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The CommBank Ultimate Awards credit card earns 1.5 Awards points per dollar — transferable to both Qantas and Velocity. At $180/yr, it offers the best flexibility of any Australian rewards card.
CommBank Credit Cards at a Glance
Flexible RewardsCommBank Ultimate Awards
1.5 pts/$1, transfer to Qantas or Velocity. $180/yr.
Mid-Tier RewardsCommBank Smart Awards
1.25 pts/$1, $0 first year. Good earn without premium fee.
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Why the CommBank Ultimate Awards credit card Stands Out
✓ What makes it worth it:
- 1.5 pts/$1 on everyday spend
- Transfer to Qantas OR Velocity — your choice
- $180/yr — moderate for a premium rewards card
- Complimentary travel insurance
- 2 complimentary airport lounge visits/yr
✗ What to consider:
- Points value depends on transfer partner
- 20.99% purchase rate
- 3% foreign transaction fee
- Minimum income $75,000
Verdict: Who Should Get This Card?
The CommBank Ultimate Awards is ideal if you fly both Qantas and Virgin and want flexibility. The 1.5 pts/$1 rate is competitive, and the ability to switch between airlines is unique. If you only fly Qantas, the Amex Qantas Ultimate earns more per dollar.
Ready to apply? Go directly to CommBank:
✓ Official CommBank website • ✓ Secure application • ✓ Takes 5-10 minutes
Can I transfer points to both Qantas and Velocity? ▼
Yes — you choose where to transfer each time. You can split points between programs if you wish.
What is the transfer ratio? ▼
1:1 to Velocity, 1:0.75 to Qantas. So 100,000 Awards pts = 100,000 Velocity or 75,000 Qantas.
Is there a sign-up bonus? ▼
CommBank regularly offers 80,000-100,000 bonus points. Check the current offer on their website.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the CommBank website before applying.
