Revolut has introduced a new top-tier Ultra Plan card for its debit card in Australia. At $99.99/month (or $999/year), Ultra includes benefits across multiple categories, such as lounge access. It might also give premium credit cards a run for their money – particularly as you don’t need to undergo a credit assessment.
Unlimited lounge access is a rare benefit. The Ultra card competes with products such as the American Express Platinum card and the MyCard Prestige for its travel and lifestyle benefits.
Ultra card benefits
The Revolut Ultra card includes benefits across everyday spending, subscriptions and travel. Some of the travel benefits you can gain are:
- Points redemptions with airline partners, with many of them 1:1 (but some at a higher rate).
- Unlimited airport lounge access at over 1,400 locations, and fast-track through security at over 180 airports. Note that this is for the member only and does not include a guest.
- Travel insurance
- Unlimited international currency exchange with no additional fees
- $6,000 in subscription bundles including Duolingo, ClassPass and NordVPN
- Monthly 3GB eSIM allowance
Matt Baxby, CEO of Revolut Australia, says the card combines travel benefits with a range of subscription packages.
“It’s the perfect tool for Aussies who want more from their money, their investments, and their everyday experiences.”
How does the Ultra card compare to existing cards?
One of the main differences between the Revolut Ultra card and other premium cards on the market is the annual fee. However, the Revolut card is a debit card rather than a credit card, so there’s no credit check involved. Indeed, this card could be a good fit for self-employed or retired people who might otherwise struggle to get a credit card.
| Card | Card Type | Annual Fee | Lounge access | Reward Points |
|---|---|---|---|---|
| Revolut Ultra Card | Debit card | $999 p.a. (or $99/month) | Unlimited at 1,400+ locations for members only | Earn 1 RevPoint per $1 spent (Can be transferred directly to 13 airline partners, starting from a 1:1 rate) |
| American Express Platinum | Credit card | $1,450 p.a | Unlimited at 1,500+ locations for member and at least one guest | Earn up to 2.25 American Express Points per $1 on eligible purchases (Can be transferred to 10+ airline partners at a 3:1 rate for most of them) |
| MyCard Prestige | Credit card | $700 p.a | 15 Priority Pass visits are included a year | Earn up to 3 MyCard Reward points per $1 spent on eligible transactions (Can be transferred to Velocity Frequent Flyer at a 2:1 rate) |
The lounge access is provided through LoungeKey (previously DragonPass) and includes a range of third-party lounges, such as:
- Sydney: Plaza Premium Lounge T1 (Arrivals, Departures) and Rex Lounge T2
- Melbourne: The House, Plaza Premium Lounge, Marhaba Lounge T2, Rex Lounge T4
- Singapore: Changi Lounge Jewel, Marhaba Lounge, SATS Premier, Plaza Premium Lounge T1, SATS Premier, Ambassador Lounge T2, SATS Premier, Marhaba, Ambassador Lounge T3, Blossom Lounge T4
However, note that Revolut Ultra lounge access does not include a guest. You can buy discounted guest passes through the Revolut app. This still positions the card quite well compared to the MyCard Prestige ($299 cheaper p.a., but with 15 lounge passes instead of unlimited) and the Amex Platinum Card ($451 more p.a., but with guest access at lounges).
Beyond just lounge access, the Revolut Ultra’s earn rate of 1 point per dollar may seem low. But consider that it transfers 1:1 to British Airways, which grants access to flights from Qatar Airways, Finnair, Qantas, and more. In comparison, Amex Membership Rewards transfers at 3:1 to British Airways. So while the 2.25 points per dollar earn rate seems high, it’s effectively only 0.75 Avios per dollar.
What are the airline earn rates?
As of 22 June 2026, here’s how many RevPoints you need for an airline point or mile.
- Aegean: 1 RevPoint = 1 mile
- Aer Lingus: 1 RevPoint = 1 Avios
- Air France/KLM: 2 RevPoints = 1 mile
- Avianca: 1 RevPoint = 1 mile
- British Airways: 1 RevPoint = 1 Avios
- China Southern: 1 RevPoint = 1 mile
- Etihad: 1 RevPoint = 1 mile
- Finnair: 1 RevPoint = 1 mile
- SAS: 1 RevPoints = 1 mile
- Singapore Airlines: 2 RevPoints = 1 mile
- TAP Air Portugal: 1 RevPoint = 1 mile
- Turkish Airlines: 1 RevPoint = 1 mile
- Vueling Club: 1 RevPoint = 1 Avios
Most partners are a 1:1 rate, except for Singapore Airlines and Air France/KLM, which is a 2:1 rate. Additionally, many of the ’40+’ partners that Revolut offers are actually just booked via Air France/KLM using Flying Blue miles, so they are effectively at the 2:1 rate as well. Those Flying Blue partner airlines include Air Mauritius, Bangkok Airways, China Airlines and Virgin Atlantic, to name a few.
Summing Up
If you’re considering a new premium payment card, the Revolut Ultra may be worth comparing with other options on the market. While the Ultra card is priced higher than some other cards, it is a debit card rather than a credit card. However, one thing it doesn’t have is a sign-on points bonus.
The points transfer program is probably best for those who use Avios, as that is arguably the most useful program in the 1:1 transfer range. Singapore Airlines is 2:1, while Qantas, Virgin Australia, Air Canada and Cathay Pacific are absent from the list.
If you use the included premium subscriptions, such as Duolingo and ClassPass credits, they could deliver even more value on the card. There are also savings on the crypto and currency exchange side, which may be useful depending on your financial habits.
Until 10 July 2026, new and existing customers can get 10% off their monthly Ultra plan for the first 3 months. You can sign up or upgrade to the Ultra card via the Revolut app.
Disclaimer: Point Hacks is not affiliated wih Revolut.
I’m waiting to see what Amex Platinum is going to do after the $400 dining credit expires at the end of the year. Will it still be $1450 a year?
I’ve actually been using Revolut for about 4 years now, and it’s become one of my favourite travel apps. I’ve found it really easy to top up, order a replacement card when needed, and manage different currencies while travelling. Their exchange rate is fantastic. With all the new travel perks they’re adding, especially for frequent flyers, it’s becoming an even better option.
If anyone is thinking of signing up, I’d really appreciate it if you used my referral link: https://www.revolut.com/not-a-web-link/?af_dp=revolut%3A%2F%2Fapp%2Freferral%3Ftracking_id%3Daa0a9b27-2f29-37b4-87b6-8ad666348cff%26source%3Demail&af_force_deeplink=true&dp=revolut%3A%2F%2Fapp%2Freferral%3Ftracking_id%3Daa0a9b27-2f29-37b4-87b6-8ad666348cff%26source%3Demail&pid=website&af_channel=website_direct
Happy to answer any questions about my experience if it helps!
I would love to see a roundup of these travel money cards, especially with regards to points earning.
Would this earn points on ATO
No.
This isn’t correct – it’s not a 1:1 transfer to all partners.
You should really check your facts before publishing considering this is a points page.
Hi Steve, you’re absolutely right. I have gone through to edit and update with list of the points earn rates.
Their website does not specifically mention which frequent flyer programs are included nor the actual redemption rates for each program. Is there any way of confirming this before signing up?
Hi JLim, we have just updated the guide with additional list of points partners.