CommBank
Smart credit card
CommBank · cred and chrg cards
Provider last updated this product 2026-10-01.
Go to provider
You'll complete your application on
CommBank's website. Confirm the rate and fees with them
before applying.
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.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| PURCHASE | 20.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Additional cardholder fee | PERIODIC | $0 | Pay no additional cardholder fee to share the convenience of your card with someone else. |
| Late payment fee | LATE_PAYMENT | $20 | When you don't make your minimum monthly payment, plus any overdue amount, by your statement due date. |
| 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). |
| Emergency issue/ lost/ replacement card fee | REPLACEMENT | $20 | When you need an emergency replacement card delivered to you. |
| International transaction fee | TRANSACTION | 3.50% | A 3.5% international transaction fee will apply to purchases made in foreign currencies from 29 September 2026. |
| Cash Advance Fee | CASH_ADVANCE | 3.00% | 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 purchases of cash equivalent items, such as gambling, lottery tickets and money transfers. Capped at a maximum fee of $300.00 (or $4.00 if your closing balance was in credit the previous business day). |
| Monthly Fee | PERIODIC | $19 | 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. 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. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 20.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Monthly Dining Credit: $10 monthly dining credit to use on Dine In Deals provided by EatClub, to enjoy on your next meal out. Dining credits are only issued where the applicable card fee has been charged. Where the fee is waived or not charged, no dining credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Smart: $2,000 per statement period). The dining credit expires 12 months after it is issued. Dining credit benefit is subject to change, and removal without notice and at our discretion.
- Monthly Travel Credit: $10 monthly travel credit to use on Travel Booking. Travel credits are only issued for a card account statement period where the applicable card fee has been charged for that statement period. Where the fee is waived or not charged, no travel credit will be provided for that period, except where the fee is waived by meeting the minimum spend requirement (Smart: $2,000 per statement period). Travel Credit benefit is subject to change, and removal without notice and at our discretion.
- 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 receive access to other features and benefits associated with your Mastercard subject to terms and conditions.
Instalment plan
- Instalments - 3 to 12 instalments
- Purchase size - from $100
- Plans at once - up to 50
Who can apply
- min age - 18The additional cardholder may be 16 years of age or older.
- natural personIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
- otherApplications for credit cards are subject to credit approval.
- otherEach application for credit is assessed on the ability of the applicant to service debt (limit) based on the financials supplied in the application.
- residency status - AUAvailable to citizens or permanent residents of Australia and valid visa holders. Make sure you are legally allowed to work in Australia.
- residency status - NZAvailable to citizens or permanent residents of NZ and valid visa holders. Make sure you are legally allowed to work in Australia.
Limits
- min limit - 2000.00Note that the credit limit we give you will depend on your ability to meet your repayments.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-10-01T02:15:40.000Z · Product ID: ff7e709bc7f8414da253f9c10308fe24