Help & support
18 to 29? Turn your daily commute on public transport into a monthly reward. Get 10% cashback (up to $50) a month throughout the offer period, when you spend $50 a month. All you need to do is open your first Everyday Smart Access account and tap on and off or load your transport card using your CommBank Debit Mastercard.*
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Everyday Smart Access account for everyone
A day-to-day bank account for living and working in Australia. With this account you can enjoy:
Everyday Smart Access account for students
A bank account for students to pay for everyday things with ease, so you focus on your studies. Additional benefits include:
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* Eligibility Conditions
To be eligible for the 10% cashback offer, you must open a new CommBank Everyday Smart Access Account online or in a branch between 15 September 2025 (12:01am, AEST) and 31 December (11:59pm AEST) (‘the offer period’) and spend at least $50 (AUD) in a calendar month on eligible public transport1 using your CommBank Debit Mastercard during the offer period.
This offer is for customers aged between 18 to 29 (inclusive) at the time of account opening and who have never held a CommBank Everyday Smart Access Account. Single accounts only. Excludes joint and Everyday Offset accounts.
If you opened your first CommBank Everyday Smart Access Account from 15 September 2025 to 31 December 2025 and meet the eligibility conditions and eligible spend criteria, you will be eligible for the 10% public transport cashback offer. This will be credited as per the below conditions.
How to Qualify
To qualify for the cashback, you need to spend at least $50 in a calendar month on eligible public transport using your CommBank Debit Mastercard (‘Eligible spend’) during the offer period.
Eligible spend includes using your CommBank Debit Mastercard to (i) make a payment with any eligible public transport merchant1 and/or (ii) top up a public transport card with any eligible public transport merchant.1 Spending on rideshares, taxis, fuel, private transfers, flights, or other non-public transport merchants are not eligible for this offer. Transactions and payments on eligible public transport must be settled by the end of the month (not pending) to be eligible.
The maximum cashback you can receive is $50 (AUD) per month. Each customer can receive only one cashback per month, and this promotion cannot be used in conjunction with other Smart Access account offers.
Getting Your Cashback
You will receive 10% cashback for each month you spend at least $50 in Eligible spend on public transport, up to a maximum of $50 per month. Cashback will be credited to your new Everyday Smart Access Account up to 45 days after the last day of the month in which you meet the Eligible spend conditions. Your Everyday Smart Access Account must remain open and active to receive the cashback payment. Cashback payment will appear as “CBATRANSPORTCASHBACK”.
This is general information only and does not consider your personal objectives, financial situation, or needs. Before acting on the information, please consider obtaining professional advice specific to your needs, including financial, taxation and legal advice.
CommBank reserves the right to change, end, or extend the offer at any time as permitted by law.
1 Eligible Public Transport Merchants
1. NSW – Transport NSW (Opal, Trainlink): Bus, Train, Metro, Ferry, Light Rail
2. VIC – Transport Victoria (myki): Bus, Train, Tram
3. QLD – Translink (go card): Bus, Train, Tram, Ferry
4. SA – Adelaide Metro (metroCARD): Bus, Train, Tram
5. WA –Transperth (SmartRider): Bus, Train, Ferry
6. TAS – Transport Tasmania (Greencard, Transportme): Bus, Ferry
7. ACT – Transport Canberra (MyWay): Bus, Light Rail
8. e-Bikes and e-Scooters: Lime, HelloRide, Beam, Neuron Mobility, Ario
1 After the initial 12 month period, a monthly fee applies unless you are eligible for a further waiver. Monthly account fee waived for accounts with at least $2,000 deposited each calendar month (excludes Bank initiated transactions). A monthly account fee waiver will also apply if you’re under 30 years of age. You may also be eligible for a different monthly account fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability or have an eligible home loan. Find out more about rates and fees.
2 A monthly account fee waiver will apply if you’re under 30 years of age, or if you deposit at least $2,000 each calendar month (excludes Bank-initiated transactions). You may also be eligible for a different Monthly Account Fee exemption if you have an aged, disability or war veterans’ pension deposited in your account, have a balance of $50,000 or more in eligible contributing accounts, are reliant on over the counter services because of a disability, or have an eligible home loan. Find out more about rates and fees.
3 Ongoing eligibility conditions apply for CommBank Yello. Offer eligibility conditions also apply and offers may vary between customers. For more information visit commbank.com.au/commbankyello.
4 Awarded ‘Bank of the Year – Digital Banking’ for 2025 (for the 16th year in a row) by Canstar in May 2025.
5 A fee up to $11 AUD may apply.
6 Full terms and conditions of the CommBank app are available on the app. The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. NetBank access with NetCode SMS is required.
The target market for this product will be found within the product’s Target Market Determination, available here.
The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please view our Financial Services Guide (PDF 68KB). Full terms and conditions for the transaction and savings accounts (PDF 660KB) mentioned and Electronic Banking are available here or from any branch of the Commonwealth Bank.
