CommBank
Smart Awards credit card
A credit card that allows you to earn unlimited awards points, extra bonus points, travel benefits and ability to pay no monthly fee for eligible customers.
Credit cardsBank updated 23 Sept 2026
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 21.99%
- Interest-free days
- 44
- Annual fee
- $0
- Rewards
- CommBank Awards Program
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | — | — | — | 21.99% | — | — |
| Purchase | — | — | — | 20.99% | — | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | This is charged for cash advances from Commbank branches or other Australian financial institutions, ATMs, overseas terminals or financial institutions, funds transfers using CommBank networks and pu… |
| Overlimit Fee | Event | $15 | — | When we first allow you to go over your credit limit in a statement period. Only applies to accounts opened before 1 July 2012 (including any time you switch to a new credit card product). |
| Late payment fee | Late payment | $20 | 1 days after due | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. |
| Additional cardholder fee | Periodic | No fee | Every 1 yr | Pay no additional cardholder fee to share the convenience of your card with someone else. |
| Monthly Fee | Periodic | $19 | Every 1 mo | Payable each month, giving you access to the features and benefits of your credit card. Pay no monthly fee if you spend at least $2,000 in your statement period. Monthly fee waiver if eligibility criteria is met. |
| Qantas Frequent Flyer Opt-in Fee | Periodic | $90 | Every 1 yr | There is a $90 annual fee charged for opting in. Once a customer has opted in to Qantas Frequent Flyer Direct, all CommBank Awards points earned after opting in will be automatically redeemed for Qan… |
| Emergency issue/ lost/ replacement card fee | Replacement | $20 | — | When you need an emergency replacement card delivered to you. |
| International transaction fee | Transaction | No fee | — | Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply. |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionInstalment plans44 interest-free days1 additional cardsApple PayCommBank Tap and PayGarmin PayGoogle PaySamsung PayCommBank Awards ProgramQantas Frequent Flyer ProgramSmart Awards Points Earn StructureExtended warranty insuranceInterstate Flight InconveniencePrice GuaranteePurchase security insuranceInternational travel insurance
- · Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.
- · Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted. A Mastercard allows you to pay for things using your card, smartphone or wearable. You may…
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: NZ
- · Available to individuals
- · Amount $3,000 to no maximum
- · Applications for credit cards are subject to credit approval.
- · Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
§ 06 — Run the numbers
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Published by CommBank under the Consumer Data Right, last changed by them on 23 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.