CommBank Smart Awards Credit Card

• 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.
• Age. You must be at least 18 years old.

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.

• 0% foreign transaction fees. You won't be charged an international transaction fee when you use your card to shop overseas or online with a foreign merchant.
• CommBank Yello Cashback Offers. This customer recognition program gives you access to cashback offers through the CommBank app. Right now, new customers who are in a CommBank Yello tier will earn 500 CommBank Awards points each month on Everyday Plus and 1,000 CommBank Awards points each month on Homeowner.
• CommBank Awards Points per $1 spent. If you choose the CommBank Awards program, you'll earn points at the following rates:
  • 1.5 points per $1 on eligible spending up to $5,000 in a statement period at major super markets, department stores and petrol stations, as well as for dining and utilities.
  • 1 point per $1 on all other eligible spending up to $5,000 in a statement period.
  • 0.5 points per $1 for all eligible spending above $5,000 in a statement period.
• Qantas Points per $1 spent. This card offers 0.6 Qantas Points per $1 on eligible spending up to $5,000 in a statement period, then 0.2 Qantas Points per $1 on eligible spending for the rest of that period. To earn Qantas Points with this card, you'll need to opt-in for a yearly rewards fee and provide your Qantas Frequent Flyer number.
• Points Boost: You'll get up to 2 CommBank Awards Points per $1 or up to 0.8 Qantas Points per $1 on your highest eligible purchase made in a statement period, capped at 1,000 CommBank Awards Points or 400 Qantas Points.
• SurePay Instalment Plan. The CommBank Smart Awards 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. This card gives you access to comprehensive international travel insurance that you can activate through NetBank or the CommBank app before your trip. Provided the eligibility requirements are met, this cover protects you, your spouse and dependent children travelling with you.
• Airport lounge access via Mastercard Travel Pass. The CommBank Smart Awards 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 Awards 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.

• 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).