Get outstanding value with the Smart Awards credit card

Enjoy up to 40,000 bonus Qantas Points. Earn 10,000 Qantas Points each month when you spend $1,500 or more per month for the first four months. Apply by 29 February 2024. Terms and conditions apply.^

How it works

  • Qantas Frequent Flyer members can opt-in to earn Qantas Points on everyday purchases using a CommBank Awards credit card2

    • Use your Qantas Points to choose from thousands of rewards such as flights, flight upgrades, hotel stays, wine or shopping at Qantas Marketplace.
    • Points you earn are transferred to your Qantas Frequent Flyer account at the end of each statement period at a rate of 2.5 CommBank Awards points to 1 Qantas Point3.
    • Easily check your Qantas Points balance4 through your Qantas Frequent Flyer account.
    • To opt-in, choose Qantas Points instead of CommBank Awards points in your credit card application. Existing CommBank Awards cardholders can opt-in to Qantas Points via the CommBank Awards website or by calling 13 16 61.

Not a Qantas Frequent Flyer member yet?

CommBank Awards credit cardholders can join for free

Join now

Cards that earn Qantas Points

Trade-offs

  • Ultimate Awards has a higher monthly fee. The fee is waived if spend criteria is met.
  • Higher interest rates on purchases compared to our CommBank Neo, Low Rate and Low Fee credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • International transaction fees apply on Awards
  • $60 per year to opt-in to earn Qantas Points6
  • You will not be able to opt-in to earn Qantas Points on the Awards credit card

Ulitmate Awards credit card

Ultimate Awards credit card

  • Earn up to 1.2 Qantas Points2 for every $1 spent on eligible purchases, up to and including $10,000 in a statement period
  • Earn unlimited Qantas Points each year
  • $60 per year to opt-in to earn Qantas Points6
  • No monthly fee7 if you spend at least $4,000 during your statement period. Otherwise the monthly fee is $35
  • No international transaction fees8
  • Access to international travel insurance, simply activate before you travel (from 7 February 2024, you’ll need to spend $500 on prepaid travel using your card and activate to receive any cover)9
  • 20.99% p.a. purchase interest rate
  • Minimum credit limit of $6,000
  • Ultimate Awards gives you access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass. Enjoy two complimentary airport lounge passes per calendar year to over 1,300 airport lounges worldwide and up-to-date travel information14
  • Enjoy cashback offers at participating overseas merchants with Mastercard Travel Rewards11
  • No additional cardholder fee
  • Up to 55 days interest-free on purchases

More about Ultimate Awards credit card

Apply now

New

  • Earn up to 0.6 Qantas Points2 for every $1 spent up to and including $5,000 in a statement period on eligible purchase
  • Points Boost: Earn up to 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 400 Qantas Points5
  • $60 per year to opt-in to earn Qantas Points6
  • No monthly fee7 if you spend at least $2,000 during your statement period. Otherwise the monthly fee is $19
  • Pay no international transaction fees for purchases you make overseas or online8
  • Access to international travel insurance, simply activate before you travel (from 7 February 2024, you’ll need to spend $500 on prepaid travel using your card and activate to receive any cover)9
  • 20.99% p.a. purchase interest rate
  • Minimum credit limit of $3,000
  • Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard Travel Pass provided by DragonPass with your Smart Awards credit card14
  • Pay no additional cardholder fee
  • Up to 55 days interest-free on purchases

More on Smart Awards credit card

OFFER

Earn up to 40,000 bonus Qantas Points. Earn 10,000 Qantas Points each month when you spend $1,500 or more per month for the first four months. Apply by 29 February 2024. Terms and conditions apply.^

Apply now

Business Awards cards can earn Qantas Points too

Dream closer with Qantas Points

Treat yourself to your next getaway. Just use Qantas Points for a Classic Flight Reward. 

Gold Coast

Sydney to Gold Coast

Fly from Sydney to Gold Coast return on an Economy Classic Flight Reward for 16,000 Qantas Points plus $86 taxes, fees and carrier charges12

Perth

Melbourne to Perth

Fly from Melbourne to Perth return on an Economy Classic Flight Reward for 36,000 Qantas Points plus $80 taxes, fees and carrier charges12.

Auckland

Brisbane to Queenstown

Fly from Brisbane to Queenstown on an Economy Classic Flight Reward for 36,000 Qantas Points plus $280 taxes, fees and carrier charges12.

Using your Qantas Points

  • Flights

    Whether you’d like to choose a great value Classic Flight Reward, upgrade your seat or choose a Points Plus Pay Flight13 for extra flexibility, there are so many ways to use your points when flying.

    Find out more

  • Hotels and accommodation

    Choose from over 200,000 hotel and accommodation options worldwide and earn Qantas Points while you stay.

    Find out more

  • Qantas Marketplace

    Use your Qantas Points on more than 20,000 products from over 900 of the world’s leading brands, through Qantas Marketplace.

    Find out more

  • Wine

    Qantas Wine works with over 200 wineries and gourmet food producers from Australia's leading wine regions. Explore our range of over 2,000 wines, beers and spirits, and gourmet food products delivered directly to your door.

    Find out more

More ways to earn Qantas Points

    • Once you’ve opted in to earn Qantas Points, use your Commbank Awards credit card with Qantas Frequent Flyer program partners and earn even more points to get on your dream trip sooner – once with your credit card and again with the program partner.
    • Purchasing your flight on Qantas.com
    • Shopping online with over 900 of your favourite brands through Qantas Marketplace.
    • Filling up at BP Service Stations
    • Getting your everyday essentials at Woolworths, Big W or BWS 
    • Booking a night away with Qantas Hotels
    • Shopping for over 2000 products with Qantas Wine

Things you should know

  • ^ Offer available on new Smart Awards credit cards applied for between 1 October 2023 and 29 February 2024. Offer not available on existing cards or switches from other card types and is not available to customers who currently hold, or have held, any activated Awards card types in the 12 months prior as a primary cardholder. You will be ineligible for the bonus Qantas Points or CommBank Awards points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

    The monthly spend criteria is based on four successive 30 day periods and 20,000 CommBank Awards points or 10,000 bonus Qantas Points will be awarded when you spend $1,500 or more, minus any cash advances or refunds, in a month for the first four months. Your first 30 day period commences from the day your account is opened which you can find on your first statement. Maximum points available is 80,000 CommBank Awards points or 40,000 Qantas Points. Transactions must be fully processed and any pending transactions at the end of the period will not count towards the spend criteria for that period. Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the spend criteria each month.

    To be awarded the bonus Qantas Points, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. If you opt-in to Qantas Points in your credit card application, or after applying but before you meet each offer eligibility criteria, you will receive 10,000 bonus Qantas Points in place of CommBank Awards each month. Points are initially accrued as Awards points in the CommBank Awards Program and will be automatically converted, at the end of the next Statement Period, into Qantas Points and transferred to your Qantas Frequent Flyer account after meeting the eligibility criteria. If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the spend eligibility criteria, you will receive 20,000 CommBank Awards points each month.

    The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

    Offer only available on one credit card per customer. We reserve the right to close the offer prior to 29 February 2024.

    You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, join for free here. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

    2 If you opt-in to earn Qantas Points, your CommBank Awards points earned each month are automatically transferred to your Qantas Frequent Flyer account at the rate of 2.5 CommBank Awards points to 1 Qantas Point. Points are earned 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 card) and are subject to points capping depending on card type. How you earn or redeem CommBank Awards points will be subject to the CommBank Awards Program Terms & Conditions. Awards and the number of points required for Awards are subject to change at any time without notice.

    Earning Qantas Points on the:

    a)    Ultimate Awards Card

    You can earn up to 1.2 Qantas Points for eligible purchases you make on the Ultimate Awards card.

    You get 1.2 Qantas Points for every $1 spent on international transactions. Includes any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas.

    You get 0.8 Qantas Points for every $1 spent at major Australian supermarkets, department stores and petrol stations, dining (cafes, restaurants & fast food) and utilities (electricity, gas & water). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

    You get 0.4 Qantas Points for every $1 spent on all other purchases.

    After spending $10,000 in a given statement period, any additional eligible purchases (regardless of category) made within the same statement period will earn 0.2 points per $1 spent.

    b)    Smart Awards Card

    You can earn up to 0.6 Qantas points for eligible purchases you make on the Smart Awards Card.

    You get 0.6 Qantas Points for every $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants & fast food) and utilities (electricity, gas & water). Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

    You get 0.4 Qantas Points for every $1 spent on all other purchases.

    After spending $5,000 in a given statement period, any additional eligible purchases (regardless of category) made within the same statement period will earn 0.2 points per $1 spent.

    3 Points transferred to your Qantas Frequent Flyer account are captured on your credit card statement.

    4 You’ll need to earn or use your Qantas Points at least once every 18 months to keep your Qantas Points from expiring.

    5 Points Boost: Earn up to 0.8 Qantas Points per $1 spent on your highest eligible transaction made in a statement period up to 400 Qantas Points. Points Boosts will be applied at the end of each statement period (in some instances, purchases at the end of the statement period may be allocated to the next statement period and may be identified as the highest Eligible Purchase for that statement period). They will appear on your credit card statement under the ‘Awards Transactions’ section.

    6 Opt-in to earn Qantas Points is $60 per year. This is a non-refundable additional fee charged to your card when you opt-in and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees.

    7 For Ultimate Awards credit cards, there is no monthly fee if you spend at least $4,000 on your Ultimate Awards 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 Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions)

    For Smart Awards credit cards, there is no monthly fee if you spend at least $2,000 on your Smart Awards 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 Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

    8 Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply.

    9 International travel insurance included on your credit card provides cover for you, your spouse and your accompanied children for return trips from Australia, up to a set period (from 7 February 2024, you’ll need to spend $500 on a single prepaid travel transaction using your eligible credit card to receive cover). You will need to activate your travel insurance for each trip in order to have a comprehensive level of cover. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. If you don't activate you'll receive base medical which includes personal liability cover and unlimited overseas emergency medical assistance and hospital expenses only (from 7 February 2024, this will change and you’ll need to activate to receive any cover). Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits, sub-limits and excesses apply. Before making a decision, refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet for full conditions. Insurance products listed are issued and administered by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (CBA). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA 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 (CBA) receive a commission which is a percentage of your premium. More information can be found at commbank.com.au/travelinsuranceincluded.​

    10 How CommBank Awards points and Qantas Points work:

    If you opt-in to earn Qantas Points, your CommBank Awards points earnt each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at the rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms

    11 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Ultimate Awards 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. 

    12 Classic Flight Reward seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges and Qantas Points are accurate at 28 August 2023 but subject to change. For more information, visit qantas.com/classicflightrewards.

    13 Points Plus Pay - Flights are available on any flight with a Qantas (QF), Jetstar (JQ), Jetstar Asia (3K), Jetstar Japan (GK) or Jetstar Pacific (BL, for bookings until 28 July 2020) flight number and selected partner airlines when travelling on a Qantas fare, as long as there is a seat available for sale. The Qantas Points required include taxes, fees and carrier charges (excluding any amounts payable to third parties at the airport), are subject to change and are quoted at the time of booking. A minimum of 5,000 points per booking on Qantas and 3,500 points per booking on Jetstar must be redeemed. Qantas Points may not be earned on some fare types or on some oneworld® Member Airline or airline partner flights. For more information, visit Points Plus Pay - Flights

    14 To gain access to participating airport lounges, you must register your Smart Awards and Ultimate Awards credit 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 Awards customers receive two complimentary lounge visits every year, per account, 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 Awards 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 at Mastercard Travel Pass.

    The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances.

    Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.

    Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

    Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945