CommBank Smart Awards Credit Card (with $2,000 per month spend)
$0 monthly fee
80,000 points
$3,000 min limit
1.00 points per dollar
Spend $6,000 in 150 days
Offer Details
Premium
Signup Bonus
80,000 points
Commbank
Minimum Spend
$6,000
within 5 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
No fees disclosed
Check with issuer for complete fee structure
Benefits
Travel Insurance
International travel insurance included when spending at least $500 on a single prepaid travel transaction using the card and activating before travel. Covers cardholder, spouse, and accompanied children for return trips from Australia. Activation required for each trip.
No International Transaction Fee
No international transaction fees on purchases or cash advances made overseas or online where the merchant or processor is overseas. Cash advance fees still apply for international cash advances.
No Additional Cardholder Fee
No additional cardholder fee to add supplementary cardholders to the account.
Interest Free Periods
Up to 44 days interest-free on purchases.
Lounge Access
Access to over 1,300 airport lounges worldwide for a fee via Mastercard Travel Pass provided by DragonPass. Cardholder must register on the Mastercard Travel Pass app or website and pay lounge visit fees per visit and for guests.
Rewards Program Elite Status
Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 on highest eligible purchase in a statement period, up to 1,000 Bonus Points or 400 Qantas Points. Earn up to 1.5 Awards points or 0.6 Qantas Points per $1 spent up to $5,000 in a statement period on eligible purchases. Points reduce after $5,000 spend. Unlimited points earned annually.
Points Transfer Benefits
Option to opt-in to earn Qantas Points for $90 per year. CommBank Awards points earned are automatically converted and transferred to Qantas Frequent Flyer account at a rate of 2.5 Awards points to 1 Qantas Point at the end of each statement period.
Shopping Benefits
Access to CommBank Yello Cashback Offers providing cashback on purchases with partnered brands via the CommBank app for eligible Mastercard cardholders.
Travel Credits
CommBank Yello Plus, Gold, and Diamond customers receive 5% to 10% back in travel credits on hotel or flight bookings made via Travel Booking provided by Hopper. Travel credits have a 2-year expiry and are applied to future bookings.
Digital Wallet Integration
Card can be added to digital wallets such as Apple Pay, Samsung Pay, and Google Pay for immediate use via digital card issuance in the CommBank app.
Digital Card Issuance
Instant digital card access available immediately after account establishment in the CommBank app, allowing spending before physical card arrival.
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$40 per day required
First Year Cost
Free
monthly fee
Earn Rate
Average
●●○○1.00x Commbank points per $1
Travel Benefits
Lounge Access
Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard Travel Pass provided by DragonPass with your Smart Awards credit card.
Did this help you make a decision?
$400 of profit after meeting spend requirements
+ $400 Coles gift cards
- $0
monthly fee
$250
x 1
$100
x 1
$50
x 1
in Coles gift cards, $400 total, with 2,250 points remaining.
No monthly fee
25,000 CommBank Awards points or 15,000 Qantas Points will be awarded every month (statement period) $1,500 or more is spent on eligible purchases for 4 consecutive statement periods. Bonus period is 150 days (not 120) because the first spend period combines the first two billing periods, giving extra time to meet the first spend criteria.
History
9 Feb 2026
1 changes
Bonus Period:
120150
26 Jun 2025
2 changes
Notes:
25,000 CommBank Awards points or 15,000 Qantas Points will be awarded every mont...25,000 CommBank Awards points or 15,000 Qantas Points will be awarded every mont...
Points Per Dollar:
1.501.00
4 Mar 2025
6 changes
Notes:
Earn 25,000 CommBank Awards points or each month when you spend $1,500 or more p...25,000 CommBank Awards points or 15,000 Qantas Points will be awarded every mont...
Lounge Pass:
Enjoy access to over 1,300 airport lounges worldwide for a fee with Mastercard T...
Interest Rate:
20.0020.99
Bonus:
75,00080,000
Spend For Bonus:
4,5006,000
Bonus Period:
90120
- Expiration changed from 29/02/24 to no expiration, Bonus from 80K to 75K, Spend For Bonus from $6K to $4.5K, Bonus Period from 120 to 90, Notes from Earn 20,000 CommBank Awards points each month when you spend $1,500 or more per month for the first four months. to Earn 25,000 CommBank Awards points or each month when you spend $1,500 or more per month for the first three months2 years ago
- Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)2 years ago
