CommBank Ultimate Awards Credit Card vs Westpac Altitude Rewards Platinum

Compare CommBank Ultimate Awards Credit Card, Westpac Altitude Rewards Platinum 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 CommBank Ultimate Awards Credit Card vs Westpac Altitude Rewards Platinum.
	CommBank Ultimate Awards Credit Card	Westpac Altitude Rewards Platinum

Card details

CardIQ

How we calculate scores

Overall	39Basic	55Good Highest
Frequent flyer	35/100	55/100Highest
No foreign fee	52/100	–
Qantas Points	35/100	–
Rewards	31/100	52/100Highest
Sign-up bonus	34/100	66/100Highest
Travel	50/100Highest	47/100
Velocity Points	35/100	55/100Highest

The basics

Card tier	Standard	Platinum
Card type	Mastercard	Mastercard
Credit rating	Good	Good
Rewards program	CommBank Awards Program	Westpac Altitude Rewards
Credit limit	$6,000 – $100,000	$3,000 – $50,000

Eligibility

Minimum age	18 years old	18 years old
Minimum income	Not specified	$30,000 p.a.
Residency	Australian citizen or permanent resident	Australian citizen or permanent resident
Joint application	No	No
Temporary residents	Eligible	Not eligible
Instant approval	Yes (~60 seconds)	Yes (~60 seconds)

Repayments

Interest-free period	Up to 44 days	Up to 45 daysHighest
Minimum repayment	2% of the closing balance or $25, whichever is greater	2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases	20.99% p.a.	20.99% p.a.
Cash advances	21.99% p.a.	21.99% p.a.

Fees

Annual fee	$420 p.a.	$99 p.a.Lowest
Monthly fee	—	—
Additional cardholder fee	$0	$0
Cash advance fee	3% of the amount	3.5% of the amount
Foreign transaction fee	0%Lowest	3%
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 spend	None	None
Bonus categories	2 pts per $1 in bonus categories, up to $10,000 per statement period	1.25 pts per $1 in bonus categories
Other purchases	1 pt per $1 on other purchases, up to $10,000 per statement period	1 pt per $1 on other purchases, up to $5,000 per statement period
Overseas spend	3 pts per $1 on overseas spend, up to $10,000 per statement period	2 pts per $1 on overseas spend
ATO/government	None	None
Reduced rate above monthly cap	0.5 pts per $1 above $10,000 per statement period	0.5 pts per $1 above $5,000 per statement period
Points cap	Uncapped	Uncapped
Points expiry	Points 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 points	96,000 ptsWorth $576	136,000 ptsWorth $1,360Highest

Sign-up bonus

Sign-up bonus	60,000 points	100,000 pointsHighest
Bonus spend required	—	—

Transfer partners

Air New Zealand Airpoints	—	180 pts → 1 pt (≈ 1 pt per $180)
Cathay (Asia Miles)	—	3 pts → 1 pt (≈ 0.33 pts per $1)
Everyday Rewards	—	3 pts → 2 pts (≈ 0.67 pts per $1)
Qantas Frequent Flyer	5 pts → 2 pts (Requires QFF Direct opt-in ($90/yr), ≈ 0.4 pts per $1)	—
Singapore Airlines KrisFlyer	—	3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer	2 pts → 1 pt (≈ 0.5 pts per $1)	3 pts → 1 pt (≈ 0.33 pts per $1)

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuers: Commonwealth BankWestpac
Program: Altitude Rewards (Westpac)