CommBank

CommBank Ultimate credit card (Qantas Frequent Flyer opt-in)

Qantas Frequent Flyer0% international transaction fee, 2 lounge passes/yr (Mastercard Travel Pass), up to A$300 travel + A$120 dining credits/yr, DashPass

Annual fee A$569

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Your result · A$4,000/mo · 10% overseas · Qantas Frequent Flyer

12,800points/yr

Net value−A$441

Rank#38 of 40

Earn by category

Dining & cafés3,300

Groceries1,600

Transport & fuel1,000

Online shopping2,100

Bills & subscriptions500

Travel & airfare3,200

Everything else1,000

Points a year · total 12,700

Earn rules

Category	Conditions	Rate	Monthly cap
Base earn		0.17 pts / A$1
Dining & cafés	Dining paid via Dine In Deals (EatClub) in the CommBank app (Yello tier 1.5; Diamond 6.5).calculated as 5% of this category	0.5 pts / A$1	None
Travel & airfare	Flight bookings via CommBank Travel Booking, promo until 30 Sep 2027 (Yello tier 10.5; Di…calculated as 5% of this category	3.5 pts / A$1	None
Travel & airfare	Hotel and car rental bookings via CommBank Travel Booking (Hopper) in the CommBank app, p…calculated as 5% of this category	6.83 pts / A$1	None
Overseas	International transactions in store and online: 2 Yello points per A$1 (all tiers).	0.67 pts / A$1	None

Earns CommBank Yello points; calculated at 3 points = 1 point
Sign-up bonus: 16,667 points · 50,000 Yello points (= ~16,667 Qantas at 3:1) + A$300 travel credit for A$9,000 eligible spend within 90 days; plus 50,000 Yello points after 12 months. Not if…
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.

Qantas Frequent FlyerQantas · 1 point ≈ 1¢Used in your result

Verified 2026-10-23 · CommBank disclosure·Report an error