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The CommBank Smart Awards credit card earns 1.25 points per dollar with $0 annual fee in the first year. It is CommBank’s mid-tier rewards card — good earn rate without the premium price tag.
CommBank Credit Cards at a Glance
Flexible RewardsCommBank Ultimate Awards
1.5 pts/$1, transfer to Qantas or Velocity. $180/yr.
Mid-Tier RewardsCommBank Smart Awards
1.25 pts/$1, $0 first year. Good earn without premium fee.
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Why the CommBank Smart Awards credit card Stands Out
✓ What makes it worth it:
- 1.25 pts/$1 on eligible purchases
- $0 first year ($99/yr ongoing)
- Transfer to Qantas or Velocity
- Up to 55 interest-free days
- Lower income requirement than Ultimate
✗ What to consider:
- $99/yr after first year
- Lower earn rate than Ultimate Awards
- No complimentary insurance
- No lounge access
- 3% foreign transaction fee
Verdict: Who Should Get This Card?
The CommBank Smart Awards is a good middle ground — better earn rate than basic cards, lower fee than premium ones. Use the first year free to test whether you earn enough points to justify the $99/yr ongoing. Compare all options in the full directory.
Ready to apply? Go directly to CommBank:
✓ Official CommBank website • ✓ Secure application • ✓ Takes 5-10 minutes
Is the first year really free? ▼
Yes — $0 annual fee for the first 12 months. After that, $99/yr applies unless you close or downgrade.
How many points do I need for a flight? ▼
A domestic return economy flight on Qantas costs ~16,000 Qantas points. At 1.25 pts/$1, that’s about $17,000 in spending (after transfer ratio).
Can I downgrade if I don’t use it enough? ▼
Yes — you can downgrade to CommBank Low Fee ($0/yr) and keep your account history.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the CommBank website before applying.
