CommBank Smart Awards Credit Card (with $2,000 per month spend)
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,500 within 90 days — about $1,500 per month.
Can I get the card?
The minimum credit limit is $3,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
Should I keep it after the first year?
Keeping the card costs $0 each year — the first year was $0.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 1.00x Commbank points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $0/yr to you.
$200 in Coles gift cards (41,300 of 44,500 Commbank points; 3,200 left over) − $0 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer has ended. I keep this page so you can check the old terms.
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.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
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. $100 Travel Credit must be redeemed via Travel Booking (provided by Hopper), accessible inside the CommBank app.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
40,000 points
Commbank
Minimum Spend
$4,500
within 90 days (about 3 months)
Cash Bonus
Ongoing Earn Rate
1.00x points per $1 spent
Fees
Purchase Interest Rate
20.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
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 (6 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
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 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 months3 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 (published 19 May 2026) — not the current offer.
Community and personal tools
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