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CommBank Smart Awards Credit Card

The CommBank Smart Awards Credit Card offers 100,000 bonus CommBank Awards Points. Ongoing benefits include CommBank Awards Points earned on eligible purchases, complimentary travel insurance, and no international transaction fees.


Updated 14 April 2025


Fact checked and verified. Updated 14 April 2025
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Expert Review

The CommBank Smart Awards credit card is one of CommBank's premium low fee products. Featuring a competitive points earn rate which is CommBank's highest and uncapped, the card provides premium features such as insurances. Further, the product has a $19 monthly fee, including up to 44 interest free days. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no foreign transaction fees, which are commonly around 3 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas, Overseas Travel and Medical Insurance which is similar to equivalent products, no additional cardholder fees and an ongoing spend based annual fee waiver, when the customer spends $2,000 per month.

Bonus Points.
For a limited time the CommBank Smart Awards credit card has a bonus CommBank Awards Points offer, where you could receive 100,000 bonus CommBank Awards Points in the first year. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
A credit card that allows you to earn unlimited awards points, extra bonus points, travel benefits and ability to pay no monthly fee."
- CommBank
Rewards

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Earn CommBank Awards Points

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1point per $1 spent up to $5,000, then 0.5 per statement

Fees
Account Fees

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$19 monthly account fee, waived when you spend $2,000 in the month

Additional Cardholder Fees

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No additional cardholder fee

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Up to 1 additional cardholder

Transaction Fees

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No international transaction fee

Other fees may apply.

Rates

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20.99% p.a. variable purchase rate

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21.99% p.a. variable cash advance rate

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Up to 44 interest free days on purchases

Features
Insurance

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Extended warranty insurance

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Interstate Flight Inconvenience

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Price Guarantee

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Purchase security insurance

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Transit Accident Insurance

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International travel insurance

Offers
Bonus Awards Points Offer

100,000bonus points

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the CommBank website.

Alternative Credit Cards
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^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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