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CommBank
CommBank Smart credit card (Yello points to Velocity)
Velocity Frequent FlyerUp to A$120 travel + A$120 dining credits/yr, DashPass, discounted lounge access
Annual fee A$228
Apply15,300points/yr
Net value−A$75
Rank#27 of 40
Earn by category
Points a year · total 15,200Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 0.2 pts / A$1 | ||
| Dining & cafés | Dining via Dine In Deals in the CommBank app.calculated as 5% of this category | 0.6 pts / A$1 | None |
| Travel & airfare | Flight bookings via CommBank Travel Booking (promo until 30 Sep 2027).calculated as 5% of this category | 4.2 pts / A$1 | None |
| Travel & airfare | Hotel/car bookings via CommBank Travel Booking (promo until 30 Sep 2027).calculated as 5% of this category | 8.2 pts / A$1 | None |
| Overseas | International transactions: 2 Yello points per A$1 (all tiers). | 0.8 pts / A$1 | None |
- Earns CommBank Yello points; calculated at 3 points = 1 point
- Sign-up bonus: 12,000 points · 30,000 Yello points (= 12,000 Velocity at 2.5:1) for A$4,500 spend within 90 days; plus 30,000 Yello points after 12 months.
- 1 point ≈ 1¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
Where these points go
This card earns or transfers to these programs.
Velocity Frequent FlyerVirgin Australia · 1 point ≈ 1¢Used in your result
Verified 2026-10-23 · CommBank disclosure·Report an error