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Commonwealth Bank Smart Awards Credit Card
Highlights
- Earn up to 80,000 CommBank Awards points or up to 50,000 Qantas Points. Receive 20,000 CommBank Awards points or 12,500 Qantas Points each month when you spend $1,500 or more per month for the first 4 months using your new Smart Awards credit card. Terms and Conditions apply.
- Earn up to 1.5 Award Points per $1 on purchases at major supermarkets, department stores, petrol stations, dining, and utilities, up to $5,000 per statement period. After that, earn 1 point per $1 on all other purchases and 0.5 points per $1 once total spending exceeds $5,000 in a statement period.
- Points Boost allows you to earn up to 2 Awards Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Awards Points or 400 Qantas Points.
- No international transaction fees for purchases you make overseas or online.
- Comes with Complimentary International Travel Insurance. T&Cs apply.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$3,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 44 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$4.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$228.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
CommBank Awards or Qantas Frequent Flyer
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
Yes
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
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