smart Awards card. Ongoing eligibility, exclusions and offer
Ts&Cs apply^

− Removed

Got more questions?

− Removed

 * At a glance
 * Awards program
 * CommBank Yello Cashback Offers
 * Rates & fees
 * Offer FAQs
 * Support

− Removed

Apply now
Close ×

ALREADY A CUSTOMER BANKING ONLINE WITH US?

− Removed

Apply in NetBank [https://mobile-app-redirect.commbank.com.au/udl-cc-smart]

− Removed

or

− Removed

NEW CUSTOMER OR DON'T BANK ONLINE WITH US?

− Removed

Apply online [/digital-banking/apply-in-app.html]

− Removed

At a glance

− Removed

AT A GLANCE

− Removed

 * 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 Points1
    * Earn up to 1.5 Awards points1 or 0.6 Qantas Points2 for every $1 spent up
      to and including $5,000 in a statement period on eligible purchases
      [/credit-cards/awards/earn-points.html]
    * No monthly fee3 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 Points2 for
      $60 per year4 (this will increase to $90 per year effective 3 February
      2025).
    * Cashback benefits for eligible cardholders through CommBank Yello Cashback
      Offers [/digital-banking/shopping.html?ei=glance_Rewards]5 in the CommBank
      app
    * Pay no international transaction fees for purchases you make overseas or
      online6
    * Access to international travel insurance
      [/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 travel7
    * 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
      card8/credit-cards/smart-awards.html?wcmmode=disabled#terms
    * Pay no additional cardholder fee to share the convenience of your card
      with someone else9
    * 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).15 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 CardTM feature by Mastercard is a unique squared tactile notch
      to help blind and partially sighted cardholders identify their cards with
      just a touch

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 * TRADE-OFFS
   
    * Higher monthly fee compared to the Awards credit card
      [https://www.commbank.com.au/credit-cards/awards.html?ei=glance_awards]
    * Higher interest rates on purchases compared to our Low Rate
      [/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 period1

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Awards program

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CHOICE OF PROGRAM

− Removed

COMMBANK AWARDS PROGRAM

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CommBank offers the largest rewards program of any bank in Australia.10

− Removed

 * Earn Bonus Points when you make purchases with your credit card at one of our
   bonus partners [/credit-cards/awards-program.html?ei=awards_bonus#bonus] or
   through the Bonus Points eShop accessible via NetBank and the CommBank app
 * Earn unlimited points with Smart Awards1
 * No expiry on points earned
 * Redeem Award points at Travel Booking (provided by Hopper)15 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
   [/credit-cards/myer.html?ei=awards_myer]10 and Flight Centre
   [/credit-cards/flightcentre.html?ei=awards_flightcentre]11, or choose from a
   range of items on the Awards site
   [/credit-cards/awards-program.html?ei=awards_bonus#bonus] – including Gift
   Cards, electronics, appliances, cashback and much more
 * Earn up to 1.5 Awards points per $1 spent  for spend up to and including
   $5,000 in a statement period at /credit-cards/awards/earn-points.htmlmajor
   supermarkets, department stores, petrol stations, dining (cafes, restaurants,
   fast food & delivery services) and utilities (electricity, water and gas
   only) [/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 period1
   
 * Use NetBank
   [https://www.my.commbank.com.au/netbank/Logon/Logon.aspx?dl=OX0VSDOMFN] or
   the CommBank app [/digital-banking/commbank-app.html?ei=awards_app] to check
   or redeem points

− Removed

Discover more [/credit-cards/awards/awards-program.html?ei=awards_discover]

− Removed

QANTAS POINTS

− Removed

Dreaming of your next holiday? Opt-in to earn Qantas Points for $60 per
yearhttps://www.commbank.com.au/credit-cards/ultimate.html#terms4 (this will
increase to $90 per year effective 3 February 2025).

− Removed

 * Earn unlimited Qantas Points with Smart Awards1
 * 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#terms1
 * Easily check your Qantas Points balance through your Qantas Frequent Flyer
   account
   [https://www.qantas.com/au/en/frequent-flyer/log-in.html?alt_cam=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

− Removed

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_cam=au:fs:n:web:ff:cba-ultimate-product-landing-page-2021may:cta:n:n:n] and
save $99.50

− Removed

Find out more [/credit-cards/qantas-frequent-flyer.html?ei=awards_findmore]

− Removed

START EARNING POINTS WITH SMART AWARDS

− Removed

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.

− Removed

Points Boost: For your highest eligible purchase in a statement period1
[/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

− Removed

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

− Removed

For all other purchases3

− Removed

For any spend over $5,000 in a statement period (regardless of category) for the
remainder of your statement period1

− Removed

CommBank Yello Cashback Offers

− Removed

COMMBANK YELLO CASHBACK OFFERS

− Removed

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 [/digital-banking/shopping.html?ei=Rewards].

− Removed

PERSONALISED OFFERS

− Removed

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

− Removed

Available to eligible5 Mastercard® cardholders in the CommBank app.

− Removed

Mobile screen: CommBank Yello Cashback Offers in the CommBank app
[https://assets.commbank.com.au/is/image/commbank/commbank-yello-cashback-offer?$W728_H432$&fmt=png-alpha&fit=crop]

− Removed

Rates & fees

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RATES & FEES

− Removed

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

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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.14  
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.14
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.

− Removed

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.3
Purchase Rate
20.99% p.a.
Qantas Points opt-in fee
$60 per year (this will increase to $90 per year effective 3 February 2025).
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

− Removed

OFFER ELIGIBILITY

− Removed

AM I ELIGIBLE FOR THE BONUS POINT OFFER?

− Removed

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

− Removed

HOW DO I KNOW IF I AM COMMBANK YELLO?

− Removed

You can check on your CommBank App or visit CommBank Yello
[/commbank-yello.html] to see the eligibility criteria.

− Removed

WHEN DOES THE SPEND CRITERIA START?

− Removed

Your first spend date 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 spend criteria. After that, spending periods will match your
statement periods until the offer condition ends.

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WHEN WILL I RECEIVE MY BONUS POINTS?

− Removed

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

− Removed

HOW CAN I SPEND IF MY CARD IS DELAYED?

− Removed

Digital cards appear immediately after the account is established in your
CommBank App. Add this to your digital wallet
[/digital-banking/mobile-payments-wearables.html] and you can start spending
straight away! 

− Removed

PREPARE FOR TAKE-OFF WITH TRAVEL BOOKING, PROVIDED BY HOPPER

− Removed

CommBank Yello Homeowner and Everyday Plus customers receive 10% of the booking
amount back in travel credits to use towards any future purchases in Travel
Booking**.

− Removed

Explore travel [/travel/travel-booking.html]

− Removed

Two women engaged in photography, referencing a map for their outdoor adventure.
[/content/dam/commbank-assets/banking/travel/2024/travel-booking-credits.jpg]

− Removed

SWITCH YOUR EXISTING COMMBANK MASTERCARD CREDIT CARD

− Removed

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

− Removed

Switch to Smart Awards [/credit-cards/manage/switch-card.html?ei=CTA-switch]

− Removed

SAVE ON UTILITIES

− Removed

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

− Removed

Support

− Removed

SUPPORT

− Removed

 * GETTING STARTED
   
    * Activate your card and create a PIN
      [https://www.commbank.com.au/support.cards.activate-card.html?ei=support_activate]
    * Add an additional cardholder
      [https://www.commbank.com.au/support.credit-cards.add-additional-cardholder.html?ei=start_addcard]
    * Understanding your statement
      [/credit-cards/manage/credit-card-statements.html?ei=support_statements]

− Removed

 * MANAGING YOUR CARD
   
    * Find and redeem Awards points
      [https://www.commbank.com.au/support.credit-cards.find-commbank-awards-points-balance.html?ei=support_managepoints] 
    * Lock, Block, Limit your card
      [/personal/credit-cards/lock-block-limit.html?ei=support_lbl]
    * Manage your credit limit
      [/support.credit-cards.change-credit-limit.html?ei=support_creditlimit]
      
    * Lost, damaged or stolen cards
      [/support/lost-stolen-or-damaged-card-support-page.html?ei=support_lost]

− Removed

   Show me more [/credit-cards/manage.html?ei=support_manage]

− Removed

 * MANAGING YOUR PAYMENTS
   
    * Set up AutoPay
      [https://www.commbank.com.au/support.credit-cards.set-up-autopay.html?ei=support_autopay]
      
    * Make the most of your interest free period
      [/guidance/consumer-finance/how-to-make-the-most-of-your-credit-card-s-interest-free-period-201705.html?ei=support_interestfree]
      
    * What makes up your credit card balance
      [/guidance/consumer-finance/what-makes-up-your-credit-card-balance--201706.html?ei=support_creditcardbalance]

− Removed

LOOKING FOR SOMETHING ELSE?

− Removed

[/content/dam/commbank-assets/pictograms/credit_cards.svg]

− Removed

CHOOSE A CARD

− Removed

See credit cards [/credit-cards.html?ei=lfse_credit-cards]

− Removed

Find answers
[/content/dam/commbank-assets/pictograms/document_percent-pictogram.svg]

− Removed

COMPARE CREDIT CARDS

− Removed

Compare all cards [/credit-cards/tools/credit-card-compare.html?ei=lfse_compare]

− Removed

[/content/dam/commbank-assets/pictograms/search_find_pictogram.svg]

− Removed

CREDIT CARD SELECTOR

− Removed

Help me choose
[https://www.commbank.com.au/digital/credit-cards/tools/credit-card-selector?ei=lfse_choose]

− Removed

Guidance [/content/dam/commbank-assets/pictograms/star_pictogram.svg]

− Removed

LATEST CREDIT CARD OFFERS

− Removed

See credit card offers [/credit-cards/credit-cards-offers.html?ei=lfse_offers]

− Removed

LOOKING FOR A PERSONAL LOAN?

− Removed

Take me there [/personal-loans.html?ei=cta_pl]

− Removed

HOW DO REWARDS CREDIT CARDS WORK?

− Removed

A rewards scheme can award you for spending on your credit card – but is a
rewards card right for you?

− Removed

Tell me more

− Removed

[/guidance/consumer-finance/how-do-rewards-credit-cards-work--201709.html?ei=guidance_awardswork]
[/content/dam/commbank-assets/banking/accounts/2017-11/Little-girl-dandelion-field-sunshine-outside-playing-child_guidcard.jpg]

− Removed

TIPS FOR TRAVELLING OVERSEAS WITH YOUR CREDIT CARD

− Removed

[/guidance/consumer-finance/8-tips-for-travelling-overseas-with-your-credit-card-201610.html?ei=guidance_travel]

− Removed

4 CREDIT CARD MISTAKES TO AVOID

− Removed

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.

− Removed

Tell me more

− Removed

[/guidance/consumer-finance/4-credit-card-mistakes-to-avoid-201612.html?ei=guidance_avoid-mistakes]

− Removed

WE'RE HERE TO HELP

− Removed

 * [/content/dam/commbank-assets/pictograms/mobile_call_us_pictograms.svg]

− Removed

   CONTACT US
   
   Message us in the CommBank app or call to connect to the right help.
   
   [/support/contact-us.html?ei=help_contact-us]
 * [/content/dam/commbank-assets/pictograms/questions_feedback_pictograms.svg]

− Removed

   MESSAGE US
   
   Get instant help from our virtual assistant or connect to a specialist.
   
   [https://mobile-app-redirect.commbank.com.au/support/messaging]
 * [/content/dam/commbank-assets/pictograms/ds_pictogram_support2.svg]

− Removed

   FAQS
   
   Search support and our most frequently asked questions.
   
   [/support.html?ei=help_faqs]
 * [/content/dam/commbank-assets/pictograms/branch_pictograms.svg]

− Removed

   FIND A BRANCH
   
   Find a branch, ATM or specialist near you.
   
   [https://www.commbank.com.au/digital/locate-us/?service=branch&ei=help_FindUs]

− Removed

THINGS YOU SHOULD KNOW

− Removed

 * ^ Offer commenced 3 December 2024 and is only available to customers in
   CommBank Yello Everyday, Everyday Plus or Homeowner benefit sets when they
   apply for a new Smart Awards credit card. Offer not available to customers
   who currently hold, or have held, any activated Awards card types in the 18
   months prior as a primary cardholder or customers who switch from other card
   types.

− Removed

   To be eligible for the CommBank Yello offer, you must meet the minimum
   eligibility criteria as set out in the CommBank Yello Terms and Conditions
   available at commbank.com.au/commbankyellotcs
   [/content/dam/commbank-assets/commbank-yello/docs/commbank-yello-terms.pdf]
   and not have opted out of the program when applying. Eligibility for CommBank
   Yello is typically assessed in the first week of each month. For more
   information about CommBank Yello and how to check your eligibility status,
   please visit commbank.com.au/commbankyello [/commbank-yello.html].

− Removed

   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. Maximum bonus points available is 100,000
   CommBank Awards points or 60,000 Qantas Points. The first eligible spend
   period will commence from the day your account is opened, up to the end of
   your second statement period. After this date, the offer spend requirements
   will align to each statement period that follows until exhausted.
   Transactions must be fully processed and any pending transactions at the end
   of the statement period will not count towards the spend criteria. Cash
   advances and refunds (including CommBank Yello cashback offers) are not
   included as eligible transactions.

− Removed

   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/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 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.
   
   1 How you earn or redeem CommBank Awards points will be subject to
   the CommBank Awards Program Terms & Conditions
   [/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.
   
   2 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_cam=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].
   
   3 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).
   
   4 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.
   
   5 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’). Your participation in CommBank Yello Cashback Offers is governed by
   the full Terms and Conditions available in the CommBank app.
   
   6 For international cash advances, the cash advance fee will apply.
   
   7 International travel insurance included on your credit card provides cover
   for you, your spouse and your accompanied children for return trips from
   Australia, up to a set period when you spend at least $500 on a single
   prepaid travel transaction using your eligible credit card account. You will
   need to activate your travel insurance for each trip in order to receive any
   cover, including Overseas Medical cover. You will also qualify if the $500
   worth of prepaid travel costs is redeemed using CommBank Awards points. You
   will need to provide a copy of the letter/statement/email confirming the
   redemption. To activate your cover, register on NetBank, the CommBank app or
   call Cover-More on 1300 467 951 before you travel. Terms, conditions,
   restrictions, exclusions (including for pre-existing medical conditions and
   persons aged 80 years or over), benefit limits, sub-limits and excesses
   apply. Before making a decision, refer to the Credit Card Insurances Product
   Disclosure Statement and Information Booklet
   [/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf] for
   full conditions. Insurance products listed are issued and administered by
   Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145)
   on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507,
   ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its
   related bodies corporate do not issue or guarantee this insurance. It does
   not represent a deposit with or liability of either CBA or any of its related
   bodies corporate. We do not provide any advice on this insurance based on any
   consideration of your objectives, financial situation or needs. If you
   purchase an upgrade policy, we (CBA) receive a commission which is a
   percentage of your premium. More information can be found at
   commbank.com.au/travelinsuranceincluded
   [/travel/travel-insurance/travel-insurance-included.html].
   
   8 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://mastercardtravelpass.dragonpass.com/faq].
   
   9 Additional cardholders cannot opt-in for Qantas Points. Your Qantas
   Frequent Flyer membership must be in the name of the primary cardholder.
   
   10 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the
   12 months to March 2023.
   
   11 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.
   
   12 All travel products and offers from Flight Centre Travel Group are subject
   to availability and can only be booked by the general public. The redemption
   of Awards points for travel at Flight Centre Travel Group is subject to terms
   and conditions of the CommBank Awards program available at commbank.com.au as
   well as booking agency online and retail booking terms and conditions. Flight
   Centre Travel Group (ABN 25 003 377 188) trading as Flight Centre and Travel
   Associates. ATAS Accreditation No. A10412. Redemption of Awards points using
   your credit card via Apple Pay is unavailable in-store at Flight Centre
   stores Australia-wide and for Flight Centre online via the Awards website.
   Customers must present their Awards credit card to pay with points at Flight
   Centre.
   
   13 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.
   
   14 A maximum charge of $300 or a flat fee of $4.00 applies if your closing
   balance on previous business day was in credit.
   
   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
   [/content/dam/commbank/personal/apply-online/download-printed-forms/FSRA0074_BR173_PrintVersion_1811.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
   [/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.
   
   15 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
   [/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].
   
   ** 10% back in Travel Credits applies to eligible CommBank Yello Homeowner
   and CommBank Yello Everyday Plus customers who use their eligible CommBank
   retail or business credit or debit card, StepPay card or Travel Money Card on
   a flight or hotel booking via the Travel Booking website. Offer can be
   withdrawn at any time without notice.
   
   10% back in Travel Credits applies to the booking amount you pay for
   excluding any Awards points or Travel Credits redeemed. Travel Credits will
   be applied to your Travel Booking Wallet within 5-7 business days of your
   booking and have a 2 year expiry from the booking transaction date. 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. If you cancel or the supplier cancels the flight or
   hotel booking for any reason, the 10% back in Travel Credits will be
   forfeited.
   
   In the event that you no longer have at least one CommBank retail or business
   credit or debit card, StepPay card or Travel Money Card, you will forfeit all
   your Travel Credits. For full terms and conditions go to
   travelbooking.hopper.com/terms
   
   For full terms and conditions on the features provided by Hopper,
   visit travelbooking.hopper.com/terms [https://travelbooking.hopper.com/terms]
   
   Terms and conditions apply. For more information,
   visit travelbooking.hopper.com/terms [https://travelbooking.hopper.com/terms]
   
   All travel products and offers from Travel Bookings are subject to
   availability and can only be booked by eligible CommBank cardholders.
   
   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.
   
   Travel Credits are a form of payment issued by Travel Booking that you can
   use on future purchases on the Travel Booking site. Travel Credits are issued
   in specific scenarios, such as when you receive the Auto Price Drop benefit
   or Best Price Guarantee. Travel Credits will be applied to your Travel
   Booking Wallet within 5-7 business days of your booking and have a 2-year
   expiry from the booking transaction date. 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. Travel Credits
   are not transferable or exchangeable for cash. In the event that you no
   longer have at least one CommBank debit card, credit card, StepPay or Travel
   Money Card account, you will forfeit all your Travel Credits. For full terms
   and conditions go to travelbooking.hopper.com/terms
   [https://travelbooking.hopper.com/terms]
   
   Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit
   licence 234945.

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 * Accessibility [/about-us/accessibility.html?ei=CB-footer_accessibility]
 * Important documents [/important-info.html?ei=CB-footer_ImportantDocs]
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CommBank acknowledges the Traditional Owners
[/about-us/opportunity-initiatives/opportunity-from-community/acknowledgement-of-country.html?ei=footer_aoc] of
the lands across Australia as the continuing custodians of Country and
Culture. We pay our respect to First Nations peoples and their Elders, past and
present.

©2024 Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian
credit licence 234945

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