CommBank Smart Awards Credit Card Commbank Yello Offer
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 $228 each year ($19/month annualised) — the first year was $95.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 1.50x Commbank points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $228/yr to you.
$450 in Coles gift cards (93,450 of 96,750 Commbank points; 3,300 left over) − $95 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?
Only available to customers who are in a CommBank Yello tier when applying for the credit card. Earn 30,000 CommBank Awards points when you spend $1,500 or more per month for the first three months.
Terms and evidence
Full current terms
Offer terms
Signup Bonus
90,000 points
Commbank
Minimum Spend
$4,500
within 90 days (about 3 months)
Ongoing Earn Rate
1.50x points per $1 spent
Fees
Monthly Fee
$19 per month
Equivalent to $228 annually
Purchase Interest Rate
20.00% 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 (4 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 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.
- Points Per Dollar changed from 0.5 to 1.52 years ago
- Offer added. Requires Commbank Yello https://www.commbank.com.au/commbank-yello.html3 years ago
Discussion
About these ended terms — not the current offer.
Community and personal tools
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