Say hello to CommBank Yello!

How to be eligible

You’re eligible for the Everyday benefit set if you are an account holder of at least one individual or joint eligible transaction account. Plus, you’ve made at least 5 eligible, completed outbound transactions from your eligible transaction account or eligible credit card account, in the previous month or the month before that.

Eligible completed transactions made on a joint eligible transaction account or eligible credit card account, contribute to the eligibility of all joint account holders and cardholders.

Eligible transaction accounts:

• Smart Access
• Everyday Offset
• Pensioner Security (card access only)
• Private Banking Account
• Complete Access

Eligible credit card accounts:

• Awards
• Low Fee
• Low Rate
• Essentials
• CommBank Neo
• StepPay (we treat this as a “credit card” account for CommBank Yello purposes)
• Affinity

You’re not eligible for CommBank Yello benefits if:

• you are under the age of 18;
• we are notified you are deceased;
• the residential or postal address we hold for you is in the European Union or United Kingdom;
• you have closed your eligible transaction accounts; or
• you have opted out

We assess eligibility every month, typically on a day within the first week of each month. Read examples of eligibility journeys.

For further information on the Everyday benefit set eligibility criteria, refer to Clause 4.1 in the full CommBank Yello Terms and Conditions

Free Kit Membership for 12 months

If you’re a CommBank Yello customer, you can receive a free Kit membership for 12 months. Kit is an earning-and-learning, mindfully-spending, money-mastering app for children. Kit is built by x15ventures, which is wholly owned by CommBank.

The Kit membership covers both “Single child” and “Multi-child” plans. It’s available to new and existing Kit customers. New Kit customers will need to apply the code when setting up an account with Kit through the Kit app. Existing Kit customers will be able to apply their code via settings in the Kit app.

Eligible customers can access their unique promotional code in the CommBank Yello hub within the CommBank app.

Any changes to your CommBank Yello eligibility will not affect the Kit membership once you have redeemed. Your unique promotional code cannot be redeemed wholly or in part for cash or cash equivalents in the event you cancel your Kit membership part way through your 12-month membership fee period. If you do not wish to use your code, you can choose to gift your code to someone else. Your code can only be redeemed once for its entire value. To be eligible to redeem the Kit offer, you require a valid Australian residential address.

Kit is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 (CBA New Digital Businesses Pty Ltd) trading as HEY KIT. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of CommBank. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-Taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of CommBank or its subsidiaries, and therefore, you may be exposed to investment risk including possible delays in repayment and loss of income and principal invested, as relevant.

CBA New Digital Businesses Pty Ltd has been appointed as an authorised representative (001296799) of Hay Limited (ABN 34 629 037 403 AFSL 515459), who is the issuer of the Kit Account and associated Kit Cards. 

More mobile plans

If you’re an Everyday customer, you could receive $10 off More mobile plans for 12 months. After the Offer Period, you could receive 10% off ongoing. Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.

• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12-month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you can change your online bill payment method to a direct debit from a CommBank account. If you change to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. The cost of your plan reverting to the RRP current at that time.
• You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method, your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail to meet the eligibility criteria for the CommBank Yello Everyday benefit set at any time, this may result in you forfeiting any remaining portion of the First Year Discount.
• The RRP of More mobile plans are subject to change in accordance with More’s terms of service. This offer is on a no-fixed-term contract and you’re free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.
• If you sign up, More will be your mobile service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

More nbn^® plans

If you’re an Everyday customer, you could receive 30% off More nbn^® plans for 12 months. After the Offer Period, you could receive 10% off ongoing.

• Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.
• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12 month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off.
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you may change your online bill payment method to a direct debit from a eligible CommBank bank account. If you change your online bill payment method to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail to meet the eligibility criteria for the Yello Everyday benefit set at any time, you’ll continue to receive any remaining portion of the 12 month discount and/or ongoing discount. You must continue to use an eligible CommBank online bill payment method.
• Discount is available on a maximum of 2 nbn^® services per account.
• The RRP of More nbn^® plans are subject to change in accordance with More’s terms of service. This offer is on a no fixed term contract and you are free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.

If you sign up, More will be your nbn^® service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

Amber electric welcome credit

If you’re an Everyday customer, you could receive a $120 Amber electric welcome credit, applied over six months.

• To find this offer, log onto the CommBank app and go to CBA Yello. Scroll through your offers until you find the Amber offer. Tap ‘Sign up’ and use your unique offer code. Use your  CommBank Credit card, Debit card or bank account as your Amber online account payment method, and meet all other eligibility requirements including:
• Sign up by 30 June 2025 in areas where Amber is available, including NSW, Victoria, SA, ACT and southeast Queensland.
• Offer is for CommBank Yello customers who meet each of the eligibility criteria in the CommBank Yello Terms and Conditions under the Everyday, Everyday Plus or Homeowner benefit sets. The CommBank Yello Terms and Conditions and eligibility criteria may be subject to change.   
• Any unique offer codes not redeemed by 30 June 2025 will expire. Limit of one code per customer.  If you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set (as outlined in the CommBank Yello Terms and Conditions) at any time while you are receiving a discount under a CommBank Yello Offer which you redeemed, this may result in you forfeiting any remaining portion of the 6-month CommBank Yello Offer discount. Access to a CommBank Yello Offer may be revoked at any point after you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set. You will not be eligible to receive the Exclusive CommBank Yello Offer for the remaining portion of the 6 months, even if you continue to use an eligible CommBank online payment method.
• You must continue to use a CommBank credit card, debit card or bank account to maintain the discounts available with this offer. If during the 6 months promotional period you switch your payment method to a non-CommBank account, or your CommBank card expires, you will forfeit any remaining discounted months.  Access to the offer will be revoked with effect from the following month.
• You are free to cancel at any time without charge, however cancelling your service within the offer period forfeits any remaining discounted months. 
• Should you relocate address during the promotional period, the offer is transferable to your new address.
• This offer is not valid in conjunction with any other offer or discount.
• The promo code is unique and aligns to a customer’s specific CommBank Yello benefit set. (e.g. an Everyday unique offer code can only be used to redeem the Everyday offer).
• You may sign up one additional property with Amber (e.g., your holiday house) and claim this offer for that property but to do so you must use a different sign-up email address. Offer strictly limited to two properties only and not valid if you choose to leave Amber and return during the offer period. 
• The welcome credit you receive during the 6-month period will be fixed by reference to the CommBank Yello Offer you redeemed. Customers can move between CommBank Yello tiers during the 6-month period but will not be able to move to a different CommBank Yello Offer once the offer has been redeemed. 
• The provision of your service will be subject to Amber’s standard terms of service and policies, available at www.amber.com.au/terms.
• Offers limited. Amber and CommBank reserves the right to remove this offer at any time.

Cashback from our CommBank Yello offer providers (third parties)

If you’re a CommBank Yello customer, you can receive cashback offers and other benefits from our CommBank Yello offer providers. Cashback will be paid into your most recently opened individual account, unless you have selected a different account via the CommBank app.

If you don’t have an individual account, the cashback will be paid into your most recently opened joint account - even if the joint account holder isn’t eligible for the benefit. Accounts that have been stopped (no longer permitted to make transactions) are not considered opened accounts.

For further information, refer to Clause 5.1 of the CommBank Yello Terms and Conditions. Third party provider Terms and Conditions may also apply.

How to be eligible

You’re eligible for the Everyday Plus benefit set if you are an account holder of at least one individual or joint eligible transaction accounts. Plus, you’ve made at least 30 eligible, completed outbound transactions from your eligible transaction account or eligible credit card account, in the previous month or the month before that.

Eligible, completed transactions completed by a joint or credit card account, contribute to the eligibility of all joint account holders and cardholders.

Eligible transaction accounts:

• Smart Access
• Everyday Offset
• Pensioner Security (card access only)
• Private Banking Account
• Complete Access

Eligible credit card accounts:

• Awards
• Low Fee
• Low Rate
• Essentials
• CommBank Neo
• StepPay (we treat this as a “credit card” account for CommBank Yello purposes)
• Affinity

You are not eligible for CommBank Yello benefits if:

• you are under the age of 18;
• we are notified you are deceased;
• the residential or postal address we hold for you is in the European Union or United Kingdom;
• you have closed your eligible transaction accounts; or
• you have opted out.

We assess eligibility every month, typically on a day within the first week of each month. Read examples of eligibility journeys.

For further information on the Everyday Plus benefit set eligibility criteria, refer to Clause 4.1 in the CommBank Yello Terms and Conditions

Bonus CommBank Smart Awards Points

If you’re an Everyday Plus customer, you can receive CommBank Awards Points to your Smart Awards credit card account. To receive bonus points, you must also:

• have an active Smart Awards credit card; and
• be the primary account holder of the credit card account.

As an Everyday Plus customer, you’ll receive 500 bonus CommBank Awards Points every month that you’re eligible.

The bonus CommBank Awards Points will be awarded to your Smart Awards credit card account. If you have opted in to earn Qantas Points, your CommBank Awards Points earnt each month are automatically transferred to your Qantas Frequent Flyer account as per the current rates. Refer to the CommBank Awards Program Terms and Conditions.

Free Kit Membership for 12 months

If you’re a CommBank Yello customer, you can receive a free Kit membership for 12 months. Kit is an earning-and-learning, mindfully-spending, money-mastering app for children. Kit is built by x15ventures, which is wholly owned by CommBank.

The Kit membership covers both “Single child” and “Multi-child” plans. It’s available to new and existing Kit customers. New Kit customers will need to apply the code when setting up an account with Kit through the Kit app. Existing Kit customers will be able to apply their code via settings in the Kit app.

Eligible customers can access their unique promotional code in the CommBank Yello hub within the CommBank app.

Any changes to your CommBank Yello eligibility will not affect the Kit membership once you have redeemed. Your unique promotional code cannot be redeemed wholly or in part for cash or cash equivalents in the event you cancel your Kit membership part way through your 12-month membership fee period. If you do not wish to use your code, you can choose to gift your code to someone else. Your code can only be redeemed once for its entire value. To be eligible to redeem the Kit offer, you require a valid Australian residential address.

Kit is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 (CBA New Digital Businesses Pty Ltd) trading as HEY KIT. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of CommBank. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-Taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of CommBank or its subsidiaries, and therefore, you may be exposed to investment risk including possible delays in repayment and loss of income and principal invested, as relevant.

CBA New Digital Businesses Pty Ltd has been appointed as an authorised representative (001296799) of Hay Limited (ABN 34 629 037 403 AFSL 515459), who is the issuer of the Kit Account and associated Kit Cards. 

More mobile plans

If you’re an Everyday Plus customer, you could receive $15 off More mobile plans for 12 months. After the Offer Period, you could receive 10% off ongoing. Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.

• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12-month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you can change your online bill payment method to a direct debit from a CommBank account. If you change to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. The cost of your plan reverting to the RRP current at that time.
• You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method, your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail meet the eligibility criteria for the CommBank Yello Everyday benefit set at any time, this may result in you forfeiting any remaining portion of the First Year Discount.
• The RRP of More mobile plans are subject to change in accordance with More’s terms of service. This offer is on a no-fixed-term contract and you’re free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.
• If you sign up, More will be your mobile service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

More nbn^® plans

If you’re an Everyday Plus customer, you could receive 35% off More nbn^® plans for 12 months. After the Offer Period, you could receive 10% off ongoing. Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.

• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12-month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off.
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you may change your online bill payment method to a direct debit from an eligible CommBank bank account. If you change your online bill payment method to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail to meet the eligibility criteria for the Yello Everyday benefit set at any time, you’ll continue to receive any remaining portion of the 12-month discount and/or ongoing discount. You must continue to use an eligible CommBank online bill payment method.
• Discount is available on a maximum of 2 nbn^® services per account.
• The RRP of More nbn^® plans are subject to change in accordance with More’s terms of service. This offer is on a no fixed term contract, and you are free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.

If you sign up, More will be your nbn^® service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

Amber electric welcome credit

If you’re an Everyday Plus customer, you could receive a $150 Amber electric welcome credit, applied over six months.

• To find this offer, log onto the CommBank app and go to CBA Yello. Scroll through your offers until you find the Amber offer. Tap ‘Sign up’ and use your unique offer code. Use your  CommBank Credit card, Debit card or bank account as your Amber online account payment method, and meet all other eligibility requirements including:
• Sign up by 30 June 2025 in areas where Amber is available, including NSW, Victoria, SA, ACT and southeast Queensland.
• Offer is for CommBank Yello customers who meet each of the eligibility criteria in the CommBank Yello Terms and Conditions under the Everyday, Everyday Plus or Homeowner benefit sets. The CommBank Yello Terms and Conditions and eligibility criteria may be subject to change.   
• Any unique offer codes not redeemed by 30 June 2025 will expire. Limit of one code per customer.  If you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set (as outlined in the CommBank Yello Terms and Conditions) at any time while you are receiving a discount under a CommBank Yello Offer which you redeemed, this may result in you forfeiting any remaining portion of the 6-month CommBank Yello Offer discount. Access to a CommBank Yello Offer may be revoked at any point after you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set. You will not be eligible to receive the Exclusive CommBank Yello Offer for the remaining portion of the 6 months, even if you continue to use an eligible CommBank online payment method.
• You must continue to use a CommBank credit card, debit card or bank account to maintain the discounts available with this offer. If during the 6 months promotional period you switch your payment method to a non-CommBank account, or your CommBank card expires, you will forfeit any remaining discounted months.  Access to the offer will be revoked with effect from the following month.
• You are free to cancel at any time without charge, however cancelling your service within the offer period forfeits any remaining discounted months. 
• Should you relocate address during the promotional period, the offer is transferable to your new address.
• This offer is not valid in conjunction with any other offer or discount.
• The promo code is unique and aligns to a customer’s specific CommBank Yello benefit set. (e.g. an Everyday unique offer code can only be used to redeem the Everyday offer).
• You may sign up one additional property with Amber (e.g., your holiday house) and claim this offer for that property but to do so you must use a different sign-up email address. Offer strictly limited to two properties only and not valid if you choose to leave Amber and return during the offer period. 
• The welcome credit you receive during the 6-month period will be fixed by reference to the CommBank Yello Offer you redeemed. Customers can move between CommBank Yello tiers during the 6-month period but will not be able to move to a different CommBank Yello Offer once the offer has been redeemed. 
• The provision of your service will be subject to Amber’s standard terms of service and policies, available at www.amber.com.au/terms.
• Offers limited. Amber and CommBank reserves the right to remove this offer at any time.

Cashback from our CommBank Yello offer providers (third parties)

If you’re a CommBank Yello customer, you can receive cashback offers and other benefits from our CommBank Yello offer providers. Cashback will be paid into your most recently opened individual account, unless you have selected a different account via the CommBank app.

If you don’t have an individual account, the cashback will be paid into your most recently opened joint account - even if the joint account holder isn’t eligible for the benefit. Accounts that have been stopped (no longer permitted to make transactions) are not considered opened accounts.

For further information, refer to Clause 5.1 CommBank Yello Terms and Conditions. Third Party Terms and Conditions may also apply.

Prize draw

If you’re an Everyday Plus customer, you’ll automatically be entered in a monthly prize draw. You’ll have the chance to be 1 of 100 customers who receives a $300 cash prize. For the Everyday Plus Terms and Conditions, refer to Section 9 the CommBank Yello Terms and Conditions.

From time to time, you may also be automatically enrolled in other ad hoc CommBank Yello prize draws. Details about these prize draws, including their specific terms and conditions, will be published on this page (commbank.com.au/yello)
 

CommBank Mastercard Presale and Preferred tickets

CommBank Mastercard allows certain eligible customers access to CommBank Yello products and services. In relation to the offer of presale tickets to events the following customer rules apply:

• Where there is a presale ticket category you have the opportunity to secure presale tickets prior to the general public; 
• There is no entitlement to obtain preferential seating; 
• All ticket types are included in the offer, including a selection of available seating throughout the venue, plus “General Admission Standing” tickets where applicable.

Where there is a preferred tickets category you have the opportunity to secure preferred tickets to selected events that are available.

Tickets are allocated on the earlier basis of either:

• A first come, first served basis until the allocation is exhausted; or
• When the specified end time of the offer occurs.
  

CommBank doesn't charge an additional fee for obtaining presale or preferred tickets. Mastercard may determine its own fees and charges in relation to presale and preferential tickets.  

Customers should be aware that standard handling, booking or transaction fees may apply from individual ticketing agents. CommBank Yello products and services are only eligible to CommBank Yello customers who meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’. Refer to the CommBank website for more information on CommBank Yello eligibility. 

CommBank does not guarantee but uses reasonable endeavours to ensure that the details contained in an offer are correct at the time of publication. CommBank will not be liable for the accuracy or completeness of any claims made by third party retailers and/or agencies concerning their goods or services nor are we liable in any way for the performance of those goods or services, except to the extent caused by our negligence, fraud, or wilful misconduct or that of our agents.

Offers are subject to terms and conditions of the relevant participating merchants or promoters providing the Offer which are available on participating merchants websites. CommBank does not provide any of the good or services relating to the Offer. CommBank does not make representations or warranties in respect of the offer, goods or services.

Relevant ticketing agencies and/or promoters are solely responsible for offer redemption and fulfilment. In the case of a cancellation, the relevant ticketing agency and/or promoter of the event are solely responsible for any refunds, exchanges or make good of the ticket purchase price.

CommBank does not alter any terms of your existing conditions of use of the Eligible Card or any other CommBank accounts. CommBank may modify or remove the Offers at any time without prior notice.

How to be eligible

You’re eligible for the Homeowner benefit set if you are an account holder of at least one individual or joint eligible transaction account and are a borrower under an eligible home loan. Plus, you’ve made a minimum of 30 eligible outbound transactions from your eligible transaction account or eligible credit card account, in the previous month or the month before that.

Eligible, completed transactions made on a joint eligible transaction account or eligible credit card account, contribute to the eligibility of all joint account holders and cardholders.

Eligible transaction accounts:

• Smart Access
• Everyday Offset
• Pensioner Security (card access only)
• Private Banking Account
• Complete Access

Eligible credit card accounts:

• Awards
• Low Fee
• Low Rate
• Essentials
• CommBank Neo
• StepPay (we treat this as a “credit card” account for CommBank Yello purposes)
• Affinity

Eligible home loans:

• Standard Variable Rate
• Fixed Rate
• Extra
• Digi Home Loan
• Base Variable Rate (Economiser)
• No Fee (Low Rate)
• Green Loan
• Bridging Loan
• Simple Home Loan 

Your home loan isn't eligible if it's:

• paid off or closed; or
• refinanced into another home loan that is not eligible; or
• refinanced to another bank.

You are not eligible for CommBank Yello benefits if:

• you are under the age of 18;
• we are notified you are deceased;
• the residential or postal address we hold for you is in the European Union or United Kingdom;
• you have closed your eligible transaction accounts; or
• you have opted out.

We assess eligibility every month, typically on a day within the first week of each month. Read examples of eligibility journeys.

For further information on the Homeowner benefit set eligibility criteria, refer to Clause 4.1 in the CommBank Yello Terms and Conditions

Cashback on Home insurance

If you’re a Homeowner customer, you can receive a $10 per month cashback on each eligible Home insurance policy you hold. Home insurance is distributed by CommBank and provided by Hollard (up to $120 annually for each eligible Home insurance policy). Cashbacks are available even if you receive other Home insurance discounts or offers, including the combined policy discount.

Eligible Home insurance cover types:

• Building Cover
• Contents Cover
• Combined Building and Contents Cover

To qualify for the cashback benefit, you must hold an eligible Home insurance policy on the last day of the previous month. Plus, you must continue to hold the policy until the cashback is paid.

Cashbacks aren’t available for insurance that covers portable contents as a standalone policy. Cashbacks are available per benefit, or policy, rather than per customer.

If there are multiple recipients of a single cashback benefit, for example if there is more than one policyholder, we pay the cashback to:

• The person who previously received the cashback for that benefit;
• The primary policyholder, if they are eligible and we haven’t previously paid a cashback for that benefit; or
• The additional policyholder if the primary policyholder is not eligible.

If there are multiple potential recipients, we will choose one.

The cashback will appear as ‘CBA Yello Insur Cashbk' in your transactions. 

For further information, refer to Section 5.1 in the CommBank Yello Terms and Conditions.

Cashback on Home Loan Package fee

If you’re a Homeowner customer, you could receive $4 per month cashback on your Package fee (up to $48 annually). The cashback will be paid per Package rather than per customer. A Home Loan Package is a Wealth Package or Mortgage Advantage (Package).

You must hold a Package on the last day of the previous month to qualify for the cashback benefit in a particular month.

Cashback will be paid into your most recently opened individual account, unless you have selected a different account via the CommBank app. If you don’t have an individual account, the cashback will be paid into your most recently opened joint account. Accounts that have been stopped (no longer permitted to make transactions) are not considered opened accounts.

If there is more than one eligible Package holder, we pay the cashback to:

• The person who previously received the cashback for that Package; or
• The other Package holder if the person who previously received the cashback becomes ineligible.
• A Package holder we choose if we haven’t previously paid a cashback for that Package;

This will appear as ‘CBA Yello HLPckg' in your transactions.

Cashback is not available where the Package is pending or closed, or where the Package fee has been fully or partially waived.

For further information, refer to Section 5.2 in the CommBank Yello Terms and Conditions.

Cashback on Digi Home Loan

If you’re a Homeowner customer with a Digi Home Loan, you could receive a $10 monthly cashback on your Loan Service fee (up to $120 annually). Plus, you could get a loyalty cashback which increases over time once your loan has been fully funded for a year.

If you have a Digi Home Loan of less than $1 million for:

• 0 to 1 years you could get $10 monthly cashback on the loan service fee
• 1 to 3 years you could get a $15 monthly cashback ($5 loyalty and $10 loan service fee cashback)
• 3 to 5 years you could get $20 monthly cashback ($10 loyalty and $10 loan service fee cashback)
• 5+ years you could get $25 monthly cashback ($15 loyalty and $10 loan service fee cashback)

If you have a Digi Home Loan of more than $1 million for:

• 0 to 1 years you could get $10 monthly cashback on the loan service fee
• 1 to 3 years you could get a $20 monthly cashback ($10 loyalty and $10 loan service fee cashback)
• 3 to 5 years you could get $30 monthly cashback ($20 loyalty and $10 loan service fee cashback)
• 5+ years you could get $40 monthly cashback ($30 loyalty and $10 loan service cashback)

The cashback will be paid per Digi Home Loan, rather than per customer. Your Digi Home Loan must be open on the last day of the previous month to be eligible for the cashback benefits.

If there are more than one eligible Digi Home Loan account holder, we pay the cashback to:

• The account holder who previously received the Digi Home Loan cashback; or
• The account holder whose first and last name appears first in alphabetical order.

Eligibility is typically assessed monthly and customers must also meet the CommBank Yello Homeowner eligibility criteria.

There may be tax implications in receiving cashback benefits. You should check with your accountant or tax adviser for further information.

Cashback on Simple Home Loan 

If you’re a CommBank Yello Homeowner customer with a Simple Home Loan, you could receive a $10 monthly cashback on your Loan Service fee (up to $120 annually).  

The cashback will be paid per Simple Home Loan, rather than per customer. Your Simple Home Loan must be open on the last day of the previous month to be eligible for the cashback benefits. 

If there is more than one eligible Simple Home Loan account holder, we pay the cashback to: 

• The account holder who previously received the Simple Home Loan cashback; or 
• The account holder whose first and last name appears first in alphabetical order. 

The cashback will appear as ‘CBA Yello Simp CbkXXXX’ in your transactions.  

Eligibility is typically assessed monthly and customers must also meet the CommBank Yello Homeowner eligibility criteria.  

You should consider the potential tax implications of receiving a CommBank Yello cashback on fees relating to your home loan (especially if you’re claiming a tax deduction for the fees connected with your loan). For more information, you should seek independent advice from your accountant or tax adviser.  

Loyalty payments for investing with CommSec

If you’re a Homeowner customer, you could receive a $5 monthly loyalty payment for investing Australian Shares with CommSec.

You’ll need to settle one trade over $1,000 with an Individual CommSec Share Trading Account to a Commonwealth Direct Investment Account (CDIA). The trade must be settled by the last day of the previous month. 

You must be eligible for the CommBank Yello Homeowner benefit set. We typically check eligibility at the start of the month.  

The loyalty payment will be paid per customer and is limited to one payment per month. The loyalty payment will be paid into your most recently opened individual account, unless you’ve selected a different account in the CommBank app. Accounts that have been stopped (no longer permitted to make transactions) aren’t considered opened accounts.

The loyalty payment is not available to customers with a joint, company or trustee CommSec Australian Share Trading Account, and to customers trading through CommSec Pocket, International Shares, Exchange Traded Options or Margin Loans.

There may be tax implications in receiving the loyalty payment. You should check with your accountant or tax adviser for further information. 

Bonus CommBank Smart Awards Points

If you’re Homeowner customer, you could receive CommBank Awards Points to your Smart Awards credit card account. To receive bonus points, customers must also:

• have an active Smart Awards credit card; and
• be the primary account holder of the credit card account.

If you are a Homeowner customer, you’ll receive 1,000 bonus CommBank Awards Points every month that you’re eligible.

The bonus CommBank Awards Points will be awarded to your Smart Awards credit card account. If you have opted in to earn Qantas Points, your CommBank Awards Points earnt each month are automatically transferred to your Qantas Frequent Flyer account as per the current rates. Refer to CommBank Awards Program Terms and Conditions.

Property reports

If you’re a Homeowner customer, you could receive a property report generated by our service provider. Your property must be classified as residential, defined as dwellings used for domestic occupation; and have a valid and up-to-date address recorded in our system (to allow our service partner to match against their records). Plus, there must be enough information on that address for our service partner to generate a report.

Property reports are available twice a year through the CommBank app. You’ll be able to view or access each report for six months from the date the report was generated. If we don’t have a record of your full address, you may receive a Local Area Snapshot. A Local Area Snapshot focuses on your suburb, rather than your specific property.

If you sell your property, refinance to another financial institution and/or close your home loan, you’ll no longer receive property reports for that property, but you may continue receiving them for other eligible properties.

If you haven’t received a property report, or only received a Local Area Snapshot, please message us in the CommBank app or visit your local branch to provide us with your full address details. This will help ensure you receive a property report when next eligible.

The information contained in each report is general in nature and based on data about your property, the suburb or region your property is situated in or the real estate market that is available to our external data provider. This information is not specific advice and cannot be relied upon for mortgage lending purposes. All information contained in the property report is publicly available.

For further information, refer to Section 5.3 in the CommBank Yello Terms and Conditions.

Free Kit Membership for 12 months

If you’re a CommBank Yello customer, you can receive a free Kit membership for 12 months. Kit is an earning-and-learning, mindfully-spending, money-mastering app for children. Kit is built by x15ventures, which is wholly owned by CommBank.

The Kit membership covers both “Single child” and “Multi-child” plans. It’s available to new and existing Kit customers. New Kit customers will need to apply the code when setting up an account with Kit through the Kit app. Existing Kit customers will be able to apply their code via settings in the Kit app.

Eligible customers can access their unique promotional code in the CommBank Yello hub within the CommBank app.

Any changes to your CommBank Yello eligibility will not affect the Kit membership once you have redeemed. Your unique promotional code cannot be redeemed wholly or in part for cash or cash equivalents in the event you cancel your Kit membership part way through your 12-month membership fee period. If you do not wish to use your code, you can choose to gift your code to someone else. Your code can only be redeemed once for its entire value. To be eligible to redeem the Kit offer, you require a valid Australian residential address.

Kit is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 (CBA New Digital Businesses Pty Ltd) trading as HEY KIT. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of CommBank. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-Taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of CommBank or its subsidiaries, and therefore, you may be exposed to investment risk including possible delays in repayment and loss of income and principal invested, as relevant.

CBA New Digital Businesses Pty Ltd has been appointed as an authorised representative (001296799) of Hay Limited (ABN 34 629 037 403 AFSL 515459), who is the issuer of the Kit Account and associated Kit Cards.

More mobile plans

If you’re a Homeowner customer, you could receive $20 off More mobile plans for 12 months. After the Offer Period, you could receive 10% off ongoing. Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.

• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12-month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you can change your online bill payment method to a direct debit from a CommBank account. If you change to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. The cost of your plan reverting to the RRP current at that time.
• You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method, your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail meet the eligibility criteria for the CommBank Yello Homeowner benefit set at any time, this may result in you forfeiting any remaining portion of the First Year Discount.
• The RRP of More mobile plans are subject to change in accordance with More’s terms of service. This offer is on a no-fixed-term contract and you’re free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.
• If you sign up, More will be your mobile service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

More nbn^® plans

If you’re a Homeowner customer, you could receive 40% off More nbn^® plans for 12 months. After the Offer Period, you could receive 10% off ongoing. Sign up by 30 June 2025 using a CommBank credit or debit card as your online bill payment method.

• A unique offer code will be available through the CommBank app. The unique discount code can be redeemed through the More offer landing page.
• Limit of one offer code per customer and up to five mobile services per account.
• After the 12-month promotional period the cost of your plan will revert to the RRP, subject to an ongoing monthly discount of 10% off.
• You must continue to use a CommBank credit or debit card as your online bill payment to keep the discounts. Alternatively, after checkout you may change your online bill payment method to a direct debit from an eligible CommBank bank account. If you change your online bill payment method to an ineligible payment method during the first 12 months, you will forfeit the discount for any months that you pay with an ineligible payment method. Access to the offer will be revoked from the month you change to an ineligible payment method. You will not receive an extension on the 12-month promotion period for any months forfeited. However, if you change back to an eligible payment method your discount will be reinstated for any remaining portion of the 12 months. If you change to an ineligible payment method after the first 12 months, you will forfeit the ongoing monthly discount in entirety.
• If you fail to meet the eligibility criteria for the Yello Everyday benefit set at any time, you’ll continue to receive any remaining portion of the 12-month discount and/or ongoing discount. You must continue to use an eligible CommBank online bill payment method.
• Discount is available on a maximum of 2 nbn^® services per account.
• The RRP of More nbn^® plans are subject to change in accordance with More’s terms of service. This offer is on a no fixed term contract, and you are free to cancel at any time. However, cancelling your service will forfeit any remaining discounted months.
• All discounts available with this offer apply to monthly plan fees and do not apply in relation to any hardware charges or any fees in respect of additional services or usage outside of plan inclusions.

If you sign up, More will be your nbn^® service provider and will handle all technical enquiries, complaints and servicing. The provision of your service will be subject to More’s standard terms of service and policies, available on the More website. CommBank reserves the right to remove this offer at any time.

Amber electric welcome credit

If you’re a Homeowner customer, you could receive a $180 Amber electric welcome credit, applied over six months.

• To find this offer, log onto the CommBank app and go to CBA Yello. Scroll through your offers until you find the Amber offer. Tap ‘Sign up’ and use your unique offer code. Use your  CommBank Credit card, Debit card or bank account as your Amber online account payment method, and meet all other eligibility requirements including:
• Sign up by 30 June 2025 in areas where Amber is available, including NSW, Victoria, SA, ACT and southeast Queensland.
• Offer is for CommBank Yello customers who meet each of the eligibility criteria in the CommBank Yello Terms and Conditions under the Everyday, Everyday Plus or Homeowner benefit sets. The CommBank Yello Terms and Conditions and eligibility criteria may be subject to change.   
• Any unique offer codes not redeemed by 30 June 2025 will expire. Limit of one code per customer.  If you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set (as outlined in the CommBank Yello Terms and Conditions) at any time while you are receiving a discount under a CommBank Yello Offer which you redeemed, this may result in you forfeiting any remaining portion of the 6-month CommBank Yello Offer discount. Access to a CommBank Yello Offer may be revoked at any point after you cease to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set. You will not be eligible to receive the Exclusive CommBank Yello Offer for the remaining portion of the 6 months, even if you continue to use an eligible CommBank online payment method.
• You must continue to use a CommBank credit card, debit card or bank account to maintain the discounts available with this offer. If during the 6 months promotional period you switch your payment method to a non-CommBank account, or your CommBank card expires, you will forfeit any remaining discounted months.  Access to the offer will be revoked with effect from the following month.
• You are free to cancel at any time without charge, however cancelling your service within the offer period forfeits any remaining discounted months. 
• Should you relocate address during the promotional period, the offer is transferable to your new address.
• This offer is not valid in conjunction with any other offer or discount.
• The promo code is unique and aligns to a customer’s specific CommBank Yello benefit set. (e.g. an Everyday unique offer code can only be used to redeem the Everyday offer).
• You may sign up one additional property with Amber (e.g., your holiday house) and claim this offer for that property but to do so you must use a different sign-up email address. Offer strictly limited to two properties only and not valid if you choose to leave Amber and return during the offer period. 
• The welcome credit you receive during the 6-month period will be fixed by reference to the CommBank Yello Offer you redeemed. Customers can move between CommBank Yello tiers during the 6-month period but will not be able to move to a different CommBank Yello Offer once the offer has been redeemed. 
• The provision of your service will be subject to Amber’s standard terms of service and policies, available at www.amber.com.au/terms.
• Offers limited. Amber and CommBank reserves the right to remove this offer at any time.

Cashback from our CommBank Yello offer providers (third parties)

If you’re a CommBank Yello customer, you can receive cashback offers and other benefits from our CommBank Yello offer providers. Cashback will be paid into your most recently opened individual account, unless you have selected a different account via the CommBank app.

If you don’t have an individual account, the cashback will be paid into your most recently opened joint account - even if the joint account holder isn’t eligible for the benefit. Accounts that have been stopped (no longer permitted to make transactions) are not considered opened accounts.

For further information, refer to Clause 5.1 of the CommBank Yello Terms and Conditions. Third Party Terms and Conditions may also apply.

CommBank Mastercard Presale and Preferred tickets

CommBank Mastercard allows certain eligible customers access to CommBank Yello products and services. In relation to the offer of presale tickets to events the following customer rules apply:

• Where there is a presale ticket category you have the opportunity to secure presale tickets prior to the general public; 
• There is no entitlement to obtain preferential seating; 
• All ticket types are included in the offer, including a selection of available seating throughout the venue, plus “General Admission Standing” tickets where applicable.

Where there is a preferred tickets category you have the opportunity to secure preferred tickets to selected events that are available.

Tickets are allocated on the earlier basis of either:

• A first come, first served basis until the allocation is exhausted; or
• When the specified end time of the offer occurs.
  

CommBank doesn't charge an additional fee for obtaining presale or preferred tickets. Mastercard may determine its own fees and charges in relation to presale and preferential tickets.  

Customers should be aware that standard handling, booking or transaction fees may apply from individual ticketing agents. CommBank Yello products and services are only eligible to CommBank Yello customers who meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’. Refer to the CommBank website for more information on CommBank Yello eligibility. 

CommBank does not guarantee but uses reasonable endeavours to ensure that the details contained in an offer are correct at the time of publication. CommBank will not be liable for the accuracy or completeness of any claims made by third party retailers and/or agencies concerning their goods or services nor are we liable in any way for the performance of those goods or services, except to the extent caused by our negligence, fraud, or wilful misconduct or that of our agents.

Offers are subject to terms and conditions of the relevant participating merchants or promoters providing the Offer which are available on participating merchants websites. CommBank does not provide any of the good or services relating to the Offer. CommBank does not make representations or warranties in respect of the offer, goods or services.

Relevant ticketing agencies and/or promoters are solely responsible for offer redemption and fulfilment. In the case of a cancellation, the relevant ticketing agency and/or promoter of the event are solely responsible for any refunds, exchanges or make good of the ticket purchase price.

CommBank does not alter any terms of your existing conditions of use of the Eligible Card or any other CommBank accounts. CommBank may modify or remove the Offers at any time without prior notice.

CommBank Personal Loan cashback for Brighte home energy

If you're a Homeowner customer, you could get $1,500 cashback on eligible CommBank Personal Loans. The loan must be funded for a Brighte home energy upgrade package. Eligible Personal Loans:

• Unsecured Fixed Rate Personal Loan
• Unsecured Variable Rate Personal Loan

Good to know:

• You must be a CommBank Yello Homeowner customer, at the time you apply for finance. 
• An eligible transaction account must be linked for repayments and cashback.

The cashback will be paid into your linked account within 4 weeks of your loan being funded. Limit of 1 cashback per property.

For more info, go to Home Energy Upgrades.

Opting out of CommBank Yello

You can choose to opt out of CommBank Yello Offers (third parties) or the entire CommBank Yello program.

To opt out of the CommBank Yello Offers only: 

• Log into the CommBank app and tap CBA Yello
• Scroll to Offers and tap View all 
• Tap the Settings in the top right corner
• Tap Opt out of offers

If you opt out of CommBank Yello offers but remain eligible, you can still access benefits like Smart Awards Bonus points, Home Loan cashback and more (subject to your benefit set). You’ll still get messages which may relate to the CommBank Yello program generally and/or CommBank benefits. Opting out of CommBank Yello Offers doesn’t opt you out of CommBank Yello Offers for Business.

To opt out of the CommBank Yello program:

• Log into the CommBank app and tap CBA Yello
• Tap Settings in the top right corner
• Tap Opt out

If you opt out of the CommBank Yello program, you’ll lose access to benefits and offers like cashback and discounts. You may continue to get messages which relate to the CommBank Yello program generally. Opting out of CommBank Yello Offers doesn’t opt you out of CommBank Yello Offers for Business.

Opting in 

You can opt back in at any time by messaging us in the CommBank app or by visiting your local branch. It could take over a month before you can access benefits again.

For further information, refer to Clause 4.7 in the CommBank Yello Terms and Conditions

We take no responsibility for the accuracy, currency, reliability, and correctness of any information regarding CommBank Yello which is included in material created, provided, or managed by third parties (including third party websites). These external information sources are outside our control, and it is therefore your responsibility to make your own decisions about the accuracy, reliability and correctness of information found via these third-party sources.