CommBank Smart Awards Credit Card with Qantas Points Commbank
Ended — kept for reference
52,400 Qantas points, estimated value · 50,000 Qantas points · spend $6,000 in 120 days
I'd like to use my bonus for:
to in (0 points)
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52,400 Qantas points at 1.6¢ − $204 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
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?
$6,000 within 120 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 $318 each year ($19/month annualised + $90 program fee) — first year was $204.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Ongoing earn: 0.40x Qantas points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $318/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
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.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
50,000 points
Qantas
Minimum Spend
$6,000
within 120 days (about 4 months)
Ongoing Earn Rate
0.40x points per $1 spent
Fees
Monthly Fee
$19 per month
Equivalent to $228 annually
Program Fee
$90
Additional fee for reward program participation
Purchase Interest Rate
20.99% 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.
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.
Discussion
About these ended terms (published 26 Jun 2025) — not the current offer.
Community and personal tools
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