CommBank Smart Credit Card

credit card

Smart Credit Card is a credit card from CommBank, as the bank publishes it in its product data. Its purchase rate is 20.99% and its card fee $228 a year ($19 a month). It ranks 16th of 24 issuers for a personal card with a rewards programme, by annual fee.

What the feed states

Purchase rate

20.99%

Cash advance rate

21.99%

Interest-free days

up to 44

Card fee

$228 a year ($19 a month) (Monthly Fee)

Fee offer

Monthly fee waiver if eligibility criteria is met. From your first statement issued on or after 1 January 2027, the monthly fee waiver based on spend will be removed and the $19 monthly fee will apply.

Foreign transaction fee

3.5% of the transaction

Cash advance fee

3%

Late payment fee

$20

Additional cardholder fee

none

Rewards programme

CommBank Yello Program

Sign-up offer

60000 Earn up to 60,000 CommBank Yello points: Earn 30,000 CommBank Yello points when you spend $4,500 or more on eligible spend with your new Smart credit card within 90 days of activating your card, and become CommBank Yello eligible within that 90-day period and remain eligible until the points…

Complimentary insurance

Cracked Screen Cover; International travel insurance

Digital wallets

Apple Pay, Garmin Pay, Google Pay, Samsung Pay

Instalment plans

offered

Additional cardholders

up to 1

Credit limit

from $2,000

Minimum age

18

Scheme

Mastercard

Conditions and offers

• from 1 February 2027 the purchase rate rises to 23.49% and the cash advance rate to 23.99%
• from 1 February 2027 the cash advance fee becomes $4 or 3.5% (whichever is greater) with no $300 cap
• bonus points not for anyone holding, or who held in the last 24 months, an Awards, Smart or Ultimate card, nor for switches

Who can apply, in the bank's words

• Each application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
• Applications for credit cards are subject to credit approval.

About this card

Enjoy new lifestyle and travel benefits with the Smart credit card, designed to help you get more value. Plus, enjoy a new points experience if you're eligible for CommBank Yello.

Data

• CommBank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-12.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/commbank.json: this issuer's cards as JSON; CommBank's page lists them.
• The bank last updated this record on 2026-11-12; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at CommBank

• Business Platinum Credit Card credit card, 20.74%, $300 a year
• Interest-Free Days Credit Card credit card, 17.57%, $60 a year
• Interest-free Low Fee Credit Card credit card, 0.00%, $120 a year
• Low Fee Credit Card credit card, 20.99%, $36 a year
• Low Rate Credit Card credit card, 14.55%
• Low Rate Credit Card (2) credit card, 13.99%, $72 a year
• Neo Card credit card, 0.00%, $180 a year
• Qantas Business Rewards Credit Card credit card, 19.99%
• Ultimate Credit Card credit card, 20.99%, $420 a year
• Corporate Charge Card charge card, 17.99%
• Corporate Interest Free Days Card corporate card programme, 17.57%
• Corporate Low Rate Card corporate card programme, 14.55%
• Procurement Management Account corporate card programme, 17.99%, $120 a year
• Virtual Cards corporate card programme