Revolut Ultra Credit Card
Data last updated 28 July 2026
20.99%
Purchase rate
$1,200
Annual fee
44 days
Interest-free
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37Basic
Basic
Overall score, out of 100 · How this works
- Airport lounge35
- Frequent flyer26
- No foreign fee52
- Rewards25
- Travel49
Customer reviews
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Pros & cons
What's good
- Complimentary unlimited airport lounge access.
- Complimentary international travel insurance, purchase protection and extended warranty.
- Points transfer to 10 frequent flyer programs, including Aer Lingus AerClub, British Airways Club and China Southern Sky Pearl Club.
- No fee to add an additional cardholder.
Worth noting
- This is the price of Revolut's Ultra plan, billed monthly ($99.99/month): a subscription, not a traditional annual card fee. The $1,200 annual fee is still high for a Standard card, where the typical fee is about $50.
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- Earns 1.3 RevPoints per $1 on everyday spend, around the dataset average.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $35,000
- Credit rating
- Good
- Rewards program
- RevPoints
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $26,000 p.a.
- Residency
- Australian citizen, permanent resident or eligible visa holder
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 23.99% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $1,200 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 0%
- Late payment fee
- $30
- Over limit fee
- $0
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the total balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1.3 RevPoints per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- —
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Transfer partners
- Aer Lingus AerClub
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- British Airways Club
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- China Southern Sky Pearl Club
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- Etihad Guest
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- Finnair Plus
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- Iberia Plus
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- SAS EuroBonus
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- TAP Miles&Go
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- Turkish Airlines Miles&Smiles
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
- Vueling Club
- 1 pt → 1 pt (Maximum rate; set per program in the app, ≈ 1.3 pts per $1)
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
FeatureThis cardWhere it ranks
Overseas feeNo feeTied for best (1st of 199 cards)
Rewards value$468 a yearTop 25% (11th of 94 cards)
Purchase rate20.99%Not as good as most cards (125th of 195 cards)
Interest-free days44 daysNot as good as most cards (141st of 191 cards)
Annual fee$1,200 a yearAmong the most expensive (197th of 199 cards)
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Revolut