CommBank Ultimate Awards Credit Card (with $4000 per month spend)

Opt-in (for $90/year) to transfer CommBank Awards points to Qantas Frequent Flyer; points auto-transfer each statement period at 2.5 CommBank Awards points to 1 Qantas Point

Purchase Security: new items bought on the card (or via Awards points redemption) covered against loss, theft or damage for 90 consecutive days from purchase; $100 excess; up to $200,000 per 12-month period for personal Ultimate Awards cardholders

Extends the manufacturer's Australian warranty on eligible items charged to the card by a period equal to the original warranty, up to a maximum of one extra year (no cover where the Australian warranty exceeds 5 years); $100 excess; up to $20,000 per 12-month period for personal Ultimate Awards cardholders

Two complimentary airport lounge visits each calendar year per account via Mastercard Travel Pass provided by DragonPass (over 1,300 lounges worldwide); must register the card at mastercardtravelpass.dragonpass.com to generate a membership QR code; each visit usable by primary cardholder or guest

Up to 10% back in travel credits as an eligible CommBank Yello customer when booking flights/hotels via Travel Booking (provided by Hopper); Yello Plus/Gold 5%, Diamond 10% plus a $100 first-time travel credit; credits have a 2-year expiry

Complimentary international travel insurance (Overseas Travel Policy, issued by Zurich, administered by Cover-More) for the cardholder and accompanying family on return trips from Australia of up to 12 months per journey; requires spending at least $500 in a single transaction on prepaid travel costs (or redeeming $500 of Awards points/Travel Booking credits) on the card and activating cover before travel; includes unlimited overseas emergency medical and hospital expenses

Rental Vehicle Insurance Excess cover up to $2,250 under the activated Overseas Travel Policy

CommBank Yello Cashback Offers: personalised, activatable cashback offers with partnered brands via the CommBank app for eligible Mastercard cardholders; cashback typically received within 14 business days. Mastercard Travel Rewards cashback also available at participating overseas merchants

0% international transaction fee on purchases or cash advances made overseas or online where the merchant or processing entity is located overseas

No foreign currency conversion fee charged on overseas or online international transactions

No additional cardholder fee to share the card with someone else

No monthly fee ($35 otherwise) in any statement period where at least $4,000 is spent on the card; spend includes purchases and cash advances minus refunds

Up to 44 interest-free days on purchases when the full closing balance shown on the statement is paid by the due date each month

SurePay instalment plans let you repay a purchase or all/part of the card balance over monthly instalments (Purchase plan, Card balance plan, Cash advance balance plan); Purchase plans on a purchase of $100 or more made in the last 14 days at 0% p.a. interest for a set-up fee of 2% (3-month), 3% (6-month) or 5% (12-month); a set-up fee may apply; not available on balance transfers