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Commonwealth Bank · Smart Awards · Credit card
LiveSmart Awards credit card
A $228 annual fee and a 20.99% p.a. purchase rate as of 18 September 2026. The fee ranks 69th lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
$228annual fee
2 Smart Awards pts per $ · 20.99% p.a. purchases · up to 44 interest-free days
Annual fee over time
Annual fee- Smart Awards credit card
Changes
1 change since 10 Sept 2026- Smart Awards credit card · rewards program now Smart AwardsRe-read from the issuer's card page—
Fees
- Annual fee
- $228
- Monthly fee
- $19
- Additional cardholder
- Free
- Foreign transaction fee
- None
- Late payment fee
- $20
Earning
- Rewards program
- Smart Awards
- Base earn rate
- 2 Smart Awards pts per $
- Grocery spend
- 0.6 pts per $
Interest
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Interest-free days
- Up to 44
Perks
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
- Concierge
- No
- Network
- Mastercard
Eligibility
- Minimum credit limit
- $3,000
About this product
A credit card that allows you to earn unlimited awards points, extra bonus points, travel benefits and ability to pay no monthly fee for eligible customers.