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The information on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the information 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

^¹ 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 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 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. 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.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions. Offer only available on one credit card per customer. We reserve the right to close the offer prior to 29 February 2024.

How Smart Awards points work:

Earn up to 1.5 CommBank Awards points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas & water only). 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.

Earn up to 1 CommBank Awards point per $1 spent on all other purchases. Once you have spent $5,000 in any given statement period, you will earn 0.5 CommBank Awards points per $1 spent on any other purchases within that period.

Points Boost

Earn up to 2 Bonus CommBank Awards points per $1 spent on your highest eligible transaction made in a statement period up to a 1,000 Bonus CommBank Awards 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.

^{^} 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).

^* For international cash advances, the cash advance fee will apply.

^~ 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. 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. 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 here.

# The quoted redemption fares are correct as at 29 August 2023 and are subject to change. Fares are subject to availability. Points values are based on international return Economy Reward Seat fares with Virgin Australia and must be booked on the Virgin Australia website and selecting “Use Points”. Taxes, fees and carrier charges are payable in addition to Velocity Points redeemed. Price may vary until ticketed. Reward Seats and associated charges are not eligible for Points earn. Seats are limited and may not be available at peak times or on all flights. Payment surcharge may apply. You can change or get a refund for your booking by paying a fee and any fare difference, at least 24 hours before scheduled departure. You may also request a refund for other reasons, including under the Australian Consumer Law. View the Velocity Reward Seat fare rules for more information. Some flights may be operated by a partner airline. Different baggage allowances and conditions may apply to these flights. Full terms and conditions at Velocity Frequent Flyer.

Velocity membership and Velocity Points earn and redemption is the cardholder's responsibility and is subject to the Velocity membership Terms and Conditions as amended from time to time, available at velocityfrequentflyer.com. The transfer of CommBank Awards points to Velocity Points is administered solely by CommBank Awards and may take up to 5 business days to transfer into the cardholder's Velocity membership account. When transferring CommBank Awards points to Velocity Points, CommBank Awards members must transfer in increments of 2 CommBank Awards points in order to transfer to whole Velocity Points. CommBank Awards points can only be transferred to Velocity Points into a Velocity account in the same name as the primary cardholder of the CommBank Awards account. Once CommBank Awards points have been redeemed for Velocity Points, they are governed by the Velocity membership Terms and Conditions and cannot be reversed.

² Offer available on new Low Rate 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 Low Rate or Low Fee card types in the 12 months prior as a primary cardholder.

0% p.a. interest rate on purchases for 6 months will be applied from the date of card approval and excludes cash advances and any purchase that is reversed or refunded.

The monthly spend criteria is based on three successive 30 day periods and $100 cashback will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first three months. Maximum cashback available is $300. Your first 30 day period commences from the day your account is opened which you can find on your first statement. 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.

Cashback will be credited within 90 days of you meeting the spend criteria each month and will appear on your statement as ‘CASHBACK $100’. Cashback only available on one credit card per customer. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account.

We reserve the right to close the offer prior to 29 February 2024.

** For Low Fee credit cards, there is no monthly fee when you spend at least $300 on your Low Fee credit card in your statement period to qualify for no monthly fee for that month. Otherwise the monthly fee is $3. Spend includes all purchases and cash advances made using your Low Fee credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions).

³ Offer available on new Low Fee 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 Low Fee or Low Rate card types in the 12 months prior as a primary cardholder.

The monthly spend criteria is based on four successive 30 day periods and $50 cashback will be awarded when you spend $500 or more, minus any cash advances or refunds, in a month for the first four months. Maximum cashback available is $200. Your first 30 day period commences from the day your account is opened which you can find on your first statement. 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.

Cashback will be credited within 90 days of you meeting the spend criteria each month and will appear on your statement as ‘CASHBACK $50’. Cashback only available on one credit card per customer. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account.

We reserve the right to close the offer prior to 29 February 2024.