CommBank Ultimate Awards Credit Card (with $4000 per month spend)
$0 monthly fee
100,000 points
$6,000 min limit
1.00 points per dollar
Spend $12,000 in 120 days
Offer Details
Premium
Signup Bonus
100,000 points
Commbank
Minimum Spend
$12,000
within 4 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
No fees disclosed
Check with issuer for complete fee structure
Benefits
No Annual Fee
$0 monthly card fee if you spend at least $4,000 in your statement period; otherwise $35 monthly fee applies
No International Transaction Fee
Pay no international transaction fees on purchases or cash advances made overseas or online where the merchant or processor is overseas
Travel Insurance
International travel insurance included when you spend at least $500 in a single prepaid travel transaction and activate before travel; covers you, spouse, and accompanied children for return trips from Australia
Lounge Access
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass by DragonPass to over 1,300 lounges worldwide; access requires registration and presenting QR code and boarding pass; guest must be accompanied by primary cardholder
No Additional Cardholder Fee
No additional cardholder fee to share your card with someone else
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Moderate
●●○$100 per day required
First Year Cost
Free
monthly fee
Earn Rate
Average
●●○○1.00x Commbank points per $1
Travel Benefits
Lounge Access
Two complimentary airport lounge passes each calendar year with Mastercard Travel Pass (DragonPass)
Did this help you make a decision?
$525 of profit after meeting spend requirements
+ $525 Coles gift cards
- $0
monthly fee
$500
x 1
$25
x 1
in Coles gift cards, $525 total, with 2,000 points remaining.
No monthly fee
$0 monthly card fee if you spend at least $4,000 in your statement period
OzBargain discussion for this card
History
23 Jul 2025
2 changes
Lounge Pass:
Two complimentary airport lounge passes each calendar year with Mastercard Trave...Two complimentary airport lounge passes each calendar year with Mastercard Trave...
Spend For Bonus:
16,00012,000
29 Jun 2025
6 changes
Ozbargain Link:
https://www.commbank.com.au/credit-cards/ultimate.html
Link:
https://www.commbank.com.au/credit-cards/ultimate-credit-card-qantas.htmlhttps://www.commbank.com.au/credit-cards/ultimate.html
Annual Fee:
$0
Monthly Fee:
$35$0
Second Year Annual Fee:
$0
Spend For Bonus:
12,00016,000
24 May 2025
9 changes
Notes:
$0 monthly card fee if you spend at least $4,000 in your statement period
Lounge Pass:
Two complimentary airport lounge passes each calendar year with Mastercard Trave...
Annual Fee:
$30$0
Monthly Fee:
$35
Second Year Annual Fee:
$450$0
Interest Rate:
20.0020.99
Spend For Bonus:
6,00012,000
Bonus Period:
90120
Points Per Dollar:
1.201.00
30 Jun 2024
1 changes
Expiration Date:
30 Sep 2023
- Card offer has ended2 years ago
- Minimum monthly spend increased from $2500 to $40002 years ago
