Help & support
18 to 29? Turn your daily commute on public transport into a monthly reward. Get 5% cashback (up to $25) a month throughout the offer period, when you spend $50 a month. All you need to do is open your first Everyday Smart Access account and tap on and off or load your transport card using your CommBank Debit Mastercard.*
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Pay no monthly account fee if you're under 30 or deposit at least $2,000 each month or meet other conditions.1
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* Eligibility Conditions
To be eligible for the 5% cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 September 2025 (12:01am, AEST) and 31 December (11:59pm AEST) (‘the offer period’) and spend at least $50 (AUD) in a calendar month on eligible public transport1 using your CommBank Debit Mastercard during the offer period.
This offer is for customers aged between 18 to 29 (inclusive) at the time of account opening and who have never held a CommBank Everyday Smart Access Account. Single accounts only. Excludes joint and Everyday Offset accounts.
How to Qualify
To qualify for the cashback, you need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard (‘Eligible spend’) during the offer period.
Eligible spend includes using your CommBank Debit Mastercard to (i) make a payment with any eligible public transport merchant1 and/or (ii) top up a public transport card with any eligible public transport merchant.1 Spending on rideshares, taxis, fuel, private transfers, flights, or other non-public transport merchants are not eligible for this offer. Transactions and payments on eligible public transport must be settled by the end of the month (not pending) to be eligible.
The maximum cashback you can receive is $25 (AUD) per month. Each customer can receive only one cashback per month, and this promotion cannot be used in conjunction with other Smart Access account offers.
Getting Your Cashback
You will receive 5% cashback for each month you spend at least $50 in Eligible spend on public transport, up to a maximum of $25 per month. Cashback will be credited to your new Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the Eligible spend conditions. Your Everyday Smart Access Account must remain open and active to receive the cashback payment. Cashback payment will appear as “CBATRANSPORTCASHBACK”.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 Eligible Public Transport Merchants
1. NSW – Transport NSW (Opal, Trainlink): Bus, Train, Metro, Ferry, Light Rail
2. VIC – Transport Victoria (myki): Bus, Train, Tram
3. QLD – Translink (go card): Bus, Train, Tram, Ferry
4. SA – Adelaide Metro (metroCARD): Bus, Train, Tram
5. WA –Transperth (SmartRider): Bus, Train, Ferry
6. TAS – Transport Tasmania (Greencard, Transportme): Bus, Ferry
7. ACT – Transport Canberra (MyWay): Bus, Light Rail
8. e-Bikes and e-Scooters: Lime, HelloRide, Beam, Neuron Mobility, Ario
1 Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. You may also be eligible for a different monthly account fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability or have an eligible home loan. Find out more about rates and fees.
2 Based on most active app users as at 12 October 2023.
3 Ongoing eligibility applies. For full terms and conditions for CommBank Yello visit commbank.com.au/commbankyello
4 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) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.
5 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.
6 Not available on Pensioner Security Accounts and Business Transaction Accounts.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
7 Applications are subject to credit approval. Full Conditions of Use will be included at point of application. Bank fees and charges may apply. View the StepPay Terms and Conditions (PDF)
8 There is a $0 monthly account fee for the Streamline Basic account for eligible customers.
The target market for these products will be found within the product’s Target Market Determination.
The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF 60KB). View the full terms and conditions for the transaction and savings accounts mentioned (PDF 660KB) or from any branch of the Commonwealth Bank.
Full terms and conditions of the CommBank app are available on the app. The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page.
