CommBank Smart Awards Credit Card with Qantas Points
Ended — kept for reference
$150 in Woolworths gift cards · 30,000 Qantas points · spend $4,500 in 90 days
I'd like to use my bonus for:
$150 in Woolworths gift cards (31,120 of 32,700 Qantas points; 1,580 left over) − $95 card fee − $60 program fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
These terms ended and are kept for reference.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$4,500 within 90 days — about $1,500 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$3,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
Should I keep it after the first year?
Renewal costs $288 each year ($19/month annualised + $60 program fee) — first year was $155.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Ongoing earn: 0.60x Qantas points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $288/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
10,000 Qantas Points each month when you spend $1,500 or more per month for the first three months.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
30,000 points
Qantas
Minimum Spend
$4,500
within 90 days (about 3 months)
Ongoing Earn Rate
0.60x points per $1 spent
Fees
Monthly Fee
$19 per month
Equivalent to $228 annually
Program Fee
$60
Additional fee for reward program participation
Purchase Interest Rate
20.00% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (9 changes)
- Travel InsuranceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Travel CreditsUpdated May 2026
- Shopping BenefitsUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Lounge AccessUpdated May 2026
Now Mastercard Travel Pass, DragonPass.
- Interest Free PeriodsUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- No International Transaction FeeUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 29/02/24 to no expiration, Bonus from 40K to 30K, Spend For Bonus from $6K to $4.5K, Bonus Period from 120 to 90, Notes from Earn 10,000 Qantas Points each month when you spend $1,500 or more per month for the first four months. to 10,000 Qantas Points each month when you spend $1,500 or more per month for the first three months.3 years ago
- Spend changed from $4000 in 90 days to $1500 every month for 4 months ($6000 total)3 years ago
Discussion
About these ended terms — not the current offer.
Community and personal tools
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