Help & support
CommBank Yello is our rewards and recognition program. Eligible customers can earn CommBank Yello points through eligible CommBank products, everyday banking and participating offers. Points can be redeemed for a range of benefits, including travel, gift cards, other rewards programs.
You can also access discounts, presales and other perks. Plus, view your tier, points balance and activity in the CommBank app or NetBank (coming soon).
From 1 October 2026, CommBank Yello has evolved to a points-based rewards program to give eligible customers more ways to earn and more choice in how they redeem. This means eligible customers can earn Yello Points across more of their banking, not just from credit cards.
There are four CommBank Yello tiers:
Different tiers give you access to different benefits, offers and opportunities to earn CommBank Yello points. You can check your current tier in the CommBank app by tapping CBA Yello, or in NetBank (coming soon) by selecting CommBank Yello.
CommBank Yello
CommBank Yello Plus
CommBank Yello Gold
CommBank Yello Diamond
We check your eligibility in the first week of each month, based on your activity from the previous month. The exact date we check and update your eligibility may vary.
If you settled an eligible home loan in the previous month, you won’t need to make the required transactions to be eligible for Gold or Diamond in that month.
John has a Smart Access transaction account and a CommBank home loan. He wants to understand why he’s not receiving CommBank Yello tier benefits instead of Gold benefits.
In April, John is in the CommBank Yello tier. He made 16 transactions (12 outbound completed transactions and 4 pending transactions). John did not settle his home loan in April.
In May, he visited our branch to ask why he’s getting CommBank Yello benefits instead of Gold benefits.
John discovered 4 of his 16 transactions were pending at the end of April. To count towards his eligibility, all transactions need to be completed by the end of the month.
John made sure he met the Gold tier and program eligibility criteria in May. In June, he received Gold benefits.
If you no longer meet the eligibility requirements, your CommBank Yello tier, program access and benefits may change. For example, if you don’t meet a tier’s eligibility criteria for three consecutive months, you’ll move down to the next tier for another 3 months. Once there are no tiers left, you’ll lose access to the entire program. You can get access again if you meet eligibility criteria for the program and a tier. You’ll no longer get benefits if you become ineligible for CommBank Yello e.g. you close all your eligible account/s or opt out.
We check eligibility in the first week of the month, based on your activity last month. The exact date we check and update your eligibility may vary.
If you recently met the eligibility criteria, your benefits may not appear immediately. We check eligibility in the first week of the month, based on your activity last month. This means your benefits may be available in the following month.
It may also take up to 48 hours for eligible balance and completed transaction information to update.
If you think you've met the criteria and your benefits still haven't updated, you can message us in the CommBank app.
Eligible transaction accounts currently include:
Trustee accounts, business accounts and accounts opened in the name of a company or association aren't eligible transaction accounts
Eligible outbound transactions include:
These don't count as eligible outbound transactions:
Your eligible balance is the total balance held across your eligible CommBank accounts.
Eligible accounts include:
Yes, if you have a joint account, each account holder must meet the eligibility requirements for CommBank Yello to be a part of the program.
We check each customer’s eligibility at the start of the month, based on their activity last month.
If more than one person is eligible to receive CommBank Yello points, we’ll select a recipient based on our CommBank Yello Terms and Conditions.
You can view your CommBank Yello tier, points balance and benefits in CBA Yello the CommBank app or in CommBank Yello in NetBank (coming soon).
CommBank app
NetBank
Your CommBank Yello tier changes depending on if you meet the eligibility criteria for your current tier, or if you become eligible for a higher tier.
We check your eligibility each month. If you’re eligible for a higher tier, you may move up a tier when we check your eligibility next month. If you no longer meet the criteria for your current tier, your tier may change after your 3-month access period.
You can check your current tier in the CommBank app or NetBank (coming soon).
If you’ve met the criteria for a higher tier, your tier may change when we check your eligibility next month. Keep in mind that eligible balance and completed transaction information can take up to 48 hours to update.
If you think your tier has been applied incorrectly, please contact us. We'll review your eligibility and let you know if any changes are required.
You may also not be meeting the tier and program eligibility requirements.
There are lots of ways to earn Yello Points, depending on the eligible CommBank products and services you have. You may be able to earn Yello Points through eligible credit card spend, eligible CommBank products such as everyday banking, home lending and insurance, travel booked through CommBank Travel Booking, and participating offers. Some Yello Points are earned automatically when you meet the relevant criteria. For others, you may need to access the offer through CBA Yello in the CommBank app or NetBank (coming soon).
A CommBank Yello Earn Card includes any one of the following card types held with us:
The following account types are not considered CommBank Yello Earn Card accounts:
The time it takes for Yello Points to appear depends on how you earned them.
Some points may appear shortly after an eligible purchase, while bonus points and offer-based points may take longer. The expected timeframe will be included in the relevant product or offer details.
To view your points history, log on to the CommBank app, visit CBA Yello then View activity. Or log on to NetBank, select CommBank Yello then View activity.
Any Yello Points earned from the additional cardholder's purchase will be credited to the primary cardholder's Yello Points balance.
Some of the ways you can redeem your points for include:
The following examples show the points needed for selected comparable rewards. Conversion rates, fees and eligibility criteria apply and can change over time. Qantas Frequent Flyer is available to Awards (no longer sold) and Ultimate credit card customers.
Yes. Once your Yello Points have been paid to your points balance, they are available to redeem.
Some benefits or participating retailers may require a minimum number of points.You'll be able to see how many points are required before confirming your redemption.
You can check your available points balance in the CommBank app or NetBank (coming soon).
Yes, you can pay with points and cash at Myer, Apple and Travel Booking. To earn and/or redeem points at participating retailers, you must go to CBA Yello in the CommBank app.
If your redemption is processing, your order has been placed and is being prepared. If it's completed, your reward is ready or your redemption has been processed. If your redemption is unsuccessful, you can try redeeming again. If your points have already been deducted, they'll be refunded to your points balance.
If your redemption is unsuccessful and your points have been deducted, they'll be refunded to your points balance.
This will generally happen within a few business days, but occasionally it may take up to 15 business days.
You can try redeeming again or contact the customer support team on 1300 Yello 1 (1300 935 561) Monday to Friday, 8am – 8pm.
You'll also be sent an email when your gift card is ready, with a link to access it.
If you opt out of CommBank Yello or become ineligible for a tier, you may lose access to view your gift card. You should save or print your gift card details.
Yes. You can redeem multiple gift cards in the same transaction if they're for the same brand and value. Gift cards from different brands or with different values will need to be redeemed separately.
Your cash will be paid in your eligible CommBank account. You can update this in CommBank Yello settings. Payments takeup to 31 days after you redeem your points for cash.
Apple orders are typically dispatched within 15 business days.
If Apple cancels your order, your points will be refunded, and you'll receive a cancellation email within 1-2 business days.
For a faulty, damaged, or incorrect item, you can contact the customer support team on 1300 Yello1 (1300 935 561) Monday to Friday, 8am-8pm, within 7 business days and provide photos of the product and packaging.
For goods not received, you can contact the customer support team to check tracking details and escalate to Apple if needed
You can pay with Yello Points and an eligible CommBank credit card or gift card online or in-store (physical cards only). To pay with points online, log on to the CommBank app and tap CBA Yello. Tap Ways to redeem then Myer.
If a purchase is cancelled or refunded, you will lose the Yello Points and receive a Myer store credit instead.
Some CommBank Yello offers give you the opportunity to earn bonus Yello Points when you meet the Offer T&Cs.
For example, you may earn bonus points when you shop with a participating brand, book eligible travel or take up an eligible CommBank product. Each offer will outline the eligibility criteria, offer period and when your bonus points will be paid.
To discover all benefits, including offers from participating retailers, log on to the CommBank app and tap CBA Yello. For more information, go to CommBank Yello Terms & Conditions.
Some of our benefits include:
Everyday spending
Perks
Utilities
Credit & debit cards
Home & property
Travel
Insurance
Loans
Kids:
Tech:
To discover all benefits, including offers from participating retailers, log on to the CommBank app and tap CBA Yello. For more information, go to CommBank Yello Terms & Conditions.
Some of our benefits include:
Everyday spending
Perks
Utilities
Credit & debit cards
Home & property
Travel
Insurance
Investing & savings
Loans
Kids:
Tech:
To discover all benefits, including offers from participating retailers, log on to the CommBank app and tap CBA Yello. For more information, go to CommBank Yello Terms & Conditions.
Some of our benefits include:
Everyday spending
Perks
Utilities
Credit & debit cards
Home & property
Travel
Insurance
Investing & saving
Loans
Kids:
Tech:
To discover all benefits, including offers from participating retailers, log on to the CommBank app and tap CBA Yello. For more information, go to CommBank Yello Terms & Conditions.
Some of our benefits include:
Everyday spending
Perks
Utilities
Credit & debit cards
Home & property
Property report
Travel
Insurance
Investing & saving
Loans
Kids:
Tech:
The offers available to you may depend on factors such as your CommBank Yello eligibility or tier, the products you hold and the eligibility criteria for a particular offer.
This means you may not always see the same offers as another CommBank Yello customer
From 1 October 2026, you can't opt out of CommBank Yello offers while remaining in the program. If you don't want to participate in CommBank Yello, you can choose to opt out of the program.
Eligible CommBank Yello customers may have access to presale tickets, preferred tickets and other ticket offers for the selected concerts, events and entertainment nationwide. A CommBank Mastercard must be used to purchase tickets. Read the Terms and Conditions for general ticket offers.
Presale tickets give eligible CommBank Yello customers an opportunity to purchase tickets to selected tours before they go on sale to the general public. Preferred tickets are a limited number of tickets set aside from the general public and made available to eligible CommBank Yello customers for selected events. A CommBank Mastercard must be used to purchase presale and preferred tickets. Read the Terms and Conditions.
You can find any upcoming events by logging onto the CommBank app, tapping CBA Yello and going to the Perks section.
To access presale tickets, you'll need to be an eligible CommBank Yello customer and pay for the ticket with a CommBank Mastercard.
Yes. For selected events, eligible CommBank Yello customers can access a limited number of preferred tickets during the general public sale.
No, all you need to use is an eligible CommBank Mastercard at checkout.
For all checkout and technical issues, please contact the ticketing providers (e.g. Ticketek, or Ticketmaster), or contact Live Nation's customer support. For all credit card related inquiries or denied transactions, please contact us or Mastercard.
If an event is postponed or rescheduled, the event organiser will contact you with the new event date. Unless stated otherwise, your original tickets will be valid for the rescheduled event date. If you're unable to attend the rescheduled event date, you may request a refund. If an event is cancelled and will not be rescheduled, you'll be contacted by the ticketing provider and be issued a refund. Please contact the ticketing provider or Live Nation for more information
You can transfer your Yello Points to a participating loyalty programs through the CommBank app or NetBank (coming soon).
Depending on the program, you may be able to set up automatic transfers after linking your membership account or transfer points manually. For manual transfers, enter your membership details, select the number of Yello Points you'd like to transfer and confirm the transfer.
Before you confirm, we'll show you the applicable conversion rate, any applicable fee, and any minimum transfer requirements.
Transfer times vary depending on the participating loyalty program and the type of transfer. Points are typically paid within 31 calendar days after redeeming.
Some partners may support automatic or near real-time transfers, while others may process transfers manually and take several business days. We'll display the expected transfer timeframe before you confirm your transfer
Yes, if you have an Awards (no longer sold) or Ultimate credit card. You can transfer Yello Points to Qantas Frequent Flyer, subject to eligibility requirements.
To transfer points to Qantas Frequent Flyer, you'll first need to opt in and link your Qantas Frequent Flyer account in the CommBank app or NetBank (coming soon). Once linked, eligible Yello Points will automatically transfer to your Qantas Frequent Flyer account in line with your selected transfer preference.
An annual Qantas transfer fee of $149 per customer (not card) applies. This wil be displayed before you opt in.
Yes. You can use Yello Points to book eligible flights, accommodation and car hire through Travel Booking.
Depending on the booking, you may also be able to combine Yello Points with cash.
Yes. Eligible travel bookings made through Travel Booking may earn Yello Points.
The number of points you'll earn will depend on your CommBank Yello tier and the applicable earn rates at the time of booking.
If you cancel a travel booking, any refund of Yello Points or money will depend on the fare or booking conditions of your airline, hotel, car hire provider or other travel supplier.
If you're eligible for a refund, any returned points or payments will be processed in accordance with the applicable booking terms and conditions. Before you cancel, you should read the cancellation conditions that apply to your booking.
The CommBank Awards program closed on 29 September 2026.
Eligible CommBank Yello customers can now earn and redeem Yello Points through CommBank Yello, with more ways to earn points across eligible CommBank products, everyday banking and participating offers.
You can continue to use your eligible CommBank credit card as you do today.
If you're eligible for CommBank Yello, you can earn Yello Points through eligible products and services. This includes eligible credit card spend and other ways to earn across your banking, depending on the products and services you have.
If you're eligible for CommBank Yello but can't see your points balance, try updating to the latest version of the CommBank app or logging in again.
If you're still experiencing issues, contact us and we'll help resolve the problem
You can contact our customer support team at 1300 Yello1 (1300 935 561) Monday to Friday, 8am8pm. Calls to CommBank Yello customer support will be answered by Ascenda on behalf of CommBank.
Ascenda is CommBank's loyalty technology partner and helps us operate parts of the CommBank Yello program, including points management and redemption fulfilment.
To help deliver CommBank Yello, CommBank works with third-party providers, some of which are located overseas. For more information about our handling of your personal information, view the CommBank Yello Privacy Collection Notice or the CommBank Yello Program Terms and Conditions.
There may be tax implications of participating in Yello (such as earning Yello Points, redeeming rewards, receiving benefits or winning a prize) particularly if: i) you’re not an Australian tax resident; ii) you’re not receiving the prize in a wholly personal, private or domestic capacity; or iii) your accounts or products are connected to a business or investment. You should check with your accountant or tax adviser for further information.
Recipients of a prize or benefit may wish to consider Product Ruling PR 2026/18 issued by the Australian Taxation Office (ATO), which can be viewed on the ATO website.
The following information has been provided by the ATO. CommBank Yello is described as a “Scheme” and a “Product” solely for the purposes of the Product Ruling PR 2026/18.
The product ruling is only a ruling on the application of taxation law and is only binding on the ATO if the Scheme is implemented in the specific manner outlined in the product ruling.
The Commissioner of Taxation (“Commissioner”) does not sanction, endorse or guarantee this product. Further, the Commissioner gives no assurance that the product is commercially viable, that charges are reasonable, appropriate or represent industry norms, or that projected returns will be achieved or are reasonably based.
Potential participants must form their own view about the commercial and financial viability of the product. The Commissioner recommends you consult an independent financial (or other) adviser for such information.
CommBank app
NetBank (coming soon)
If you opt out of CommBank Yello, you’ll no longer be able to:
If you have Yello Points, they’ll expire after two years of inactivity, i.e. if you don’t earn or redeem Yello Points for two years.
You may continue to get messages about CommBank Yello generally.
Opting out of CommBank Yello doesn’t opt you out of CommBank Yello for Business.
As this information has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before relying on this information.
