Benefits

Cashback

  • Cashback on CommBank products
  • Cashback on participating retailers 

Offers & discounts

  • Exclusive offers and discounts from participating retailers

Prize draws

  • Automatic entry into a monthly prize draws for eligible customers

Bonus points

  • CommBank Award bonus points monthly for eligible customers

How CommBank Yello works

Eligible customers belong to one of CommBank Yello’s benefit sets. Each benefit set provides relevant, tailored benefits and offers. You can check your eligibility status in the CommBank Yello hub within the latest version of the CommBank app.

Everyday

Eligibility

  • Have an eligible CommBank transaction account and
  • Complete 5+ outbound transactions each month from your eligible transaction account or credit card

Benefits

  • Activate a 12-month free membership to Kit – the kids pocket money app and prepaid card
  • Exclusive CommBank Yello Offers and other benefits from our partners – some of Australia’s favourite brands

Everyday Plus

Eligibility

  • Have an eligible CommBank transaction account and
  • Complete 30+ outbound transactions each month from your eligible transaction account or credit card

Benefits

  • Activate a 12-month free membership to Kit – the kids pocket money app and prepaid card
  • Exclusive CommBank Yello Offers and other benefits from our partners – some of Australia’s favourite brands
  • 500 CommBank Awards bonus points each month on your Smart Awards credit card
  • One entry per month into a prize draw – 100 customers each month will win $300

Kit and CommBank are working together on an ongoing free membership offer for Everyday Plus and Homeowner benefit sets.

Homeowner

Eligibility

  • Have an eligible CommBank transaction account and
  • Complete 30+ outbound transactions each month from your eligible transaction account or credit card and
  • Have an active CommBank home loan

Benefits

  • Activate a 12-month free membership to Kit – the kids pocket money app and prepaid card
  • Exclusive CommBank Yello Offers and other benefits from our partners – some of Australia’s favourite brands
  • 1,000 CommBank Awards bonus points each month on your Smart Awards credit card
  • One entry per month into a prize draw –100 customers each month will win $1,200
  • $10 monthly cashback on each of your eligible home insurance policies
  • $4 monthly cashback on your Home Loan Package
  • Personalised reports on property trends in your local area

Kit and CommBank are working together on an ongoing free membership offer for Everyday Plus and Homeowner benefit sets.

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How to access CommBank Yello

Download or update the latest version of the CommBank app. Log onto the app and tap ‘CBA Yello’. If you’re eligible, you’ll unlock access to CommBank Yello. We assess eligibility at the start of each month. Additional steps may be required. View eligibility requirements.

Already an eligible customer? Tap ‘CBA Yello’ then ‘View all’ to discover your offers. You must be opted in first.

Not an existing CommBank customer?

Not seeing all CommBank Yello benefits?

  • Sometimes, CommBank customers may have more than one customer record with us (for example, if you applied for different products at different times and the products weren’t linked). If this is the case, you may not qualify for certain CommBank Yello benefits or may experience a delay in receiving them, as we consider each customer record as a separate customer.

    If you can’t see all your CommBank products and services under the one login or think you may have missed out on receiving benefits, please contact us.

Eligibility and benefits overview

View the CommBank Yello Terms and Conditions (PDF) and third party provider terms and conditions alongside this summary. 

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

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 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. CBA New Digital Businesses Pty Ltd has been appointed as 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 2024 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 2024 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.

  • A unique offer code will be available through the CommBank Yello Hub in your CommBank App.
  • You must use a CommBank credit card, debit card or bank account as your online bill payment method.
  • Offer available to new Amber service customers only who sign up by 30 June 2024.
  • The areas where Amber is available, include NSW, Victoria, SA, ACT, and south-east Queensland.
  • Limit of one code per customer.
  • If you fail to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set at any time, you will continue to receive any remaining portion of the six-month discount. You must continue to use an eligible CommBank online payment method to keep the discounts.
  • If during the six months’ promotional period you switch your payment method to an ineligible payment method or your CommBank card expires, you’ll forfeit any remaining discounted months. Access to the offer will be revoked the following month.
  • You’re free to cancel at any time without charge. If 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 your specific CommBank Yello benefit set. You can gift CommBank Yello promo codes to other CommBank customers. To ensure the credit is applied, all customers must comply with these eligibility requirements. 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 is not valid if you choose to leave Amber. You can move between CommBank Yello benefit sets, but you won’t be able to move to a different 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.

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 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. CBA New Digital Businesses Pty Ltd has been appointed as 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 2024 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 2024 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.

  • A unique offer code will be available through the CommBank Yello Hub in your CommBank App.
  • You must use a CommBank credit card, debit card or bank account as your online bill payment method.
  • Offer available to new Amber service customers only who sign up by 30 June 2024.
  • The areas where Amber is available, include NSW, Victoria, SA, ACT and south-east Queensland.
  • Limit of one code per customer.
  • If you fail to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set at any time, you will continue to receive any remaining portion of the six-month discount. You must continue to use an eligible CommBank online payment method to keep the discounts.
  • If during the six months’ promotional period you switch your payment method to an ineligible payment method or your CommBank card expires, you’ll forfeit any remaining discounted months. Access to the offer will be revoked the following month.
  • You’re free to cancel at any time without charge. If 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 your specific CommBank Yello benefit set. You can gift CommBank Yello promo codes to other CommBank customers. To ensure the credit is applied, all customers must comply with these eligibility requirements. 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 is not valid if you choose to leave Amber. You can move between CommBank Yello benefit sets, but you won’t be able to move to a different 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)

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

Your home loan is not eligible if it is:

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

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.

Loan amount

1 – 3 years (fully funded)
3 – 5 years (fully funded)
5+ years (fully funded)

Less than $1m

$5 per month

$10 per month

$15 per month

More than $1m

$10 per month

$20 per month

$30 per month


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.

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 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. CBA New Digital Businesses Pty Ltd has been appointed as 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 2024 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 2024 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.

  • A unique offer code will be available through the CommBank Yello Hub in your CommBank App.
  • You must use a CommBank credit card, debit card or bank account as your online bill payment method.
  • Offer available to new Amber service customers only who sign up by 30 June 2024.
  • The areas where Amber is available, include NSW, Victoria, SA, ACT, and south-east Queensland.[BS8]
  • Limit of one code per customer.
  • If you fail to meet the eligibility criteria for the CommBank Yello Everyday, Everyday Plus or Homeowner benefit set at any time, you will continue to receive any remaining portion of the six-month discount. You must continue to use an eligible CommBank online payment method to keep the discounts.
  • If during the six months’ promotional period you switch your payment method to an ineligible payment method or your CommBank card expires, you’ll forfeit any remaining discounted months. Access to the offer will be revoked the following month.
  • You’re free to cancel at any time without charge. If 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 your specific CommBank Yello benefit set. You can gift CommBank Yello promo codes to other CommBank customers. To ensure the credit is applied, all customers must comply with these eligibility requirements. 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 is not valid if you choose to leave Amber. You can move between CommBank Yello benefit sets, but you won’t be able to move to a different 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.
  • If you join Amber for Batteries you get $100 cash back if over the first 12 months if you achieve an average Feed-in Tariff that’s lower than any other Feed-in-Tariff (available in your network area) over the same time period (where eligibility for the other offer does not also require purchase of a solar or battery system).To claim this offer you must remain an Amber for Batteries customer for the duration of the 12 month period. To redeem, send an email to info@amber.com.au with proof of the higher advertised FiT in your network area for the corresponding 12 months with Amber for Batteries and we will apply the $100 credit to your next bill.

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.

Prize draw

If you’re a Homeowner 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 $1,200 cash prize. For the Everyday Plus Terms and Conditions, refer to Section 10 of 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)

Opting out of CommBank Yello

You can choose to opt out at any time in the CommBank app or by visiting a branch. If you opt out of the program, you won’t be entitled to any further benefits.

You can opt back in at any time by messaging us in the CommBank app 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.

Things you should know

  • 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.

    ^ Streamline Basic and Business bank accounts are not eligible transaction accounts for CommBank Yello.

    If you win a prize draw, we’ll need to publish your first initial, surname and state (e.g. A. Citizen, NSW) on our website.

    If you don’t use the CommBank app, you’ll still be entered into the prize draws and receive CommBank product cashbacks e.g. home insurance, Home Loan Package, Personal Loan cashbacks (if eligible).

    Any CommBank product cashbacks (e.g. home insurance, Home Loan Package, Personal Loan cashbacks) and prize draw winnings will be paid into a joint account if you don’t have an eligible single account, unless you have selected the account your cash benefits are paid into.

    To opt out of CommBank Yello, please message us in the CommBank app or visit your local branch.

    View current Terms and Conditions (PDF)

    View Frequently Asked Questions