Help & support
Earn CommBank Yello points2 ;when you use your CommBank Premium credit card on eligible purchases.
Offer
Earn up to 60,000 CommBank Yello points
Earn 30,000 CommBank Yello points when you spend $4,500 or more on eligible spend with your new Smart credit card within 90 days of activating your card, and become CommBank Yello eligible within that 90-day period and remain eligible until the points are paid. Earn an additional 30,000 CommBank Yello points when you keep your account open for more than 12 months from card activation and are CommBank Yello eligible at the 12-month anniversary of your card activation as well as at the time the points are paid to your account (which is usually within 31 days from the date that full eligibility requirements are met).
CommBank Yello eligibility criteria and an eligible transaction account are required. Offer and CommBank Yello T&Cs apply^
OFFER
Earn up to 100,000 CommBank Yello points and up to $600 in travel credits from Travel Booking
Spend $9,000 or more on eligible spend with your new Ultimate credit card within 90 days of activating your card to receive $300 in travel credits from Travel Booking. You’ll also earn 50,000 CommBank Yello points when you meet this spend requirement and become CommBank Yello eligible within that 90-day period. You must remain CommBank Yello eligible until the points are paid. Earn an additional 50,000 CommBank Yello points when you keep your account open for more than 12 months and are CommBank Yello eligible at the 12-month anniversary of your card activation and until the points are paid (which is usually within 31 days from the date on which eligibility requirements are met).
CommBank Yello eligibility criteria and an eligible transaction account are required. You may also receive a $25 travel credit each month, valued at $300 each year, while you continue to meet the eligibility requirements for the Ultimate card’s monthly travel credit benefit. Exclusions, Offer and CommBank Yello T&Cs apply.*
^ Offer commences 29 September 2026 and is available only for new Smart credit card applications. The offer is not available to customers who currently hold, or have held, any activated Awards card types (standard, gold, platinum, diamond) or Smart and Ultimate cards in the previous 24 months as a primary cardholder, or to customers who switch from another card type to a Smart or Ultimate card.
To be eligible to receive up to 60,000 CommBank Yello points with a new Smart credit card, you must spend at least $4,500 on eligible spend within 90 days from the date your card is activated and keep your account open for more than 12 months. You must also be eligible for CommBank Yello within 90 days from card activation and at the 12 month anniversary date of card activation.
Cash advances and refunds are not eligible spend. Spend is assessed using the original transaction date. Refunds processed during the spend period do not count towards the minimum spend requirement and will increase the required spend requirement by the refund amount.
To receive the initial 30,000 CommBank Yello points, you must meet the eligible spend criteria and become eligible for CommBank Yello within 90 days of activating your card If you become eligible for CommBank Yello within this period, the CommBank Yello points will be paid to your CommBank Yello points balance, which can be viewed in the CommBank App. You will also need to be eligible for CommBank Yello when you choose to redeem your points.
To receive an additional 30,000 CommBank Yello points, you must keep your account open for more than 12 months from the date your card is activated and be eligible for CommBank Yello both at the 12-month anniversary of your card activation and at the time the additional CommBank Yello Points are paid (which is usually within 31 days from the date that full eligibility requirements are satisfied). You must receive the initial 30,000 CommBank Yello points to be eligible to receive the additional 30,000 Yello points.
CommBank Yello points are typically paid within 31 days of meeting the offer eligibility. Occasionally, this may take longer. CommBank Yello points will appear as “Credit Card Sign-Up offer”. More information on CommBank Yello eligibility can be found here: https://www.commbank.com.au/commbank-yello/faqs.html
You will not be eligible for any CommBank Yello points that have not yet been paid if your Credit Card account is closed, switched to another card, or in default at any time before the relevant CommBank Yello points are credited.
Offer is only available on one credit card per customer.
CommBank may vary or withdraw this Offer acting fairly and reasonably; having regard to its legitimate business interests; and providing reasonable prior notice for unfavourable or material changes.
There may be tax implications of receiving CommBank Yello points under this Offer. Please check our FAQs available at commbank.com.au/commbank-yello/faqs for further information or seek independent advice from your accountant or tax adviser.
We will make every effort to provide accurate information on the CommBank Yello website and in other communications about the Program, and to operate our systems and processes consistently with these Offer terms and conditions. However, sometimes errors do occur (for example, due to limitations in our systems and processes). Where that happens, without limiting any rights you may have relating to the error, we may, as appropriate, at a later time but as soon as practicable after the error has been identified, make adjustments to put you in the same or similar position had the error not occurred. To the extent permitted by law, we are not responsible for any inaccuracies or misdescriptions except to the extent caused by our negligence, fraud or wilful misconduct.
These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these Offer terms prevail in relation to this Offer. For further information on Program eligibility, refer to the CommBank Yello Terms and Conditions.
* Offer commences 29 September 2026 and is available only for new Ultimate credit card applications. The offer is not available to customers who currently hold, or have held, any activated Awards card types (standard, gold, platinum, diamond, smart, ultimate) or Smart and Ultimate cards in the previous 24 months as a primary cardholder, or to customers who switch from another card type to an Ultimate credit card.
Acquisition Offer
To be eligible to receive up to 100,000 CommBank Yello points with a new Ultimate credit card, you must spend at least $9,000 on eligible purchases within 90 days from the date your card is activated and keep your account open for more than 12 months from the date of card activation. You must also be eligible for CommBank Yello and remain eligible until the points are paid. To receive the $300 in Travel Credits you are only required to meet the $9,000 spend eligibility requirement. Up to $300 in travel credits may also be credited in equal payments of $25 for each month if you continue to meet the eligibility requirements for the Ultimate card’s monthly travel credits benefit.
Cash advances and refunds are not eligible spend. Spend is assessed using the original transaction date. Refunds processed during the spend period do not count towards the minimum spend requirement and will increase the required spend by the refund amount.
Offer is only available on one credit card per customer.
CommBank Yello points
To receive the initial 50,000 CommBank Yello points, you must meet the eligible spend criteria and become eligible for CommBank Yello within 90 days of activating your card. You must also remain eligible for CommBank Yello until the CommBank Yello points are paid (which is usually within 31 days from the date on which full eligibility requirements are met), and you must also be CommBank Yello eligible on the 12-month anniversary date of card activation. If you become eligible for CommBank Yello within this period, the CommBank Yello points will be paid to your CommBank Yello points balance. You will also need to be eligible for CommBank Yello when you choose to redeem your points.
To receive the additional 50,000 CommBank Yello points, you must have received the initial 50,000 CommBank Yello points, keep your account open for more than 12 months from the date your card is activated, and be eligible for CommBank Yello both at the 12-month anniversary of your card activation and at the time the additional CommBank Yello Points are paid (which is usually within 31 days from meeting the eligibility requirements).
CommBank Yello points are typically paid within 31 days of meeting the relevant offer eligibility criteria. Occasionally, this may take longer. CommBank Yello points will appear as “Credit Card Sign-Up offer” in your CommBank Yello points activity. More information on CommBank Yello eligibility can be found here: https://www.commbank.com.au/commbank-yello/faqs.html
Travel Credits:
To receive travel credits, you must log in to the CommBank app or NetBank and access the Travel Booking platform within 90 days after your spend period ends. If your travel credits are not visible, you may need to access the platform again after they have been credited. CommBank Yello eligibility is not a requirement to receive the travel credits.
Travel credits will be credited to your Travel Booking account within 90 days after you meet the relevant eligibility criteria for each credit. Once credited, travel credits are subject to the Travel Booking terms and conditions. For more information about earning or redeeming travel credits via Travel Booking, including full terms and conditions, visit Travel Booking Terms and Conditions
Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.
Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
You will not be eligible for any uncredited CommBank Yello points or travel credits if your Credit Card account is closed, switched to another card or in default.
Monthly Travel Credits:
While you have an open and active Ultimate credit card, monthly Travel Credits will be applied to your Travel Booking Wallet within 7 business days of the grant or issuance, but in some cases may take longer, and have a 1-year expiry from the date granted, issued, and/or credited. These travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website.
Monthly Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Ultimate: $4,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.
When redeeming these monthly travel credits, the entire value of your Travel Booking Wallet will be applied to pay for all or a portion of the booking amount in a single transaction. If the booking amount is less than the total value of your travel credits, the remaining balance of travel credits will remain in your Travel Booking Wallet for future use.
In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated monthly travel credits.
For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit travelbooking.hopper.com/terms.
Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.
Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
General:
CommBank may vary or withdraw this Offer acting fairly and reasonably; having regard to its legitimate business interests; and providing reasonable prior notice for unfavourable or material changes.
There may be tax implications of receiving CommBank Yello points under this Offer. Please check our FAQs available at commbank.com.au/commbank-yello/faqs for further information or seek independent advice from your accountant or tax adviser.
We will make every effort to provide accurate information on the CommBank Yello website and in other communications about the Program, and to operate our systems and processes consistently with these Offer terms and conditions. However, sometimes errors do occur (for example, due to limitations in our systems and processes). Where that happens, without limiting any rights you may have relating to the error, we may, as appropriate, at a later time but as soon as practicable after the error has been identified, make adjustments to put you in the same or similar position had the error not occurred. To the extent permitted by law, we are not responsible for any inaccuracies or misdescriptions except to the extent caused by our negligence, fraud or wilful misconduct.
These Offer terms and conditions apply in addition to the CommBank Yello Terms and Conditions. If there is any inconsistency, the CommBank Yello Terms and Conditions prevail in relation to Program eligibility and Program rules, and these Offer terms prevail in relation to this Offer. For further information on Program eligibility, refer to the CommBank Yello Terms and Conditions.
2 How you earn and redeem CommBank Yello points will be subject to the CommBank Yello Program Terms & Conditions including holding an eligible transaction account. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards, Business Gold Awards and Business Platinum credit card).
3 While you have an open and active Ultimate or Smart credit card, dining credits will be automatically credited to your Dine In Deals account. Please allow up to 7 business days for a dining credit to appear in your account. In some circumstances, it may take longer.
Dining credits are not transferable or exchangeable for cash. Unused dining credits will accumulate in your Dine In Deals account and expire 12 months after the date they are credited to your account.
You will receive a dining credit only where the applicable credit card fee has been charged for the relevant period. However, you will still receive the dining credit if the fee is waived because you meet the minimum spend requirement (for the Ultimate credit card: $4,000 per statement period; for the Smart credit card: $2,000 per statement period). You will not receive a dining credit if the fee is waived or not charged for any other reason.
The Dine In Deals offer is subject to change and removal at our discretion, acting reasonably and, where practicable, with prior notice to you.
Where a dining credit is redeemed through Dine In Deals, the amount payable will be calculated in the following order: Any applicable Dine In Deals discount will be applied to the eligible transaction amount; any applicable promo code will then be applied to the discounted amount; and any available dining credit will be applied last. The final amount payable is calculated as: eligible transaction amount - Dine In Deals discount - promo code value - dining credit value. Where a customer has both a promo code and a dining credit available, the promo code will be applied before the dining credit. Example: For an eligible transaction of $100 with a 25% Dine In Deals discount, a $10 promo code and a $10 dining credit: the 25% Dine In Deals discount reduces the transaction amount from $100 to $75; the $10 promo code reduces the amount payable from $75 to $65; and the $10 dining credit reduces the amount payable from $65 to $55. Accordingly, the final amount payable will be $55, plus any applicable service fee.In the event that you no longer hold an open and active Ultimate or Smart credit card, any unused dining credits will be forfeited.
EatClub and CommBank reserve the right to revoke access to offers, reverse discounts, or cancel bookings where misuse and fraudulent activity is reasonably suspected.
Dine In Deals is a platform and service provided by EatClub Pty Ltd ABN 67 610 093 297, accessible to customers of CommBank via the CommBank App. Dine In Deals offers dining deals at participating restaurants and venues. EatClub is not part of the CBA Group. CommBank does not endorse any participating venue, or the services offered through the Dine In Deals platform, and is not responsible for, nor does it warrant or guarantee, the accuracy or completeness of the platform content or the performance of EatClub or its services. For full terms and conditions governing the use of Dine In Deals, visit eatclub.com.au/terms/dineindeals.
4 DashPass is provided by DoorDash Inc (DoorDash). DoorDash is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the DoorDash terms and conditions. CBA does not guarantee the obligations or performance of DoorDash or the services it offers. DoorDash benefits are subject to change, and removal without notice and at our discretion.
5 Cracked Screen Cover reimburses eligible mobile phone screen repair costs only and does not provide cover for damage to any other part of the device. Cover begins when your eligible card account is opened and applies to eligible mobile phones for up to 3 years from the date of purchase. To be eligible, the phone must have been purchased using an eligible CommBank card or be part of a phone plan paid for using an eligible CommBank card. Limits apply: Smart – 1 claim per year up to $500 with a 10% excess; Ultimate – 1 claim per year up to $1,000 with a 10% excess. Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD for details.
6 Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking Terms and Conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.
Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
For more information, read the full Travel Booking Terms and Conditions.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945.
7 While you have an open and active Ultimate/Smart credit card, Travel Credits will be applied to your Travel Booking Wallet within 7 business days of the grant or issuance, but in some cases may take longer, and have a 1-year expiry from the date granted, issued, and/or credited. These travel credits are not transferable or exchangeable for cash. Expiry dates can be viewed in your Wallet & Offers page of the Travel Booking website.
Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (for the Ultimate credit card: $4,000 per statement period; for the Smart credit card: $2,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.
When redeeming these travel credits, the entire value of your Travel Booking Wallet will be applied to pay for all or a portion of the booking amount in a single transaction. If the booking amount is less than the total value of your travel credits, the remaining balance of travel credits will remain in your Travel Booking Wallet for future use.
In the event that you no longer hold an open and active Eligible CommBank Card, you will forfeit all accumulated travel credits.
For full terms and conditions including the features provided by Hopper, and for any capitalised terms used here related to Travel Booking, visit Travel Booking Terms and Conditions.
Travel Booking is provided by Hopper Inc (Hopper). Hopper is not part of the CBA Group. CBA is not responsible for the content on this portal, nor the provision of any of the services that are offered through this portal. The services offered are subject to the Travel Booking terms and conditions. CBA does not guarantee the obligations or performance of Hopper or the services it offers.
All travel products and offers from Travel Booking are subject to availability and can only be booked by a holder of an Eligible CommBank Card.
Eligible CommBank Card means an active CommBank retail or business credit and debit cards, StepPay card or Travel Money Cards.
Customers are responsible for reviewing and accepting the terms and conditions of Hopper Inc. and any relevant provider (e.g. Airline, Hotel, Car company) before confirming a booking.
CommBank will receive a portion of the revenue generated from the Travel Booking platform.
8 Cover is provided by XCover.com, a trading name of Cover Genius Pty Ltd (ABN 43 159 983 598, AFS Licence No. 490058), and underwritten by Allied World Assurance Company Ltd (ABN 54 163 304 907), for Commonwealth Bank of Australia (CBA). Limitations, exclusions (including for pre-existing medical conditions and persons aged 80 years or over) and eligibility criteria apply. You may need to upgrade your travel insurance in order tohave a comprehensive or extended level of cover. Before acting on this information you should consider the appropriateness of the product with regard to your personal circumstances. See the Card Insurances Combined Product Disclosure Statement & Financial Service Guide and Card Travel Insurance TMD for details. Commonwealth Bank and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either Commonwealth Bank or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase an upgrade policy, we (Commonwealth Bank) receive a commission which is a percentage of your premium.
9 To gain access to participating airport lounges, you must register your Smart and/or Ultimate card on the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com, generate a membership QR code and present this along with your boarding pass for validation. Ultimate customers receive two complimentary lounge visits per calendar year, each visit can be used by either the primary cardholder or guest. Guest must always be accompanied by the primary cardholder and cannot use the access on their own. Smart customers will pay a fee. Please note, your lounge access may be blocked if your account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason. To redeem an offer visit the Mastercard Travel Pass app or mastercardtravelpass.dragonpass.com to select your preferred offer and generate an offer QR code. Present the valid offer QR code to the cashier and redeem the offer. Please note, offers vary by location. For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit FAQs.
10 For Ultimate credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $35. Spend includes all purchases and cash advances made using your Ultimate credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From your first statement issued on or after 1 January 2027, the monthly fee waiver based on spend will be removed and the $35 monthly fee will apply.
For Smart credit cards, there is no monthly fee if you spend at least $2,000 on your Smart credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $19. Spend includes all purchases and cash advances made using your Smart credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). From your first statement issued on or after 1 January 2027, the monthly fee waiver based on spend will be removed and the $19 monthly fee will apply.
11 Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply.
12 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart and Ultimate Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. Cashbacks may take up to 30 days to appear on your statement. Visit Mastercard Travel Rewards for a list of participating merchants and to find out more.
13The Monthly Credit applies to subtotal only and does not apply to fees, taxes, or gratuity. If the full value of a Monthly Credit is not used on a single order, any remaining value will be forfeited. The Monthly Credit must be used during the calendar month in which it is issued or it will expire. An eligible CommBank Ultimate credit card must be used as the payment method. Eligible merchants, items, and order types may be limited. The Monthly Credit may not be combined with other DoorDash promotional discounts, coupons, or offer codes unless DoorDash expressly states otherwise. For orders containing alcohol, any discount is subject to restrictions imposed by applicable law or other restrictions imposed by DoorDash.
