All credit cards
Commonwealth BankCommBank Smart
Commonwealth BankCommBank Ultimate
Credit cards · Side by side
CommBank Smart vs CommBank Ultimate
vs
Compare on
First-year value after costs, on an assumed $2,000 a month
−$57
$51 rewards + $120 bonus, less costs
−$369
$51 rewards, less costs
CommBank Smart's first-year value is $312 higher than CommBank Ultimate's, on an assumed $2,000 a month.
An assumed $2,000 a month on the card. Drag to try yours
Figure by figure
First-year value
after costs, on an assumed $2,000 a month
−$57
$312 more · Higher value after costs
−$369
This spend doesn’t reach the bonus
Sign-up bonus
in dollars, points at what a point buys
$240
60,000 CommBank Yello Program points
$400
100,000 CommBank Yello Program points
$160 more · Larger sign-up bonus
What the bonus asks
spend on the card
$4,500 in 3 months
30,000 points in year one
$9,000 in 3 months
50,000 points in year one
Annual fee
ongoing, with any rewards program fee
$228
$19 a month
$192 less · Lower annual fee
$420
$35 a month
First-year fee
$228
the same as later years
$192 less · Lower first-year fee
$420
the same as later years
Rewards program
CommBank Yello Program
0.40¢ a point
CommBank Yello Program
0.40¢ a point
Earn rate
on everyday spend, at what a point buys
0.5
CommBank Yello Program points per $1 · about 0.20% back
0.5
CommBank Yello Program points per $1 · about 0.20% back
Purchase rate
20.99%
a year
20.99%
a year
Interest-free days
on purchases, at most
44 days
44 days
Overseas transaction fee
3.50%
of each overseas purchase
None
of each overseas purchase
3.50 lower · Lower overseas fee
Cash advance rate
21.99%
a year
21.99%
a year
Additional cardholder fee
None
a year for each extra card
None
a year for each extra card
Minimum credit limit
$2,000
$6,000
Complimentary travel insurance
Included
Included
Airport lounge access
Included
domestic
Included
domestic
Network
Mastercard
Mastercard
Over time
Each card's figure as it stood each week since we began tracking cards. A move shows as ▲ or ▼ in the week it happened.
As of 14 October 2026, CommBank Smart charges $228 a year and its sign-up offer is 60,000 CommBank Yello Program points; CommBank Ultimate charges $420 a year and its sign-up offer is 100,000 CommBank Yello Program points. Points are valued at what a point buys (a bank's own points at its gift card rate, airline points at 0.8¢), and the value after costs is worked out on the spend above. Each row says which figure is higher or lower; it doesn't rank the cards.
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