Help & support
CommBank offers the largest rewards program of any bank in Australia.10
Dreaming of your next holiday? Opt-in to earn Qantas Points for $60 per year4 (this will increase to $90 per year effective 3 February 2025).
Not a Qantas Frequent Flyer yet? Join free and save $99.50
Earn points across a range of day-to-day expenses so you can start building your CommBank Awards points balance and redeem your points sooner.
CommBank is rewarding you when you shop, which is why we’ve partnered with big brands to give you cashback when you activate and redeem your CommBank Yello Cashback Offers.
We'll send you shopping offers based on where you've shopped before, and similar places we think you'll like.
Available to eligible5 Mastercard® cardholders in the CommBank app.
Other fees may apply so check our standard fees and charges and read the key facts about our credit cards.
Bonus Awards Points or Qantas Points offers are only available to new Awards customers. By switching to Smart Awards you are not eligible.
As a CommBank customer, you can benefit from exclusive offers via our partnerships. You could save on your energy bills by joining Amber or mobile plans and internet for your home by switching to More.
^ Offer commenced 23 July 2024 and is only available to customers in CommBank Yello Everyday, Everyday Plus or Homeowner benefit sets when they apply for a new Smart Awards credit card. Offer not available to customers who currently hold, or have held, any activated Awards card types in the 12 months prior as a primary cardholder or customers who switch from other card types.
To be eligible for the CommBank Yello offer, you must meet the minimum eligibility criteria as set out in the CommBank Yello Terms and Conditions available at commbank.com.au/commbankyellotcs and not have opted out of the program when applying. Eligibility for CommBank Yello is typically assessed in the first week of each month. For more information about CommBank Yello and how to check your eligibility status, please visit commbank.com.au/commbankyello.
The monthly spend criteria is based on four successive 30-day periods and the monthly CommBank Awards points or the monthly Qantas Points will be awarded when you spend $1,500 or more in a month for the first four months. Maximum bonus points available is 90,000 CommBank Awards points or 50,000 Qantas Points. 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. Cash advances or refunds are not included as eligible transactions.
To be awarded the bonus Qantas Points, you must have been opted-in to Qantas Points at the time of your CommBank credit card application or via the CommBank Awards website prior to the end of the final month of the offer campaign period. 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. If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to the end of the final month of the offer campaign period, you will only receive CommBank Awards points.
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.
Total eligible bonus points will be credited within 90 days of the end of the final month of the offer campaign period and will appear on your statement as ‘BONUS AWARDS’. The total bonus awards owed will be based on the number of months where the monthly spend criteria has been met. You will be ineligible for the bonus CommBank Awards or Qantas Points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.
Offer only available on one credit card per customer. We reserve the right to close or vary this offer at any time.
1 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.
a) How CommBank Awards points and Qantas Points work:
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.
b) 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 & 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 $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 or 0.8 Qantas Points per $1 spent on your highest eligible transaction made in a statement period up to a 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.
2 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, join for free. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.
3 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).
4 This is a non-refundable additional fee charged to your card when you opt-in to earn Qantas Points and each subsequent year on the anniversary of your opt-in. This is charged once per year on top of your regular credit card fees. Fee applies to each account opted-in to Qantas Points.
5 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.
6 For international cash advances, the cash advance fee will apply.
7 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 when you spend at least $500 on a single prepaid travel transaction using your eligible credit card account. You will need to activate your travel insurance for each trip in order to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption. To activate your cover, register on NetBank, the CommBank app or call Cover-More on 1300 467 951 before you travel. Terms, conditions, restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), benefit 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.
8 To gain access to participating airport lounges, you must register your Smart Awards 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 Awards 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.
9 Additional cardholders cannot opt-in for Qantas Points. Your Qantas Frequent Flyer membership must be in the name of the primary cardholder.
10 Source: DBM Consultants, customers 18+ with a rewards/loyalty card in the 12 months to March 2023.
11 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.
12 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. Redemption of Awards points using your credit card via Apple Pay is unavailable in-store at Flight Centre stores Australia-wide and for Flight Centre online via the Awards website. Customers must present their Awards credit card to pay with points at Flight Centre.
13 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Smart 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.
14 A maximum charge of $300 or a flat fee of $4.00 applies if your closing balance on previous business day was in credit.
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.
15 Redemption of awards points to pay for flight or hotel bookings is available via the Travel Booking Website. 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 found at travelbooking.hopper.com/terms. CBA does not guarantee the obligations or performance of Hopper or the services it offers. Travel Booking is only accessible to active CommBank retail or business credit and debit card, StepPay card or Travel Money Card customers over the age of 18. Customers must pay all or part of their travel booking using their eligible CommBank credit or debit card, StepPay, Travel Money card, CommBank Awards points or Travel Credits. Eligible cards comprise of active CommBank retail or business credit and debit cards, StepPay or Travel Money cards
CommBank will receive a portion of the revenue generated from the Travel Booking platform
For full terms and conditions on the features provided by Hopper, visit travelbooking.hopper.com/terms
The redemption of Awards points for travel is subject to the CommBank Awards program terms and conditions as well as Travel Booking terms and conditions found here.
Commonwealth Bank of Australia ABN 48 123 123 124, Australian credit licence 234945.
