Commonwealth Bank of Australia
Enjoy up to 100,000 bonus Awards points or $450 cashback with a competitive rate. Flexible limits and tailored perks for everyday spenders.
The CommBank Ultimate Awards Credit Card offer stands out, especially for those seeking maximum rewards on a new application. Cardholders can earn up to 100,000 CommBank Awards points or 70,000 Qantas Points by meeting specific spend requirements each month for four months. If cashback is more your style, the Low Rate card provides up to $450 back over six months for eligible spending. With a competitive personalised interest rate between 10.99% and 15.99% p.a., this card also offers flexible credit limits suited to varying needs.
Steps to Apply for CommBank Ultimate Awards Credit Card
- Check your eligibility for a new CommBank credit card.
- Review the specific offer that suits your needs (Awards points, cashback, or Qantas Points).
- Complete the online application form, submitting personal financial details.
- Wait for a fast response—applications are subject to credit approval.
- Upon approval, begin using your card and meet minimum monthly spends to unlock the full bonus.
Avantages
The main advantage is the generous rewards program, providing either CommBank Awards points or Qantas Points. Monthly spend-based bonuses help maximise your benefits without waiting until the end of a long promotional period.
Additionally, cashback options add flexibility for those who prefer immediate financial value rather than travel or gift card rewards.
Cons
Existing or recent primary cardholders are excluded from many offers. If you already hold or have held a CommBank card in the past 24 months, you’re not eligible for the welcome bonuses.
Monthly required spends ($1,500–$3,000) may not suit everyone, especially if your regular outgoings are lower.
Verdict
Overall, the CommBank Ultimate Awards Credit Card is a solid choice for Australians targeting maximum rewards for everyday purchases. The offer’s flexibility and attractive bonus structure make it appealing, though eligibility restrictions are worth noting for current cardholders.
