Smart Awards Card: 15,000/M QFF Pts with $1,500/M Spend for 4M, Fees $60/Yr + $19/M ($0 with $2,000/M Spend) @ CommBank Yello

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WhatsTheBigDeal on 24/01/2025 - 11:45 commbank.com.au (180 clicks)
Last edited 24/01/2025 - 12:12 by 1 other user

Earn 25,000 CommBank Awards points or 15,000 Qantas Points each month when you spend $1,500 or more per month for the first 4 months on a new Smart Awards credit card. Offer is only available to customers in CommBank Yello Everyday, Everyday Plus or Homeowner benefit sets when they apply for a new Smart Awards credit card. Offer not available to customers who currently hold, or have held, any activated Awards card types in the 18 months prior as a primary cardholder or customers who switch from other card types.

Important terms to note:
Points Boost: Earn up to 2 Bonus Points or 0.8 Qantas Points per $1 spent on your highest eligible purchase made in a statement period up to 1,000 Bonus Points or 400 Qantas Points.
Earn up to 1.5 Awards points or 0.6 Qantas Points for every $1 spent up to and including $5,000 in a statement period on eligible purchases.
No monthly fee if you spend at least $2,000 during your statement period. Otherwise the monthly fee is $19.
Earn unlimited Awards Points or Qantas Points each year.
Choose to earn CommBank Awards points or opt-in to earn Qantas Points for $60 per year (this will increase to $90 per year effective 3 February 2025).
Cashback benefits for eligible cardholders through CommBank Yello Cashback Offers in the CommBank app.
Pay no international transaction fees for purchases you make overseas or online.

Related Stores

Commonwealth Bank

Qantas

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  indianregulator on 24/01/2025 - 11:53

  Got knocked back for this last time, not sure if I want to apply again!

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  rjams23 on 24/01/2025 - 11:56

  +1

  bonus points not eligible if you already received award points from other CBA cards

  • 

    basicerno on 24/01/2025 - 12:31

    Thank you good to know! I have an Ultimate awards card and was going to get the wife to get this one to stack the points.

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  povertytrap on 24/01/2025 - 12:01

  Knocked back as well.

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  moortoozzy on 24/01/2025 - 13:33

  +1

  "Bonus points will be credited within 90 days of each eligible statement period where the spend criteria has been met and will appear on your statement as ‘BONUS AWARDS’. You will be ineligible for the bonus points if your account is closed, switched to another card or in default at any time prior to the bonus points being credited to your account. "

  So basically you will need to have card for 7 months to get maximum amount of points.
  And meet spending criteria all these months to avoid monthly fee

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  countmein on 24/01/2025 - 14:16

  +2

  Second the experience above.

  You thought they will credit the first 15k pts in the first (one or) two statements? Wrong
  They said they will credit the 15k bonus pts in 90 days (since the minimum spent).
  You then wait 2 billing cycles + 90 days and expect the first 15k pts arrived? Wrong
  You have to complete and wait all 4 billing cycles (15k x4) + 2 first billing cycles + 90 days = 9 months!
  I am still waiting mine (7 months now).

  Opened 3 support tickets via ceba chat and a phone call to figure this out. Beware

  • 

    Azhura on 24/01/2025 - 14:52

    Agree, My one is the same.
    keep away from this credit card.
    The worst credit card that I ever applied.

  • 

    Jadeja on 24/01/2025 - 15:34

    You saved my timing contacting CBA. Thanks.

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  ChmpgneTasteBeerBdgt on 24/01/2025 - 14:42

  I just received my card a couple of days ago. Not awfully pleased to see the comment above about having to wait 9 months for points to be credited.. but on the plus side, it'll be easy to spend $2K a month so this is a very cheap way to get 60K QFF points, complimentary travel insurance and no international transaction fees. Sign up process was more annoying than usual..

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  vawiyoci on 24/01/2025 - 15:00

  Is it hard to get Yello activated starting as a non-CBA customer? ie open a smart access account, make the 5x or however many transactions then it's automatically there or does it take awhile?

  • 

    powerhead on 24/01/2025 - 15:27

    all as you described plus you have to wait until the end of calendar month making sure your 5 transactions settle, then another week to actually be enrolled in Yello

    • 

      vawiyoci on 24/01/2025 - 15:33

      Thanks. Is it one and done or gotta repeat the 5x transactions every month? Also wonder if you need to keep Yello for the entire duration of the offer to get the bonus at the end or only during the sign-up application.

      • 

        powerhead on 24/01/2025 - 15:48

        eligibility is assessed every month int he first week of the month, once you get the actual credit card it's easy to remain in Yello as you have to spend to get the sign up bonus and waive the monthly fees

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  tunzafun001 on 24/01/2025 - 16:17

  CBA is the worst bank for basically everything.

  You will get rejected, then go through AFCA. Will then get approved, but they won't follow AFCA findings to remove 3 credit checks. Back to AFCA.

  CBA is a hot mess of everything. Avoid.

  No idea how they are the biggest company in Australia….we should be embarrassed.

  Not going to neg the deal….but if I could neg the CBA experience…I would 1000x over.