CommBank Smart Awards Credit Card review for Aussies, up to 75,000 points, lounge access and no foreign transaction fees
How Aussies can maximise up to 75,000 CommBank Awards points, lock in lounge access and avoid foreign transaction fees while making the $19 monthly fee worth it
Overview for Aussie travellers
The CommBank Smart Awards Credit Card is a top pick for Australians who travel or shop overseas. With up to 75,000 bonus CommBank Awards Points on offer and the option to convert to Qantas Points, this card blends flexibility with travel value.
It charges a $19 monthly fee (waivable with $2,000 spend in a statement period) and removes foreign transaction fees, so you won’t get stung when paying in AUD or overseas. For many Aussies, that combination makes the card worth the small monthly cost.
Earning and maximising points
This card earns up to 1.5 CommBank Awards Points per $1 on eligible spend and gives a Points Boost on your highest eligible purchase each statement period. To maximise rewards, put big-ticket items—flights, accommodation, electronics—on this card and use it for everyday spend too.
Take advantage of the introductory offer: spend $1,500 a month for the first three months to reach up to 75,000 bonus CommBank Awards Points. Pairing regular spend with promotional partner offers will accelerate your points balance and help you redeem sooner.
Travel perks, lounge access and foreign fees
Aussies who fly often will appreciate the included lounge access and complimentary travel protections that come with the CommBank Smart Awards Credit Card. Access to selected lounges helps turn long layovers into a relaxing start to your trip.
Equally important for travellers is that the card has no foreign transaction fees, so every overseas purchase earns full points without the extra 2–3% charge many other cards apply. That’s a real saving when you’re spending in USD, EUR or other currencies on holiday.
Applying, costs and smart usage
Applying online is straightforward for Australian residents with proof of income and a decent credit history. Remember the $19 monthly fee is avoidable each statement if you meet the $2,000 spend threshold, so plan larger purchases or consolidate household bills to that billing cycle.
Use the CommBank Smart Awards Credit Card strategically: nominate it for the highest monthly spend to capture the Points Boost, add a supplementary card for partners to pool points, and monitor promotions via the CommBank app. Balancing the fee against the value of lounge access, no foreign fees and up to 75,000 bonus points will tell you if this card suits your travel and rewards goals.