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Higher interest rates on purchases compared to our Low Rate credit card. May not be suitable if you only make minimum repayment over a prolonged period of time.
Earn unlimited points with your Smart credit card if you’re eligible for CommBank Yello, with up to 6.5 points per $1 spent on eligible purchases.1 With opportunities to earn points not only on your credit card, but across more of your banking moments. Click here to learn more about CommBank Yello.
We’re bringing you new brands where you can earn or redeem points, with even more on the way. Whether it’s the weekly grocery shop or that trip you’ve been dreaming of, points give you more choice in how you’re rewarded. And alongside new brands, you’ll also have access to the brands you already know and love.
Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.
These are the rates and fees for the Smart credit card from 29 September 2026.
The insurance included with a Smart credit card is changing on 29 September 2026.
From this date, international travel insurance will be underwritten by Allied World Assurance Company, arranged through Cover Genius.
To learn more about other changes to included insurances, visit here.
Continue earning and redeeming your Awards points until the CommBank Awards program closes on 29 September 2026. After this:
Your remaining Awards points will be converted into a one-off cash back amount and applied to your credit card account.
If your credit card account was closed before the Awards Program ended, any Awards points not redeemed before the Awards Program ends, will be available for you to redeem for cash at the applicable conversion rate set by us and subject to change from time to time, by contacting us within 90 days of your account being closed. After that time, they will be forfeited.
* 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). 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.
# Value is calculated by adding together the annual approximate retail value of travel and dining credits, DashPass membership, travel insurance. Actual retail pricing may vary over time. Terms and conditions and exclusions apply.2,5
1 CommBank Yello points on eligible Travel Booking and Dine In Deals transactions will be available from 1 October 2026.
Points earn per $1 spent on Travel Booking and Dine In Deals are based on your Yello eligibility points earn, plus the following bonus points:
How you earn or redeem CommBank Yello points will be subject to the CommBank Yello Program Terms & Conditions. 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).
2 While you have an open and active Smart credit card, dining credits will be applied to your Dine In Deals account and may take up to 7 business days from the date they are granted, issued or credited, although in some cases it may take longer. Dining credits are not transferable or exchangeable for cash. Unused dining credits can accumulate until they expire.
Dining credits are only issued where the applicable card fee has been charged. Where the fee is waived or not charged, no dining credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Smart: $2,000 per statement period). The dining credit expires 12 months after it is issued. Dining credit benefit is subject to change, and removal without notice and at our discretion.
In the event that you no longer hold an open and active Eligible CommBank Card, any unused dining credits will be forfeited.
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, visit eatclub.com.au/terms/dineindeals.
3 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.
4 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 Awards – 1 claim per year up to $500 with a 10% excess
5 While you have an open and active 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 (Smart: $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 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.
6 The Contract of Insurance (Group Policy) between Commonwealth Bank of Australia and Zurich Australian Insurance Limited ABN 13 000 296 640, AFS License Number 232507 is terminating. Insurance arranged on and after 29 September 2026 will not be issued under this Group Policy.
7 To gain access to participating airport lounges, you must register your Smart 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. Each time you visit a lounge, you will be charged a lounge visit fee on your Smart card. You will also be charged a lounge visit fee for each additional guest you bring with you. Please note, your lounge access may be blocked if your primary 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.
8 A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit. For cash advances made via NetBank transfers, CommBank App transfers, or ATMs, the fee will be $0 if your closing balance was in credit the previous business day.
The information on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the information, consider its appropriateness to your circumstances. Please view our Financial Services Guide. 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. Please view our Credit Card Conditions of Use.
Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit license 234945
