Credit Card Compare

ANZ Rewards Platinum vs CommBank Ultimate Awards Credit Card

Compare ANZ Rewards Platinum, CommBank Ultimate Awards Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

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Side-by-side comparison of ANZ Rewards Platinum vs CommBank Ultimate Awards Credit Card.
ANZ Rewards Platinum card
ANZ Rewards Platinum
CommBank Ultimate Awards Credit Card card
CommBank Ultimate Awards Credit Card

Card details

Overall
50Fair
Highest
39Basic
Balance transfer38/100
Frequent flyer53/100Highest35/100
No foreign fee52/100
Qantas Points35/100
Rewards52/100Highest31/100
Sign-up bonus55/100Highest34/100
Travel50/10050/100
Velocity Points53/100Highest35/100

The basics

Card tierPlatinumStandard
Card typeVisaMastercard
Credit ratingGoodGood
Rewards programANZ Rewards ProgramCommBank Awards Program
Credit limit$6,000 – $100,000$6,000 – $100,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specifiedNot specified
ResidencyAustralian citizen or permanent residentAustralian citizen or permanent resident
Joint applicationNoNo
Temporary residentsEligibleEligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 44 daysUp to 44 days
Minimum repayment2% of the closing balance or $25, whichever is greater2% of the closing balance or $25, whichever is greater

Rates & fees

Ongoing interest rates

Purchases20.99% p.a.20.99% p.a.
Cash advances21.99% p.a.21.99% p.a.

Fees

Annual fee$94 p.a.Lowest$420 p.a.
Monthly fee
Additional cardholder fee$65$0Lowest
Cash advance fee3% of the amount3% of the amount
Foreign transaction fee3.5%0%Lowest
Late payment fee$20$20

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

$

Earn rate

Everyday spend1.5 pts per $1 up to $2,000 per statement periodNone
Bonus categoriesNone2 pts per $1 in bonus categories, up to $10,000 per statement period
Other purchasesNone1 pt per $1 on other purchases, up to $10,000 per statement period
Overseas spendNone3 pts per $1 on overseas spend, up to $10,000 per statement period
ATO/governmentNoneNone
Reduced rate above monthly cap0.5 pts per $1 above $2,000 per statement period0.5 pts per $1 above $10,000 per statement period
Points capUncappedUncapped
Points expiryPoints don't expire while your account is open and in order.Points don't expire while your account is open and in order.
Estimated annual points167,000 ptsWorth $835Highest96,000 ptsWorth $576

Sign-up bonus

Sign-up bonus125,000 pointsHighest60,000 points
Bonus spend required

Transfer partners

Air New Zealand Airpoints200 pts → 1 pt (≈ 1 pt per $133)
Cathay (Asia Miles)3 pts → 1 pt (≈ 0.5 pts per $1)
Qantas Frequent Flyer5 pts → 2 pts (Requires QFF Direct opt-in ($90/yr), ≈ 0.4 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.5 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 0.75 pts per $1)2 pts → 1 pt (≈ 0.5 pts per $1)

Related comparisons

Sources

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