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CommBank Ultimate Awards Credit Card
Australia's only big-four card with zero international transaction fees AND lounge access — fee waivable at A$4k/month spend.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- 0% FX fees on all overseas spend
- Monthly fee waived at A$4k+ monthly spend (effectively free)
- 2 free lounge visits + 1,300+ lounge network via Mastercard Travel Pass
- Activated travel insurance covers baggage & delays
- Strong everyday earn on CommBank Awards Points
The Bad
- A$35/month fee if monthly spend falls below A$4k
- Only 2 free lounge visits per account per year
- Travel insurance requires activation for full coverage
- Awards Points worth ~0.5 cpp on most redemptions
Lounge Access
2 lounge networks included
Guest Policy
DragonPass (Mastercard Travel Pass): 2 complimentary visits per calendar year
Purchase APR
20.99% Variable
Credit Score
Good (Income A$75k+)
Limited Time Offer
Monthly Fee Waived with A$4,000 Monthly Spend
Offer Terms & Eligibility:
Hit A$4k/month spend and the A$35 monthly fee is waived. Welcome bonus varies.Lounge Networks
2 IncludedAdditional Travel Perks
Lounges CommBank Ultimate Awards Credit Card Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
Mastercard Travel Pass and DragonPass lounges are available at hundreds of airports worldwide