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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, including holding an eligible transaction account.7 You’ll also have more opportunities to earn points across more of your banking moments. Click here to learn more about CommBank Yello.
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.
CommBank Yello eligibility criteria and an eligible transaction account are required until points are paid (typically within 31 days). Exclusions, offer and CommBank Yello T&Cs apply. *
You can earn up to 60,000 CommBank Yello points in two parts:
You must receive the first 30,000 points to be eligible for the additional 30,000 points. CommBank Yello eligibility criteria and an eligible transaction account apply. More information on CommBank Yello eligibility can be found here: https://www.commbank.com.au/commbank-yello/faqs.html
You won't receive any uncredited CommBank Yello points if your credit card account is closed, switched to another card type, in default, or if you don't meet the CommBank Yello eligibility requirements when the points are paid.
This offer is only available for new Smart credit card applications. You are not eligible if you currently hold, or have held, any activated Awards card types (standard, gold, platinum, diamond, smart or ultimate) or Smart and Ultimate cards in the previous 24 months as a primary cardholder, or if you switch from another card type to a Smart credit card. The offer is limited to one credit card per customer.
To receive CommBank Yello points, you must also meet the applicable CommBank Yello eligibility requirements.
By switching to Smart you are not eligible for the new card offer
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* 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 CommBank 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.
^ For a limited time, 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.
# 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. 1,4
1 While you have an open and active 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 (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.
2 DashPass Benefits: Benefits of DashPass from DoorDash include $0 delivery fees and reduced service fees on orders from DashPass eligible restaurants that meet the minimum order value requirement (“DashPass Benefits”). Provided the customer uses the eligible CommBank Ultimate, Smart, Diamond or Platinum Credit Card as payment method and maintains this card as a saved payment method in their DoorDash wallet Additional fees on orders may apply. For complete DoorDash Terms and Conditions click here. DashPass orders may be subject to delivery driver and geographic availability.
DashPass is provided by DoorDash Technologies Pty Ltd ABN 96 634 446 030. DoorDash is not part of the CommBank Group and CommBank is not responsible for the content, services or performance of DashPass. Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945. CommBank is solely responsible for the eligible CommBank credit card and its applicable terms and conditions, and DoorDash is not part of the CommBank Group and is not responsible for the content, services or performance of any CommBank product, including any eligible CommBank credit card. Each of DoorDash and CommBank is responsible only for the products and services it supplies.
3 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. 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.
4 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 Travel Booking Terms & 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.
5 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 to have 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 andCard 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.
6 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.
7 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).
† From 1 October 2026 to 30 September 2027, CommBank Yello customers could earn 20 CommBank Yello points per $1 spent on Hotel or Car bookings and 10 CommBank Yello points per $1 spent on Flight bookings through Travel Booking. These promotional earn rates apply instead of the standard earn rates during this period. We may vary or withdraw this offer, acting fairly and reasonably. See Travel Booking Terms and Conditions for other conditions.
◊ Offer starts 1 October 2026 and ends 30 June 2028. Your CommBank Yello points earn rate is based on your CommBank Yello tier at the time you redeem a venue offer at a participating venue via Dine In Deals. Points earned per $1 spent on the amount paid after any discount, promo code or dining credit has been redeemed. For example, if your bill is $100 and you receive a 25% discount, you will earn CommBank Yello points on the $75 paid at the point of sale (plus the applicable service fee). CommBank Yello earn rates are as follows:
Points will be paid within 31 days of your Dine In Deals transaction. Occasionally it may take longer.
CommBank may vary or withdraw the Dine In Deals offer acting fairly and reasonably; having regard to its legitimate business interests; and providing reasonable prior notice for unfavourable or material changes.
You should consider the potential tax implications of receiving CommBank Yello points under this offer. You can view the FAQs on our website by searching ‘CommBank Yello – Frequently Asked Questions’ for further information or seek independent advice from your accountant or tax adviser.
In order to redeem CommBank Yello points, you must use your digital Dine In Deals card via your mobile wallet. How you earn and redeem points is subject to the CommBank Yello Terms and Conditions available at our website by searching ‘CommBank Yello’.
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.
Offers are subject to reasonable personal use only. EatClub and CommBank reserve the right to revoke access to offers, reverse discounts, or cancel bookings where misuse and fraudulent activity is reasonably suspected.
For full terms and conditions governing the use of Dine In Deals, visit eatclub.com.au/terms/dineindeals.
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.
Ongoing eligibility conditions apply for CommBank Yello. Eligibility is typically assessed at the beginning of each calendar month based on your activity in the previous calendar month. The exact date we complete the assessment and update your eligibility may vary. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello
There may be tax implications associated with participating in CommBank Yello (such as earning Points, redeeming Rewards, receiving Benefits, or winning prizes). For some information on potential tax implications, please check out our FAQs available at commbank.com.au/commbank-yello/faqs or seek independent advice from your accountant or tax adviser.
To opt out of CommBank Yello and stop receiving Benefits, go to the CommBank Yello Hub in the CommBank app, or visit your local branch. You may continue to receive messages about CommBank Yello generally. Opting out doesn't opt you out of marketing communications or CommBank Yello for Business. Information is handled in accordance with our Group Privacy Statement, the CommBank Yello Program terms and conditions, and the CommBank Yello Privacy Collection Notice.
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 licence 234945
