CommBank Smart Awards
Quick answer: The CommBank Smart Awards carries a A$228 annual fee and 3 catalogued benefits; its best earning category is Groceries at 1.5x. MaxWorth is the only benefits tracker with hand-verified Australian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Groceries | 1.5x | 0.6% |
| Department Stores | 1.5x | 0.6% |
| Gas | 1.5x | 0.6% |
| Dining | 1.5x | 0.6% |
| Utilities | 1.5x | 0.6% |
| Everything else | 1x | 0.4% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Protections (1)
International Travel Insurance
A$150/yrComplimentary international travel insurance for you and eligible family members when you activate the cover and spend at least $500 on prepaid travel costs with the card. Includes overseas medical cover; terms, exclusions and excesses apply.
Other (2)
No International Transaction Fees
No international transaction fees on purchases made overseas or online with international merchants. The $19 monthly fee is waived when you spend $2,000 or more in the statement period.
Qantas Points Option
Optionally earn Qantas Points instead of CommBank Awards points for a $90 annual opt-in fee: 0.6 Qantas Points per $1 in bonus categories and 0.4 per $1 elsewhere on the first $5,000 per statement period, then 0.2 per $1.
How to track it
Add the CommBank Smart Awards to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Australian bank account is ever connected. What MaxWorth covers for Australian cards.
Other Commonwealth Bank of Australia cards
- CommBank Ultimate Awards · A$420 · 4 benefits
- CommBank Neo · A$180 · 1 benefits
- CommBank Interest-free Low Fee · A$120 · 0 benefits
- CommBank Awards · A$96 · 1 benefits
- CommBank Low Rate · A$72 · 1 benefits
- CommBank Low Fee · A$36 · 1 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in AUD. Methodology.