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Mastercard2/4 on file
✓ Annual fee checked
Commonwealth Bank of Australia (CommBank) · Mastercard

Smart Awards Credit Card

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The Smart Awards Credit Card is a Mastercard from Commonwealth Bank of Australia (CommBank) with a fee of A$19 a month (A$228 a year), which Commonwealth Bank of Australia (CommBank) waives in any month you meet its condition. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), foreign transaction fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with Commonwealth Bank of Australia (CommBank): fee waiver condition. Commonwealth Bank of Australia (CommBank)’s own page is authoritative — confirm anything you rely on there before you apply.

Annual feeA$19/monthA$228/yr · can be waivedChecked commbank.com.au
Apply on Commonwealth Bank of Australia (CommBank)Compare this card
Opens Commonwealth Bank of Australia (CommBank)’s site
Ledger entry

The receipt

Every cost line we hold for the Smart Awards Credit Card, exactly as recorded.

Annual fee
A$19/month (A$228/yr · can be waived)Checked commbank.com.au
Fee waiver
Pay no monthly fee if you spend at least $2,000 in your statement period.Not yet checked with Commonwealth Bank of Australia (CommBank)
Supplementary card
Not confirmed
Foreign transaction
3.5%Checked commbank.com.au
Purchase APR
20.990000000000002%–20.99%Checked commbank.com.au
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Smart Awards Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Commonwealth Bank of Australia (CommBank)’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Smart Awards Credit Card. Rather than print a multiplier we cannot source, this stays blank until Commonwealth Bank of Australia (CommBank)’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • International travel insurance
  • Airport lounge access via Mastercard Travel Pass
  • CommBank Yello Cashback Offers
  • Mastercard Travel Rewards cashback
  • Points Boost on highest transaction each statement period
  • SurePay instalment plans
  • Redeem points for Myer purchases
  • Redeem points for flight or hotel bookings via Travel Booking
Next step

Ready to apply for the Smart Awards Credit Card?

You'll finish the application on Commonwealth Bank of Australia (CommBank)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Commonwealth Bank of Australia (CommBank)’s site
Questions

Questions about the Smart Awards Credit Card

How much is the Smart Awards Credit Card annual fee?

The Smart Awards Credit Card has an annual fee of A$228, which Commonwealth Bank of Australia (CommBank) waives on this condition: “Pay no monthly fee if you spend at least $2,000 in your statement period”. Weigh that against the rewards and perks you will actually use.

What does the Smart Awards Credit Card earn?

We could not verify the Smart Awards Credit Card's earn rates, so we do not print a multiplier. Check them on Commonwealth Bank of Australia (CommBank)'s own site.

What network is the Smart Awards Credit Card on?

The Smart Awards Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Smart Awards Credit Card available in Australia?

Yes — the Smart Awards Credit Card is issued by Commonwealth Bank of Australia (CommBank) and is available to eligible applicants in Australia. Approval depends on the issuer's own credit and income criteria.

When were the Smart Awards Credit Card figures last checked?

We checked its annual fee in September 2026, its foreign transaction fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with Commonwealth Bank of Australia (CommBank): fee waiver condition. We could not verify, so we do not print: earn rates and welcome offer. Check them with Commonwealth Bank of Australia (CommBank). Terms can change without notice, so confirm the current details with Commonwealth Bank of Australia (CommBank) before you apply.