Borrow or Refinance with CommBank Digi Home Loan, Get up to 300,000 Qantas Points (Loan from $300,000) @ Commbank

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Unseatingcargo1 on 19/09/2025 - 16:26 commbank.com.au (273 clicks)
Last edited 19/09/2025 - 17:20 by 1 other user

Digi Home Loan (Owner Occupied Principal & Interest) for new borrowings with a Loan to Value ratio of 60% or less when compared to CommBank’s other advertised loan rates. Minimum new borrowings of $100,000.,

How many Qantas Points could you earn?

• 100,000 points for loans $300,000–$499,999
• 200,000 points for loans $500,000–$999,999
• 300,000 points for loans $1 million+

Rates & fees

• $300 upfront establishment fee
• $10 monthly loan service fee ($10 monthly cashback if you meet CommBank Yello Gold or Diamond eligibility)2
• $10 monthly offset feature fee, if an Everyday Offset account is linked
• $50 Switching fee applies per change, when switching your loan purpose, repayment type or product type
• Other fees and charges may apply

Interest Only payments available for up to five years for Owner Occupied Home Loans and up to 15 years for Investment Home Loans3

Related Stores

Commonwealth Bank

Qantas

• 

  Koulie on 19/09/2025 - 16:43

  +2

  Refinance incentive/cashback market starting up again??

• 

  dumkaze on 19/09/2025 - 16:50

  +2

  what would be the interest rate ?

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  pandaman on 19/09/2025 - 16:51

  +5

  $10 Fee for an offset account? Why? And per month. I know there are fees that somehow they can cojure a story up for, but this is just pathetic.

  It's on par with the ticket processing fee that you pay for ticketek and other grubby places like that

  • 

    spiff on 19/09/2025 - 17:34

    ANZ has the same fee

    • 

      pandaman on 19/09/2025 - 17:49

      Yeah but that is a basket case of a bank, it makes sense

• 

  donman92 on 19/09/2025 - 16:59

  Dang it, my home loan is only $280k, I might be able to refinance $20k and just put it into the offset.

• 

  Neil2016 on 19/09/2025 - 17:00

  +1

  Cashback would be better

• 

  cyruslol on 19/09/2025 - 17:47

  IMO the rate of 5.34% per annum has been applied in factoring the QF value

  • 

    ol mate on 20/09/2025 - 08:18

    The rates aren't too bad, given it's a Big 4 bank.

    There are definitely 2nd/3rd tier banks with lower rates out there though.

• 

  atom1319 on 19/09/2025 - 19:08

  What is the difference with wealth package?

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  Moo Deng on 19/09/2025 - 19:11

  So to qualify for Yello Gold, you need to make 15 transactions on a CommBank Debit or Credit Card and also your home loan balance needs to be above $50,000? Is that correct?

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  liam2040 on 19/09/2025 - 20:50

  $7550 of fees over 30 years. Sign me up.

• 

  Nuggets on 20/09/2025 - 09:15

  Terms quoted in the op are incorrect. LVR up to 80% is eligible.

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  mahdoo on 20/09/2025 - 12:05

  At least $540 annual fee. If you add it all up. Sounds like it's only worth considering if you're eligible for the 300k point tier

  Plus they aren't market leading either, so on a $700k loan you're paying $732 more interest in your first year. Compared to 5.20%

  Skip, and go with up bank or anywhere else offering 5.20%