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Summary

Summary

Horizontal front view of a CommBank Neo card with visible CommBank and Mastercard logos

Summary

Horizontal front view of a Low Rate card with visible CommBank and Mastercard logos

Summary

Horizontal front view of a Low Fee card with visible CommBank and Mastercard logos

Summary

Horizontal front view of an Awards card with visible CommBank and Mastercard logos

Summary

Horizontal front view of a Smart Awards credit card with visible CommBank and Visa logos

Summary

Horizontal front view of a Ultimate Awards credit card with visible CommBank and Visa logos

What you’ll get

  • No interest or late payment fees
  • Simple monthly fee of $15, $20, $25, depending on your limit
  • No monthly fee if you don’t use your card and pay the total balance owing in full6
  • No foreign exchange fees

Trade-offs

  • You won’t earn Awards points3
  • Higher monthly fee compared to our Low Rate and Low Fee credit cards
  • Cash advances are blocked (exceptions apply)8
  • No complimentary insurances
  • Not eligible for SurePay plans

What you’ll get

  • A low ongoing interest rate on purchases of 13.99% p.a.
  • Monthly fee: $6
  • Up to 55 days interest free on purchases

Trade-offs

  • You won’t earn Awards points3
  • Higher monthly fee compared to our Low Fee credit card
  • Higher interest rate on purchases compared to our CommBank Neo credit card
  • International transaction fees apply

What you’ll get

  • No monthly fee if you spend at least $300 in your statement period2. Otherwise the monthly fee is $3
  • Interest rate on purchases: 20.99% p.a. 
  • Up to 55 days interest free on purchases

Trade-offs

  • You won’t earn Awards points3
  • Higher interest rate on purchases compared to our Low Rate credit card. May not be suitable if you only make minimum repayments over a prolonged period of time
  • International transaction fees apply

What you’ll get

  • Earn 1 Awards point per $1 spent on eligible purchases, up to and including $2,000 in a statement period3
  • Interest rate on purchases: 20.99% p.a.
  • Monthly fee: $8
  • Up to 55 days interest free on purchases

Trade-offs

  • Higher interest rate on purchases compared to our Low Rate credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • Higher monthly fee compared to our Low Fee and Low Rate credit cards
  • International transaction fees apply
  • Lower points earning potential than our Smart Awards and Ultimate Awards credit cards
  • After spending $2,000 in a given statement period, the Awards point earn rate is 0.5 Awards points per $1 spent for the remainder of your statement period3
  • You will not be able to opt-in to earn Qantas Points 

What you’ll get

  • Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent on eligible purchases, up to and including $5,000 in a statement period3
  • Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Bonus Points3
  • Interest rate on purchases: 20.99% p.a.
  • No monthly fee if you spend at least $2,000 in your statement period4. Otherwise the monthly fee is $19
  • 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)1
  • Up to 55 days interest free on purchases
  • Access to airport lounge benefits for a fee with Mastercard Travel Pass provided by DragonPass with your Smart Awards card12

Trade-offs

  • Higher monthly fee compared to some of our other credit cards, if you don’t spend at least $2,000 in a statement period
  • Higher interest rate on purchases compared to our Low Rate credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • Lower points earning potential than our Ultimate Awards card
  • After spending $5,000 in a given statement period, the Awards point earn rate is 0.5 Awards points or 0.2 Qantas Points per $1 spent for the remainder of your statement period3
  • Not eligible for Wealth Package benefits

What you’ll get

  • Earn up to 3 Awards points or 1.2 Qantas Points per $1 spent on eligible purchases, up to and including $10,000 in a statement period3
  • Interest rate on purchases: 20.99% p.a.
  • No monthly fee if you spend at least $4,000 in your statement period5. Otherwise the monthly fee is $35
  • 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)1
  • Up to 55 days interest free on purchases
  • Access airport lounge benefits with Mastercard Travel Pass provided by DragonPass. Enjoy two complimentary airport lounge passes each calendar year to over 1,300 airport lounges worldwide and up- to- date travel information12

Trade-offs

  • Higher monthly fee compared to some of our other credit cards, if you don’t spend at least $4,000 in your statement period
  • Higher interest rate on purchases compared to our Low Rate credit cards. May not be suitable if you only make minimum repayments over a prolonged period of time
  • After spending $10,000 in a given statement period, the Awards point earn rate is 0.5 Awards points or 0.2 Qantas Points per $1 spent for the remainder of your statement period

Limited time offer:

Enjoy the flexibility of 0% p.a. on purchases for 6 months + up to $300 cashback.

Earn $100 each month when you spend $500 or more per month for the first three months. Apply by 29 February 2024. Terms and conditions apply.^

Limited time offer:

Up to $200 cashback.

Earn $50 each month when you spend $500 or more per month for the first four months. Apply by 29 February 2024. Terms and conditions apply.*

Limited time offer:

Enjoy up to 80,000 CommBank Awards points or up to 40,000 Qantas Points

Earn 20,000 CommBank Awards points or 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.#

Insurance1

Insurance1

Insurance1

Insurance1

Insurance1

Insurance1

Insurance1

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

International travel insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Purchase security insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Extended warranty insurance

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Interstate Flight Inconvenience

Transit Accident Insurance

Transit Accident Insurance

Transit Accident Insurance

Transit Accident Insurance

Transit Accident Insurance

Transit Accident Insurance

Transit Accident Insurance

Price Guarantee

Price Guarantee

Price Guarantee

Price Guarantee

Price Guarantee

Price Guarantee

Price Guarantee

Rates7

Rates7

Rates7

Rates7

Rates7

Rates7

Rates7

Purchase interest rate

Purchase interest rate

0% p.a.

Purchase interest rate

13.99% p.a.

Purchase interest rate

20.99% p.a.

Purchase interest rate

20.99% p.a.

Purchase interest rate

20.99% p.a.

Purchase interest rate

20.99% p.a.

Interest free period on purchases

Interest free period on purchases

N/A

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Interest free period on purchases

up to 55 days

Cash advance rate

Cash advance rate

Cash advances are blocked. Exceptions apply8

Cash advance rate

21.99% p.a.

Cash advance rate

21.99% p.a.

Cash advance rate

21.99% p.a.

Cash advance rate

21.99% p.a.

Cash advance rate

21.99% p.a.

Minimum credit limit

Minimum credit limit

Available limits: $1,000, $2,000 or $3,000

Minimum credit limit

$500

Minimum credit limit

$500

Minimum credit limit

$500

Minimum credit limit

$3,000

Minimum credit limit

$6,000

Maximum credit limit

Maximum credit limit

Available limits: $1,000, $2,000 or $3,000

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Maximum credit limit

Fees7

Fees7

Fees7

Fees7

Fees7

Fees7

Fees7

Monthly fee

Monthly fee

  • $15 monthly fee for a $1,000 limit
  • $20 monthly fee for a $2,000 limit
  • $25 monthly fee for a $3,000 limit
  • Pay $0 if you don’t use your card and pay your total balance owing in full6

Monthly fee

$6 per month

Monthly fee

$3 or $0 per month2

Monthly fee

$8 per month

Monthly fee

$19 or $0 per month4

Monthly fee

$35 or $0 per month5

Minimum monthly payment

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Minimum monthly payment

If you owe less than $25, your minimum payment is the amount you owe. Otherwise, your minimum payment is the greater of:

  • Any amount you owe that exceeds your credit limit (excluding any amount by which your credit limit was exceeded in a previous statement period, and which remains unpaid);
  • 2% of your closing balance rounded down to the nearest dollar; or
  • $25.

Late payment fee

Late payment fee

$0

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Late payment fee

$20

Additional cardholder fee

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

Additional cardholder fee

Free

International transaction fees

International transaction fees

No9

International transaction fees

Yes

International transaction fees

Yes

International transaction fees

Yes

International transaction fees

No9

International transaction fees

No9

Awards3

Awards3

Awards3

Awards3

Awards3

Awards3

Awards3

Awards points

Awards points

Awards points

Awards points

Awards points

Up to 1 per dollar spent3

Awards points

Up to 1.5 per dollar spent3

Awards points

Up to 3 per dollar spent3

Points capping

Points capping

Points capping

Points capping

Points capping

Unlimited points

Points capping

Unlimited points

Points capping

Unlimited points

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Wide range of rewards

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Redeem points instantly at Myer and Flight Centre10

Security

Security

Security

Security

Security

Security

Security

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Lock, block, limit®

Protection from unauthorised transactions

Protection from unauthorised transactions

Protection from unauthorised transactions

Protection from unauthorised transactions

Protection from unauthorised transactions

Protection from unauthorised transactions

Protection from unauthorised transactions

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Secure internet shopping

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Emergency support

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Additional Features

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Contactless payments

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Worldwide acceptance

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Mastercard Travel Rewards11

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

Access to airport lounge benefits with Mastercard Travel Pass provided by DragonPass12

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

CommBank Yello Cashback Offers13

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

Eligible for a SurePay instalment plan16

or

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Save time using your
Netbank details

 

Apply in Netbank

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Things you should know

CommBank Credit Card Conditions of Use

Commonwealth Awards Program Terms and Conditions

Standard fees and charges for credit card services

1 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.

2 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 How you earn or redeem CommBank Awards points will be subject to the CommBank Awards 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 card). Awards and the number of points required for Awards are subject to change at any time without notice. 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.

How Awards points work:

Earn up to 1 Awards point for every $1 spent on eligible purchases, up to and including $2,000 in a statement period. Once you have spent $2,000 in any given statement period, you will earn 0.5 Awards points for every $1 you spend on any other purchases within that period.

You will not be able to opt-in to earn Qantas Points.

How Smart Awards points work:

Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and 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 Awards point or 0.4 Qantas Points for every $1 spent on all other purchases.

Once you have spent $5,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period.

Points Boost

Earn up to 2 Bonus Points per $1 spent on your highest eligible transaction (not exceeding $500) made in a statement period up to 1,000 Bonus 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.

How Ultimate Awards points work:

Earn up to 3 Awards points or 1.2 Qantas Points per $1 spent on international transactions. International transactions include any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas.

Earn up to 2 Awards points or 0.8 Qantas Points per $1 spent at major Australian supermarkets, department stores, petrol stations, dining (cafes, restaurants, fast food & delivery services) and utilities (electricity, gas and 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 Awards point or 0.4 Qantas Points per $1 spent on all other purchases.

Once you have spent $10,000 in any given statement period, you will earn 0.5 Awards points or 0.2 Qantas Points per $1 spent on any other purchases within that period.

4 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).

5 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).

6 If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee for that statement period.

7 Interest rates and fees apply and are subject to change. Please see Standard fees and charges for credit card services for more details. Applications for finance are subject to the Bank's normal credit approval. Full conditions of use will be included in our Letter of Offer.

8 We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will attract interest from the date the transaction is made until it’s repaid. For CommBank Neo, these will not incur any additional fees or interest charges.

Pay no international transaction fees on purchases or cash advances you make overseas or in Australia (for example online) where the merchant or financial institution or entity processing the transaction is located overseas. For international cash advances, the cash advance fee will apply (excluding CommBank Neo cards which does not offer cash advances).

10 Pay with CommBank Awards points available online at myer.com.au or at any Myer retail store in Australia when presenting a valid CommBank Awards credit card. Ask a Myer team member in-store to check the redeemable value of your points. Some exclusions apply, including using points to pay Myer card accounts, lay-by, purchases at some food and service outlets; and Miele appliances. More information is available at myer.com.au. Points cannot be redeemed for cash. A minimum redemption value of $1 applies per transaction. A maximum of 1 million points redemption per day applies. Refer to the CommBank Awards website, accessible through NetBank, for full terms and conditions. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Myer stores Australia-wide. Customers must use their Awards credit card to pay with points at Myer.

All travel products and offers from Flight Centre Travel Group are subject to availability and can only be booked by the general public. The redemption of Awards points for travel at Flight Centre Travel Group is subject to terms and conditions of the CommBank Awards program available at commbank.com.au as well as booking agency online and retail booking terms and conditions. Flight Centre Travel Group (ABN 25 003 377 188) trading as Flight Centre and Travel Associates. ATAS Accreditation No. A10412

11 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart Awards and 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 To gain access to participating airport lounges, you must register your Smart Awards and Ultimate Awards 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 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 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.

13 The CommBank Yello Cashback Offers program (‘CommBank Yello Cashback Offers’) rewards you with cashback after you activate (where required) an offer presented to you via the CommBank app and you make a purchase in accordance with the Terms and Conditions of that offer. Cashback is typically received within 14 business days of a qualifying purchase, but in some cases may take longer. If you are not already enrolled, you can enrol if you are at least 18 years old, hold an eligible CommBank credit Mastercard or debit Mastercard, Business credit Mastercard or StepPay digital card, and meet the ‘Base eligibility criteria’ in the ‘CommBank Yello Terms and Conditions’ (latest version available on our website at commbank.com.au) (‘CommBank Yello’). Your participation in CommBank Yello Cashback Offers is governed by the full Terms and Conditions available in the CommBank app.

14 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.

16 For more information on SurePay instalment plans, please refer to the CommBank Credit Card Conditions of Use (section 5).

^ 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.

* 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.

# 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 available at commbank.com.au/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms 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.

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.

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