Bonus points: 60,000
Purchase rate: 20.99% p.a.
Reward points per $ spent: 0.5
Annual fee: $228 p.a.

Our verdict

Offers up to 60,000 CommBank Yello points, monthly dining and travel credits, with a $19 monthly fee.

The CommBank Smart Credit Card is built around the CommBank Yello program. Right now, new cardholders 30,000 CommBank Yello points when you spend $4,500 on eligible purchases within 90 days of activating your card. You get another 30,000 bonus points if you keep the card for more than 12 months. It combines uncapped points with lifestyle and travel perks, including a $10 monthly dining credit, a $10 monthly travel credit and complimentary DashPass membership with DoorDash.

If you’re planning travel, the CommBank Smart Credit Card offers the valuable combination of rewards and airport lounge access. Unlike most credit cards in Australia, the CommBank Smart has a $19 monthly account fee instead of an annual fee. But it will be waived for a statement period if you spend at least $2,000 in that period.

Pros

Up to 60,000 bonus CommBank Yello points
$10 monthly dining credit and $10 monthly travel credit
Complimentary DashPass membership and cracked screen cover for eligible phones

Cons

Purchase rate of 20.99% p.a. is relatively high
3.5% international transaction fee
$19 monthly fee if the $2,000 minimum spend isn't met

Details

Product details

Product Name	CommBank Smart Credit Card
Purchase rate p.a.	20.99%
Interest-free days	Up to 44 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$2,000
Card type	Mastercard

Eligibility

Joint application

Rewards

Rewards program	CommBank Yello
Bonus points	60,000
Rewards points per $ spent	0.5
Rewards points cap	N/A

Fees

Annual fee	$228
Minimum monthly repayment	2% of the closing balance or $25, whichever is greater
Late payment fee	$20
Foreign currency conversion fee	3.5%
Cash advance fee	3% of transaction value or $4, whichever is greater
Overseas cash advance fee	3% of transaction value or $4, whichever is greater
Additional cardholder fee	$0
Number of additional cardholders	1

Commonwealth Bank scored in the Finder Awards

The Commonwealth Bank Smart Credit Card was highly commended for Best Travel Credit Card in the 2026 Finder Awards.

Full list of 2026 winners

Commonwealth Bank scored in the Finder Awards

The Commonwealth Bank Smart Credit Card was highly commended for Best No FX fees Credit Card in the 2026 Finder Awards.

Full list of 2026 winners

How to apply

You can apply for the CommBank Smart Credit Card online by filling in a secure application form. To get started, make sure you meet the following eligibility requirements and have all the information you need to complete the application.

Eligibility criteria

Age. You must be at least 18 years old.
Residency. This card is available to permanent and temporary residents as long as you have the legal right to work in Australia. You may be asked to provide your visa details if you're not a permanent resident.

Credit history. You must have a good credit score with no current bankruptcies to receive approval. You can get your credit score and copy of your comprehensive credit report for free through Finder.

Required documents

Personal information. This includes your full name, residential address and contact details.
Proof of identification. You'll need to provide proof of identification such as your Australian driver's licence or passport.
Income and employment. This includes your annual income and current place of employment. You may also need to provide your employer's contact information.
Finances. This includes your regular expenses as well as information about any savings, investments, assets or liabilities like existing debts or loans.

Card benefits

Up to 60,000 bonus CommBank Yello points. Get 30,000 Yello points when you spend $4,500 on eligible purchases within the first 90 days of activating your card, provided you're eligible for CommBank Yello. Keep your account open for more than 12 months and remain Yello eligible to get another 30,000 points.
CommBank Yello points. Earn points on eligible purchases based on your tier:

Earn 0.5 points per $1 (CommBank Yello) to 1.5 points per $1 (CommBank Yello Diamond) for everyday spend
Earn 2 points per $1 for international spend (in-store and online)
Dining through Dine In Deals earns 1.5 to 6.5 points per $1
From 1 October 2026 to 30 September 2027, you can also earn boosted points on bookings through CommBank Travel Booking. Hotels and car hire earn 20.5 to 21.5 points per $1, and flights earn 10.5 to 11.5 points per $1.

Monthly dining and travel credits. You'll get a $10 credit each month to use on Dine In Deals, provided by EatClub, and a $10 credit each month for CommBank Travel Booking, provided by Hopper. Credits are only issued for periods when the monthly fee is charged or waived through the minimum spend. Unused credits expire after 12 months.
DashPass membership. Get complimentary DashPass with DoorDash, which includes $0 delivery fees and reduced service fees on eligible orders. To use it, keep your Smart card saved as a payment method in your DoorDash wallet.
Included cracked screen cover. Eligible phones bought with a CommBank card, or paid for through a phone plan on a CommBank card, are covered for screen repairs. Cover is limited to 1 claim per year up to $500, with a 10% excess.
SurePay Instalment Plan. The CommBank Smart Credit Card's SurePay Plan offers a flexible way to manage your card balance and purchases by splitting the cost into fixed monthly repayments. You can get 0% interest on purchases of $100 or more, plus a set up fee. If your card balance is $600 or more you can split it into multiple fixed monthly payments. There's no fee for this option and you just pay your normal card interest rate. You can do the same with a cash advance balance too.
Included international travel insurance. You'll be covered for overseas medical expenses, baggage and travel delays, cancellation costs and more with this international travel insurance. Your spouse and dependent children travelling with you can also be covered when you spend at least $500 on prepaid travel in a single transaction with your card and activate your cover in the CommBank app before leaving Australia. Insurance is provided by Cover Genius and underwritten by Allied World.
Airport lounge access via Mastercard Travel Pass. The CommBank Smart Credit Card gives you access to over 1,300 airport lounges through Mastercard Travel Pass, a service provided by DragonPass. You need to register your credit card through the app or online, then show your membership QR code and valid boarding pass at the lounge. Each visit will attract a fee from the lounge, which is charged to your credit card.
Mobile wallets. You can add a CommBank Smart Credit Card to Apple Pay, Google Pay and Samsung Pay accounts to make payments straight from your phone or other smart devices. You can also use your fitness tracker to make contactless payments with Fitbit Pay and Garmin Pay.
Security. You can set transaction limits, lock international transactions and block cash advances through NetBank or the CommBank app. Your account is also monitored by 24-hour fraud protection to detect any abnormal transactions and you'll be protected against fraud with Mastercard Zero Liability.

Rates & fees

Monthly fee. The $19 monthly fee on this card is waived if you spend at least $2,000 during the statement period. From your first statement issued on or after 1 January 2027, the waiver will end and the $19 monthly fee ($228 a year) will apply regardless of your spending.
Purchase interest rate. This card charges a 20.99% p.a. interest rate for purchases.

Interest-free days. You'll get up to 44 days interest-free on purchases when you pay your total statement balance by the due date.
Cash advances. If you use your card to make a cash advance, you'll be charged the 21.99% p.a. cash advance interest rate and the cash advance fee of 3% or $4 of the transaction amount, whichever is greater.
Additional cardholders. There is no additional cardholder fee if you want to share your account with a family member or someone else. Just keep in mind that you will still be the person responsible for managing the account (including repayments).

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. CommBank Smart credit card information PDF
2. CommBank Smart credit card TMD

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Chamaka

March 03, 2026

Commbank Smart Awards Credit Card;

How long is the international travel insurance valid for? i.e. is it 6 months? 12 months? or duration of using the card?

Sarah Megginson Finder

March 09, 2026

Hi Chamaka,

I checked the PDS and for Diamond, Smart & Ultimate card customers, the maximum duration per journey (from the departure date shown on cardholder’s return overseas travel ticket) is 12 months. For Gold, Platinum & Qantas Business Rewards customers, the maximum journey is 3 months. Hope this helps!

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Joanne

June 15, 2025

I have a rewards card from another bank and I am looking to close that down and apply for this rewards card? Am I eligible or is it if you’ve held a rewards card with Comm bank that you are not eligible?

Richard Whitten Finder

June 16, 2025

Hi Joanne,

The exact wording on CBA’s site says “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.”

“Awards cards” refers specifically to the Commonwealth Bank’s rewards cards, not rewards cards from other banks. So you should be fine.

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SHJ

January 02, 2025

I currently have a homeloan with CBA, and a debit card only.

Would i be eligible for this credit card benifits?

Sarah Megginson Finder

January 06, 2025

Yes, because you’re not yet a CommBank credit card customer, you’re eligible to apply for this credit card and get access to the benefits. Hope this helps!

Douglas

December 09, 2024

Hi. Are we sure that the bonus points are available to people who are NOT in the CommBank Yello program? When I go to their website it only makes mention of bonus points for those in the Yello program. (And it takes a while to qualify for that.)

Sarah Megginson Finder

December 09, 2024

Hi Douglas,

According to the T&Cs, the bonus points offer is available to customers in CommBank Yello Everyday, Everyday Plus or Homeowner benefit sets, when they apply for a new Smart Awards credit card. Offer is 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.

Hope this helps!

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Rory

November 20, 2024

FYI – browsing today the Qantas official site which has this card (along with others) and it said the annual $60 opt-in fee for Qpoints will increase to $90 from February 2025.

I was considering this card but given the fee increase, the Qantas Premier Everyday card maybe better suited as it currently only have one annual fee $99 and I don’t make the min. $2k spend to waive the monthly $19 fee ($228 annually).

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

CommBank Smart Credit Card

Pros

Cons

Commonwealth Bank scored in the Finder Awards

Commonwealth Bank scored in the Finder Awards

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

Your reviews

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