Commonwealth Bank credit cards
6 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
CommBank Yello Program · 2
60,000 pts ≈ $240 · 30k in year 1
- Annual fee
- $228
- Monthly fee
- $19
- Additional cardholder
- Free
- Rewards program
- CommBank Yello Program
- Base earn rate
- 0.5 CommBank Yello Program pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Spend $4,500 in the first 90 days and get 30,000 CommBank Yello points if eligible. Stay with us for 12 months and eligible customers unlock another 30,000 CommBank Yello points. New applications from 29 September 2026.
0.5 CommBank Yello Program pts per $ · $420 fee · international lounges
−$2059th of 66100,000 pts ≈ $400 · 50k in year 1
- Annual fee
- $420
- Monthly fee
- $35
- Additional cardholder
- Free
- Rewards program
- CommBank Yello Program
- Base earn rate
- 0.5 CommBank Yello Program pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- International
- Complimentary travel insurance
- Yes
Spend $9,000 in the first 90 days and get $300 in travel credits, plus 50,000 CommBank Yello points if eligible. Stay with us for 12 months and eligible customers unlock another 50,000 CommBank Yello points. New applications from 29 September 2026.
No rewards · 4
$420 value
- Annual fee
- $72
- Monthly fee
- $6
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 13.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn $70 each month when you spend $500 or more per month for the first 6 months on a new Low Rate credit card.
$240 value
- Annual fee
- $36
- Monthly fee
- $3
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn $40 each month when you spend $500 or more per month for the first 6 months on a new Low Fee credit card.
- Annual fee
- $120
- Monthly fee
- $10
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $180
- Monthly fee
- $15
- Additional cardholder
- Free
- Rewards program
- None
- Purchase rate
- Charge card · paid in full monthly
- Cash advance rate
- 0.00% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
No published end date · 4
- Low Rate credit card$348 net
- Low Fee credit card$204 net
- Smart credit card$12 net
- Ultimate credit card−$20 net
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
September 20265 changes
- 29Tue
- Smart credit cardsign-up bonus opened: 60,000 pts (≈ $300)bonus on
- Ultimate credit cardrewards program now CommBank Yello Program2 fields
Rewards program Ultimate Awards Points Earn Structure CommBank Yello Program Base earn rate 1 6.5
- 24Thu
- Ultimate credit cardearn rates restated—
- Smart credit cardearn rates restated—
- 10Thu
- Smart credit cardrewards program now Smart Awards—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on Commonwealth Bank credit cards
to leave a note.
As of 2 November 2026, Commonwealth Bank has six credit cards tracked by BankMate, four of them carrying a sign-up bonus. The Low Rate credit card's bonus is worth about $420, or $348 after its $72 first-year fee, which ranks 13th of 66 bonus cards. Its cards last changed on 28 September 2026. From the provider's Consumer Data Right feed, refreshed nightly.