As 1 October approaches, here are the questions customers are asking most about CommBank Yello.

What’s actually changing?

CommBank Yello is evolving - introducing a single points-based currency across the program. From 1 October 2026, eligible customers can earn CommBank Yello points across more of their banking relationship, including across their home loans, savings, cards and insurance. Customers can track their points in one place and redeem them flexibly for rewards such as gift cards, shopping, travel and cash.

Do I need to do anything?

There's nothing you need to do. The new CommBank Yello experience is effective from 1 October 2026 and if you’re eligible, you’ll be moved into it automatically.

If you're eligible for CommBank Yello and have unredeemed Awards points, those points will be automatically converted to CommBank Yello points shortly after the closure of the Awards program.

What happens to my CommBank Awards points?

The CommBank Awards program closes on 29 September 2026. After that date, you’ll no longer be able to earn or redeem CommBank Awards points. Instead, if you’re eligible, you’ll start earning CommBank Yello points.

If you’re eligible for CommBank Yello, your unredeemed Awards points will be converted automatically, with one CommBank Awards point equal to one CommBank Yello point. The converted balance will be available in the CommBank app and NetBank progressively from 1 October 2026.  You can find out about how Awards points compare with CommBank Yello points on the CommBank Yello changes webpage.

If you’re not eligible for CommBank Yello, you can request that your unredeemed Awards points be converted to cash by contacting CommBank by 31 December 2026. If you do not take action by that date, we will continue to hold your points for up to two years, during which time you may redeem them if you become eligible for CommBank Yello.

You can read more about the transfer of Awards points on the Credit Cards Updates webpage.

Am I eligible for CommBank Yello?

You’re automatically enrolled into CommBank Yello when you satisfy the eligibility criteria. To be eligible, customers must hold an eligible transaction account, make at least five eligible transactions, and satisfy other requirements, including having an Australian residential address.

From 1 October 2026, Streamline Basic becomes an eligible transaction account, which means some customers who weren't previously eligible may become eligible for the program.

CommBank Yello tiers will work the same way as they do today. You can continue progressing through the CommBank Yello tiers as you meet the program and tier criteria. Full eligibility criteria and information on each tier are available on the CommBank Yello webpage and the CommBank Yello Program T&Cs.

How do I earn CommBank Yello points?

From 1 October 2026, if you’re eligible, you can earn CommBank Yello points through a range of eligible banking products, including eligible credit cards, debit cards, home loans, travel and insurance products. How many points you earn may vary depending on your CommBank Yello tier.

You may also earn additional points through spending on participating brands, such as groceries, fuel, energy plans, NBN and Mobile, shopping and more. The brands and offers available may change over time.

What can I use the CommBank Yello points for?

You can redeem CommBank Yello points for gift cards, travel, transfers to participating loyalty programs, cash, shopping in-store or online at select retailers and more. The conversion rate varies depending on the reward selected. You can read more about the current conversion rates here: CommBank Yello changes.

Participating brands and rewards programs include bp, DoorDash, Event Cinemas, Everyday Rewards, More Telecom, Myer, Origin Energy, Qantas Frequent Flyer, Qatar Airways, Travel Booking provided by Hopper, Velocity Frequent Flyer and Village Cinemas. Some rewards and brands will be there from launch on 1 October 2026, with more added over time. You can find out what your points can help you do here on the CommBank Yello changes webpage.

How can I use my CommBank Yello points for travel?

You can use your CommBank Yello points through Travel Booking provided by Hopper for flights, hotels and car hire, or transfer points to participating travel rewards programs such as Velocity Frequent Flyer, Qatar Airways and Qantas Frequent Flyer. Available brands and rewards may change over time. 

Do existing perks, like presale access, stay?

Yes, alongside earning and redeeming points, CommBank Yello will continue to offer benefits like presale ticket offers, competitions and discounts. These may change over time and will be subject to availability and applicable terms and conditions.