Post by: chasingthegoodlife on November 08, 2017, 02:56:32 AM
I'll start with a few I noticed today:
Commonwealth Bank $300 cashback on Low Rate Mastercard
After the $59 annual fee, that's $240 for you.
https://tinyurl.com/mycs6js
Coles No Fee Mastercard - $100 off a single Coles supermarket shop.
Which is pretty much $100 cash for most of us. We all gotta eat!
https://tinyurl.com/yakdu2cg
ANZ Black Rewards - 75,000 bonus rewards points
Looks like this equates to roughly $350 worth of gift cards. Usually hefty annual fee is waived in the first year but you need to be earning $75k pa plus to qualify (not this little community sector mustachian).
https://tinyurl.com/h84uamo
Woolworths - $100 e-gift card
Annual fee waived in first year. Not fully sure what the conditions are on the e card but it's probably better than a punch in the face.
https://cards.woolworths.com.au/credit-cards.html
Post by: Phryne on November 13, 2017, 06:42:22 PM
The Virgin Australia card comes with a $129 voucher offsetting the $129 annual fee and you can earn a bonus 60,000 points. (I currently have the high flyer on a bigger point offer, but the voucher only partly offsets the fees)
https://virginmoney.com.au/credit-card/compare-our-credit-cards
The QFF premier credit card gets 75,000 bonus points for $149, probably one of the best paid offers around if you've exhausted the freebies & AMEX offers!
https://www.qantasmoney.com/credit-cards
Post by: nnls on November 22, 2017, 06:44:09 PM
Will delete if not allowed
Free $100 for you and me if you sign up for an ING bank account using referral code CIY527
- when opening a new orange every day account and depositing at least $1000 per calendar month within any month before 28/02/2018
- And opening a savings maximiser account by 28/02/2018
- And using their card to make 5 or more purchases
As an added bonus no international transaction fees when using the card overseas and no ATM fees worldwide
Post by: Fresh Bread on November 22, 2017, 09:33:42 PM
In the past Ratesetter have done referral bonuses where you both get $$ when your friend signs up and invests. The last one was $75 so better than a kick in the teeth. There aren't any offers right now though.
Post by: Astatine on November 23, 2017, 04:27:14 AM
Post by: Fresh Bread on December 01, 2017, 04:53:22 PM
You may be aware of Airtasker - the site where people post odd jobs that others pick up for a bit of side hustle cash? Well Coles have now partnered with them. Now you can do people's Coles shopping for them (once you've met certain requirements, being completing two prior tasks successfully).
I looked up how it works - someone posts their shopping list, you go buy it, upload an image of the receipt, enter the amount and then they pay you the bill via Airtasker. You get paid whatever they offered to do the task on top of that. So you can extra collect credit card points and flybuys points by doing someone else's shopping and get paid $20 bucks or similar.
I don't know whether there will be instances of taskers getting ripped off (never receiving the shopping bill money) but I don't think it would be possible because the person posting the task must enter credit card details.
There's not a massive amount of money to be earned but I love supermarket shopping and I'm only 2km away so I'm quite keen! I'd collect Velocity or Qantas points as well as flybuys, and with all the flybuys bonuses I could pay for some of my own goods.
Post by: life_travel on December 03, 2017, 06:36:49 AM
Probably will do Coles one as well.
Post by: marty998 on December 07, 2017, 04:38:29 AM
Ok, this is a bit left field, but wasn't sure where else to share!
You may be aware of Airtasker - the site where people post odd jobs that others pick up for a bit of side hustle cash? Well Coles have now partnered with them. Now you can do people's Coles shopping for them (once you've met certain requirements, being completing two prior tasks successfully).
I looked up how it works - someone posts their shopping list, you go buy it, upload an image of the receipt, enter the amount and then they pay you the bill via Airtasker. You get paid whatever they offered to do the task on top of that. So you can extra collect credit card points and flybuys points by doing someone else's shopping and get paid $20 bucks or similar.
How does the food get to the person who has ordered it from you? Obviously you need to engage someone nearby, otherwise items like ice-cream will melt or meat and fish will go bad etc...
Post by: Fresh Bread on December 07, 2017, 12:29:19 PM
Post by: marty998 on December 07, 2017, 01:29:18 PM
You take it to them, Marty. You do their shopping and take it to them. You'd shop at their nearest Coles.
Ahh I was thinking Coles delivery service.
Post by: Fresh Bread on December 07, 2017, 02:02:20 PM
Post by: chasingthegoodlife on December 10, 2017, 02:58:21 AM
Post by: Fresh Bread on December 11, 2017, 10:41:06 PM
I signed up for the ANZ Black Rewards card about two years ago and got the bonus 75000 QFF, then cancelled it before the fee was due about a year ago. I'm looking around for a new card and I see this offer is available again (or still?). Has anyone had one of these cards, cancelled and then applied for it again? I don't want to apply if it will be rejected because I previously had one, and then get a black mark on my rating.
Yes! Hubby has done exactly that.
Post by: Eucalyptus on January 09, 2018, 07:38:24 PM
ANZ staff in branches have been super helpful. I just set up Direct Debit from my CBA, as I'm about five minutes walk to a central branch, I just did it there. Easy peasy. Ask them pernickity questions while I'm there. Great!
Post by: kaetana on January 15, 2018, 02:16:53 AM
Post by: Phryne on January 19, 2018, 03:55:40 AM
I signed up for the ANZ Black Rewards card about two years ago and got the bonus 75000 QFF, then cancelled it before the fee was due about a year ago. I'm looking around for a new card and I see this offer is available again (or still?). Has anyone had one of these cards, cancelled and then applied for it again? I don't want to apply if it will be rejected because I previously had one, and then get a black mark on my rating.
Absolutely, but you have to wait 12 months before you reapply.
Post by: Shaz_Au on February 13, 2018, 06:07:27 PM
StrongMoneyAustralia has secured the following deal with Ratesetter:
"RateSetter have offered my readers a $100 bonus when they signup and invest $1000 in the 1 year market (or longer)."
You need to sign up via the link on his website: https://www.strongmoneyaustralia.com/ (https://www.strongmoneyaustralia.com/)
Don't forget to check out the rest of his blog while you are there.
Post by: mrcheese on March 01, 2018, 09:51:47 PM
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
Post by: Fresh Bread on March 01, 2018, 09:58:23 PM
Here is my personal $75 Ratesetter Bonus link (not a blog):
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
I got a referral code too but I can't think of a single IRL friend to offer it to which is a bit sad, eh?
Post by: mrcheese on March 02, 2018, 12:59:13 AM
Here is my personal $75 Ratesetter Bonus link (not a blog):
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
I got a referral code too but I can't think of a single IRL friend to offer it to which is a bit sad, eh?
I hear ya. I tried to offer it around IRL last time but the very idea of having some spare cash lying around to even contemplate investing was just too weird for most people I know...
Post by: Phryne on March 02, 2018, 01:40:57 AM
Here is my personal $75 Ratesetter Bonus link (not a blog):
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
Have you got an AMEX? Or held one in the last 18 months? If not, the Explorer is great- this referral code will get you 100,000 MR points which can be transferred as 75,000 velocity points or (better yet, depending on where you want to go) 75,000 Krisflyer (Singapore airlines) points. I get 30,000 points if you use the link. Cost is $395, but the card comes with a $400 travel credit- easy to use and worth a real $400, not some inflated credit which is really only worth half that.
http://amex.com.au/refer/chrisctbkz?CPID=100199911
Down side- we have used our points to get to Europe to visit family, but are currently trapped in the big freeze!
Feel free to PM me with any questions- I churned 8 credit cards last year so have experience with most of them!!
Post by: mrcheese on March 09, 2018, 12:42:44 AM
Quote
Have you got an AMEX? Or held one in the last 18 months?I am counting down until it has been 18 months since I cancelled the last one (which I got via a referral code from another forum user) so thanks for the new link, I'll check it out.
Post by: Phryne on March 10, 2018, 12:28:21 PM
QuoteHave you got an AMEX? Or held one in the last 18 months?I am counting down until it has been 18 months since I cancelled the last one (which I got via a referral code from another forum user) so thanks for the new link, I'll check it out.
Yup. The 18 months is paaaaainful!
Post by: chouchouu on March 12, 2018, 02:40:01 AM
Post by: JLR on March 15, 2018, 05:41:27 PM
Post by: Phryne on May 06, 2018, 06:40:08 PM
Post by: cakie on May 11, 2018, 12:06:44 AM
Have 1 card currently, no fees, good travel insurance (Westpac) but i should prob try to replenish my qantas points. They are particularly useful for me compared to other reward programs. Anyone have a recommendation?
PS Awesome handle Phryne! I actually found the ERE website back in the day because I was trying to find out how much I would need to be financially independent like her... :P
Post by: Phryne on May 15, 2018, 03:44:22 AM
Useful thread, good idea. I haven't done any research in a while.
Have 1 card currently, no fees, good travel insurance (Westpac) but i should prob try to replenish my qantas points. They are particularly useful for me compared to other reward programs. Anyone have a recommendation?
PS Awesome handle Phryne! I actually found the ERE website back in the day because I was trying to find out how much I would need to be financially independent like her... :P
Ha! I love those books! The TV series was good, but the books better.
QFF point-wise, check out the ANZ QFF black: 75,000 points & $0 for the first year. The Qantas Premier used to be good, but they’ve raised the points slightly - 2x 40,000 - but jacked up the annual fee to $300 (and it’s offered by Citibank, which is risky customer service wise!)
I never use credit card travel insurance, (I always buy a policy cause I flip cards so often) so can’t help there sorry.
Lastly, am always interested to discuss the benefits of different FF programs. I use both, but find QFF far more expensive & difficult to use.
Post by: Eucalyptus on May 16, 2018, 06:16:23 AM
Useful thread, good idea. I haven't done any research in a while.
Have 1 card currently, no fees, good travel insurance (Westpac) but i should prob try to replenish my qantas points. They are particularly useful for me compared to other reward programs. Anyone have a recommendation?
I did the ANZ Black card and got the 75,000 points, but they would not budge on the annual fee at renewal time, so I cancelled. That was around two years ago so I could re-apply, but I have FIREd now and with no income I don't think I'd meet the criteria!
I am currently using Qantas Cash. This is the MasterCard that is printed on the back of your Frequent Flyer card. The idea is to load it up with overseas currencies, but I just put $A on it and use it as a normal credit card. This is a debit card which may or may not work for you in that you have to be organised and make sure the cash is loaded on the card before you use it. There are no annual fees. You get one QFF point for every $4 spent which is not great but better than nothing.
You can also double-up by using this card at Woolies and converting their rewards points to QFF (although I prefer the cash back).
I think the ANZ Black requires an annual income of 70-80k, from memory. I qualified to get it in December, but I'm out of contract now. I aim to get something else in December with no annual fee and delete the ANZ black. The 75,000 pts and 1pt/$ is pretty good!
My income will likely be lower when I do in December. Hopefully I can find something that still has some bonus points and at least 1pt/$2.
I use my woolworths card for QFF points. I just did the "buy something at each of Woolworths, BWS, Woolworths Petrol" thing. I did a normal (Moustachian!) shop at Woolies, bought a $1.25 snack at BWS, and put 5L in my car. Bingo, 3000 points! Which equates to about 1300 qantas points. The only thing I wouldn't have bought was the 1.25 snack from BWS, so that 1300 QFF cost 1.25. Given that 70,000 points gets me return to Tokyo (~$700) that's a great deal.
Post by: Phryne on May 16, 2018, 09:06:38 PM
Useful thread, good idea. I haven't done any research in a while.
Have 1 card currently, no fees, good travel insurance (Westpac) but i should prob try to replenish my qantas points. They are particularly useful for me compared to other reward programs. Anyone have a recommendation?
I did the ANZ Black card and got the 75,000 points, but they would not budge on the annual fee at renewal time, so I cancelled. That was around two years ago so I could re-apply, but I have FIREd now and with no income I don't think I'd meet the criteria!
I am currently using Qantas Cash. This is the MasterCard that is printed on the back of your Frequent Flyer card. The idea is to load it up with overseas currencies, but I just put $A on it and use it as a normal credit card. This is a debit card which may or may not work for you in that you have to be organised and make sure the cash is loaded on the card before you use it. There are no annual fees. You get one QFF point for every $4 spent which is not great but better than nothing.
You can also double-up by using this card at Woolies and converting their rewards points to QFF (although I prefer the cash back).
I see the challenge in churning credit cards the only detriment to ER!
In addition to our $$ stache, I also intend finishing work with FF trips booked for the next 11 months & a points balance of around 1 million (risky, I know, because you never know when a devaluation is coming!)
Post by: Eucalyptus on May 16, 2018, 09:57:15 PM
I see the challenge in churning credit cards the only detriment to ER!
In addition to our $$ stache, I also intend finishing work with FF trips booked for the next 11 months & a points balance of around 1 million (risky, I know, because you never know when a devaluation is coming!)
I'm also hoping for a decent FF points stash by the time I retire. Enough for a few long haul trips or more.
I wish they acrued interest or grew!
I mean, yeah they can be devalued, but, they seem to mostly only lose their value with indexation ;-p So not under pressure from the same financial shock events as the rest of our stashes, hopefully :-) :-) :-)
Post by: Phryne on May 17, 2018, 02:06:49 AM
I see the challenge in churning credit cards the only detriment to ER!
In addition to our $$ stache, I also intend finishing work with FF trips booked for the next 11 months & a points balance of around 1 million (risky, I know, because you never know when a devaluation is coming!)
I'm also hoping for a decent FF points stash by the time I retire. Enough for a few long haul trips or more.
I wish they acrued interest or grew!
I mean, yeah they can be devalued, but, they seem to mostly only lose their value with indexation ;-p So not under pressure from the same financial shock events as the rest of our stashes, hopefully :-) :-) :-)
Ha! And compulsory saving when reward availability is rubbish!!
Post by: kiwiozearlyretirement on May 17, 2018, 10:17:15 AM
Here is my personal $75 Ratesetter Bonus link (not a blog):
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
Have you got an AMEX? Or held one in the last 18 months? If not, the Explorer is great- this referral code will get you 100,000 MR points which can be transferred as 75,000 velocity points or (better yet, depending on where you want to go) 75,000 Krisflyer (Singapore airlines) points. I get 30,000 points if you use the link. Cost is $395, but the card comes with a $400 travel credit- easy to use and worth a real $400, not some inflated credit which is really only worth half that.
http://amex.com.au/refer/chrisctbkz?CPID=100199911
Down side- we have used our points to get to Europe to visit family, but are currently trapped in the big freeze!
Feel free to PM me with any questions- I churned 8 credit cards last year so have experience with most of them!!
I checked out the referral code and it is only giving you 60000 MR points now. Am I doing something wrong?
Post by: Phryne on May 18, 2018, 05:56:10 PM
Here is my personal $75 Ratesetter Bonus link (not a blog):
https://www.ratesetter.com.au/lnk/xwpr9yp
has anyone got a good credit card referral code? I like the ones with velocity points - haven't had to pay for a flight to see my folks for a couple of years now.
Have you got an AMEX? Or held one in the last 18 months? If not, the Explorer is great- this referral code will get you 100,000 MR points which can be transferred as 75,000 velocity points or (better yet, depending on where you want to go) 75,000 Krisflyer (Singapore airlines) points. I get 30,000 points if you use the link. Cost is $395, but the card comes with a $400 travel credit- easy to use and worth a real $400, not some inflated credit which is really only worth half that.
http://amex.com.au/refer/chrisctbkz?CPID=100199911
Down side- we have used our points to get to Europe to visit family, but are currently trapped in the big freeze!
Feel free to PM me with any questions- I churned 8 credit cards last year so have experience with most of them!!
I checked out the referral code and it is only giving you 60000 MR points now. Am I doing something wrong?
No you’re not- the earlier promo appears to have finished & it’s dropped to 50,000 points for the regular offer & 60,000 with the referral :-(
Post by: Grogounet on May 26, 2018, 11:36:22 PM
checking for my next cc and will most likely turn to the $0 annual fee with amex
any offers catching your eyes recently for velocity points?
Post by: potm on June 01, 2018, 11:31:34 PM
bonjour everyone
checking for my next cc and will most likely turn to the $0 annual fee with amex
any offers catching your eyes recently for velocity points?
If you have not had an amex in the last 18 months I wouldn't sign up for the $0 annual fee ones. You're much better off waiting for a 100k point bonus. They are only offering 50k at the moment but the Amex Velocity card will often offer 100k Velocity points.
Post by: Grogounet on June 02, 2018, 03:54:16 AM
all bonus points come usually with an annual premium unfortuntely
i have taken the amex until i found a good offer
Post by: potm on June 02, 2018, 05:14:35 AM
This is direct issue amex cards, not bank ones.
Post by: Phryne on June 06, 2018, 05:43:12 AM
thanks
all bonus points come usually with an annual premium unfortuntely
i have taken the amex until i found a good offer
ANZ are good for no annual fee in the first year - they have different cards which support either velocity or qantas points.
And if you travel, Virgin Money has a first year annual fee that’s about half of the $129 Virgin Australia voucher that comes with the card.
Post by: Grogounet on June 06, 2018, 05:56:50 AM
But, now have to wait another 12 months until I can do this again.. :)))
Post by: Phryne on June 07, 2018, 03:21:28 AM
Indeed, these are good, I have taken both of them earlier this year !
But, now have to wait another 12 months until I can do this again.. :)))
Noooo......there’s no waiting period for the virgin money card! I’ve had it 3 times now and each time there was less than a month between cancellation & reapplying. I did jump from the flyer to the high flyer (that minimum spend was stressful, PM me if you need some help;-)) and am now back to the flyer.
Post by: Grogounet on June 07, 2018, 03:32:20 AM
Post by: Grogounet on June 14, 2018, 07:34:20 PM
$50 Woolworths eGiftcard
Earn up to 3 Woolworths Points per $1 spent
$0 annual fee (for the first year)
https://cards.woolworths.com.au/offers/mozo.html?irgwc=1&cvosrc=affiliate.impactradius.464502&cvo_campaign=
ING Orange Everyday
ING
$75 cash back
No account fees or international transaction fees
No ATM fees in Australia or overseas
https://campaigns.ing.com.au/75BonusOffer?code=MY75&cid=aff:4163292:217756113:96182909:AUINGDOE2018:AMsySZYUSYIv5Jx4hfcad4e6HTRL
Post by: Eucalyptus on June 15, 2018, 12:06:28 AM
The woolworths points convert to qantas...2000WW gets you 870QFF. So a bit better than $1 per point for a free card plus the giftcard is good if your income is low.
The ING looks quite interesting with the international lack of fees... though the conditions are a bit annoying mainly with the 5 purchases per month, mainly as it precludes using CC for points. Though I suppose one could just put through a few individual transactions at the supermarket in self checkout with cheap items (one carrot per transaction?). Haha.
Post by: Eucalyptus on June 15, 2018, 12:08:38 AM
Ie say:
Have ANZ CC with $5k.
Decide to postpone it 12 months. Get
Bank XYZ Balance Transfer card with 0% 12 months off (no fees).
Then get
Bank ABC Balance Transfer card with 0% 24 months (1% fee on balance transfer)
? Does this work?
Post by: potm on June 15, 2018, 03:46:06 AM
Post by: chasingthegoodlife on June 15, 2018, 03:49:45 PM
I am looking at domestic flights, using the search tool on the ANZ rewards site.
Any tips? Is the discount more for international flights?
Post by: Grogounet on June 15, 2018, 10:16:25 PM
the minute you spend on something you didn t plan it s not worth. unless for the anz which is 100% free and other rare, you still have to spend a few bucks to get the card.
a good link for flights: pointhacks.com with full tutorial
Post by: potm on June 15, 2018, 10:25:54 PM
The exception is in peak periods or on routes with little competition and high prices.
Post by: chasingthegoodlife on June 16, 2018, 03:49:21 PM
Post by: chasingthegoodlife on July 10, 2018, 03:16:23 PM
You don’t need to switch, just search. Free money for something you should be doing every now and then anyway!
Post by: Fresh Bread on July 19, 2018, 02:16:04 AM
Post by: middo on July 19, 2018, 10:11:24 PM
Victorians can get a $50 rebate for comparing their energy on the government’s comparison site https://compare.energy.vic.gov.au/
You don’t need to switch, just search. Free money for something you should be doing every now and then anyway!
I had a look, because we are going to be users of Victorian energy in about 3 weeks time. The site gave us the best deals for electricity and gas based on our projections of usage, but I didn't see any rebate offer come up. Does anyone know if it is just for those that are current users, or am I doing it wrong?
Post by: sanderh on July 19, 2018, 10:15:28 PM
Edit: I didn't look at the date on the post. The referral bonus may not be there any more, but a $75 sign-up bonus is.
Can I share a referral bonus?
Will delete if not allowed
Free $100 for you and me if you sign up for an ING bank account using referral code CIY527
- when opening a new orange every day account and depositing at least $1000 per calendar month within any month before 28/02/2018
- And opening a savings maximiser account by 28/02/2018
- And using their card to make 5 or more purchases
As an added bonus no international transaction fees when using the card overseas and no ATM fees worldwide
Post by: deborah on July 19, 2018, 11:21:10 PM
Did it yesterday. Big notice on the top of the front page. Put in data. Big notice in orange on the top of the page where you get the rebate.Victorians can get a $50 rebate for comparing their energy on the government’s comparison site https://compare.energy.vic.gov.au/
You don’t need to switch, just search. Free money for something you should be doing every now and then anyway!
I had a look, because we are going to be users of Victorian energy in about 3 weeks time. The site gave us the best deals for electricity and gas based on our projections of usage, but I didn't see any rebate offer come up. Does anyone know if it is just for those that are current users, or am I doing it wrong?
Post by: Grogounet on August 09, 2018, 12:23:24 AM
Annual fee waived
BOOOM
https://www.westpac.com.au/personal-banking/credit-cards/reward/
Post by: marty998 on August 09, 2018, 02:52:36 AM
Westpac - 120k points possible
Annual fee waived
BOOOM
https://www.westpac.com.au/personal-banking/credit-cards/reward/
Oh fuck yes!
Now I just need to come up with $6,000 of expenses to put on the card in three months!
Post by: marty998 on August 09, 2018, 03:03:08 AM
Westpac - 120k points possible
Annual fee waived
BOOOM
https://www.westpac.com.au/personal-banking/credit-cards/reward/
Oh fuck yes!
Now I just need to come up with $6,000 of expenses to put on the card in three months!
Ahh hang on a minute... I see they are waiving the fee for the Amex, but not on the MasterCard/Visa? Still have to pay $250 + $50 to link it to Qantas FF points... have I got that right?
Post by: Eucalyptus on August 10, 2018, 08:47:56 PM
Post by: Grogounet on August 10, 2018, 09:12:35 PM
$0 fee and 60k points on the same link
Post by: Phryne on August 26, 2018, 08:17:24 PM
Westpac - 120k points possible
Annual fee waived
BOOOM
https://www.westpac.com.au/personal-banking/credit-cards/reward/
Ooh, and I see the offer has been extended till late November! Sensational, cause I’m on the 12 month ban from the last time I had one till Sept 30th.
Great news!!
Post by: middo on September 10, 2018, 07:58:51 PM
Did it yesterday. Big notice on the top of the front page. Put in data. Big notice in orange on the top of the page where you get the rebate.Victorians can get a $50 rebate for comparing their energy on the government’s comparison site https://compare.energy.vic.gov.au/
You don’t need to switch, just search. Free money for something you should be doing every now and then anyway!
I had a look, because we are going to be users of Victorian energy in about 3 weeks time. The site gave us the best deals for electricity and gas based on our projections of usage, but I didn't see any rebate offer come up. Does anyone know if it is just for those that are current users, or am I doing it wrong?
I did this today as I got my first Victorian power and gas bill. Just a reminder to everyone else to get your free $50
Post by: middo on September 11, 2018, 08:02:58 PM
Westpac - 120k points possible
Annual fee waived
BOOOM
https://www.westpac.com.au/personal-banking/credit-cards/reward/
Feeling a little out-of-touch here, but what do you do with the points. I was thinking of signing up for one of these as we will hit the expenses required easily in the next few months. (House rebuild under way) Where can I use 120,000 points? Can I redeem them for cash? Can I use them for flights?
Post by: chasingthegoodlife on September 12, 2018, 06:50:04 PM
Post by: middo on September 12, 2018, 08:41:13 PM
I was able to redeem mine for Coles gift vouchers, which to me are cash equivalent)I redirect my grocery budget to whatever I want the money for).
Ah. That makes sense then. I will look further into it. Haven't had a credit card for, well, forever.
Post by: lush on September 17, 2018, 05:57:45 PM
I signed up for the ANZ Black Rewards card about two years ago and got the bonus 75000 QFF, then cancelled it before the fee was due about a year ago. I'm looking around for a new card and I see this offer is available again (or still?). Has anyone had one of these cards, cancelled and then applied for it again? I don't want to apply if it will be rejected because I previously had one, and then get a black mark on my rating.
Hi Ozbeach, I am curious about how you got away with cancelling the card and not pay the annual fee but used the bonus points. I would have thought that would not be ok? In other words they would still charge you the annual fee upon cancellation. Thanks.
Post by: nnls on September 17, 2018, 06:16:14 PM
I signed up for the ANZ Black Rewards card about two years ago and got the bonus 75000 QFF, then cancelled it before the fee was due about a year ago. I'm looking around for a new card and I see this offer is available again (or still?). Has anyone had one of these cards, cancelled and then applied for it again? I don't want to apply if it will be rejected because I previously had one, and then get a black mark on my rating.
Hi Ozbeach, I am curious about how you got away with cancelling the card and not pay the annual fee but used the bonus points. I would have thought that would not be ok? In other words they would still charge you the annual fee upon cancellation. Thanks.
I think ozbeach means the annual fee for the next year. They often have the offer with no annual fee for the first year
Post by: lush on September 18, 2018, 04:40:50 PM
Exactly right -- the first year was fee-free, and the QFF points were credited after spending the required amount in the first three months. I called and cancelled in month ten before the next year's annual fee was charged.I signed up for the ANZ Black Rewards card about two years ago and got the bonus 75000 QFF, then cancelled it before the fee was due about a year ago. I'm looking around for a new card and I see this offer is available again (or still?). Has anyone had one of these cards, cancelled and then applied for it again? I don't want to apply if it will be rejected because I previously had one, and then get a black mark on my rating.
Hi Ozbeach, I am curious about how you got away with cancelling the card and not pay the annual fee but used the bonus points. I would have thought that would not be ok? In other words they would still charge you the annual fee upon cancellation. Thanks.
I think ozbeach means the annual fee for the next year. They often have the offer with no annual fee for the first year
Ok - thanks!
Post by: chasingthegoodlife on September 25, 2018, 03:26:33 PM
Overall worth it, but I would have been more impressed with the ROI if I hadn't of had to attend a branch for the ID check.
Thinking about the Westpac Platinum next - no annual fee with 60k points equivalent to $250 Mastercard gift cards.
Post by: Fresh Bread on October 24, 2018, 02:54:22 AM
Post by: Eucalyptus on November 14, 2018, 06:54:53 PM
I'm currently on the ANZ Black, and have about a month to cancel it and get a new card.
Any tips on cards for students on Austudy, with basically no fee, but still earning some QFF or Virgin points?
Post by: Eucalyptus on November 17, 2018, 08:46:25 PM
I'm headed back to Uni next year (and unemployed at the moment...about to start casual work as a carer) to do a Masters in Nursing.
I'm currently on the ANZ Black, and have about a month to cancel it and get a new card.
Any tips on cards for students on Austudy, with basically no fee, but still earning some QFF or Virgin points?
I'm using a Qantas Cash mastercard. It's intended for when you travel - you preload in a nominated currency before you go overseas. But, you can load it with AU$ and use it here. You get 1 QFF point for every $4 spent, so it's not brilliant; but there are no fees or charges. It is a debit card though, not credit, so you have to be vigilant in keeping it topped up.
Hmm, good to know about that. I'm more keen on a credit card; I have a mortgage so it helps offset some interest
Post by: annapana on December 09, 2018, 02:21:38 PM
Post by: Eucalyptus on December 10, 2018, 04:50:35 PM
Hi - looking to get a new credit card for bonus points - has anyone applied for a credit card with bonus points recently that I should consider ?
Check out creditcardcompare . com .au
They have excellent search tools in which you can choose which points scheme you prefer. Qantas and Virgin and generally the two most useful and with the best cards available to them from banks. Generally, you probably want to stick to Visa or Mastercard rather than Amex .... Moustachian people aren't likely to use Amex that much (not accepted everywhere).
Post by: Luckyvik on December 25, 2018, 10:42:21 PM
Sent from my Pixel 2 using Tapatalk
Post by: Fresh Bread on April 01, 2019, 07:03:31 PM
Post by: potm on April 02, 2019, 07:06:11 PM
Post by: marty998 on April 17, 2019, 03:53:49 AM
Fully approved in 3 hours, not bad service at all.
Post by: marty998 on July 28, 2019, 07:26:15 PM
Just signed up for the St George 80,000 Qantas Frequent Flyer points offer. Seemed a good deal for the $179 fee. Better than their stablemate Westpac was offering for a $250 fee.
Fully approved in 3 hours, not bad service at all.
Where the hell is the smack my stupid head emoji?
Ok... so I paid an instalment towards my holiday on this card. Thinking in my mind I've met the minimum $4,000 spend....
I thought wrong.
I put it through as a BPAY transaction, which is excluded from earning FF points.
Called up the Bank, they said its excluded because the interchange fee is lower on BPAY transactions, so VISA won't give the points. Ignoring the fact Flight Centre charged me an additional merchant fee for the privilege of paying by credit card....
To be fair, the exclusion was quite clear in the fine print.
If you take a close look at the date of the post above, it is just more than 90 days, which means that I'm outside the period to correct my stuffup by paying another instalment.
So to sum up, FFS, I'm out $179 on the card, I've got no Frequent Flyer points out of this, and I took a hit to my credit score.
Read the damn fine print lol.
Post by: nnls on July 28, 2019, 07:47:36 PM
I have just signed up to the commonwealth platinum diamonds card, need to spend $6000 by October 31, will make sure I go through all the fine print.
Where are you going on holiday?
Post by: marty998 on July 28, 2019, 07:55:40 PM
Totally unmustachian.... but definitely going to be worth it.
Post by: nnls on July 28, 2019, 08:46:24 PM
I went to Peru and Bolivia last year and they were amazing. I did struggle with the altitude a bit, but had a great time
Post by: marty998 on July 28, 2019, 09:14:27 PM
nice! I am going to Argentina, Antarctica and Chile in January (super unmustachian also but hopefully totally worth it) I have two weeks left at the end of the trip and trying to work out if I go to the Galapagos or somewhere a bit cheaper like Brazil or just explore a bit more of Chile
I went to Peru and Bolivia last year and they were amazing. I did struggle with the altitude a bit, but had a great time
Oh I'm sad to be missing those three (A, A and C).... the work schedule won't permit me taking any extra time though, and I get a bit antsy travelling any more than about 3 weeks.
Noted on the altitude, I've been given some good advice already on that.
Post by: nnls on July 28, 2019, 09:38:15 PM
Post by: deborah on July 28, 2019, 10:52:07 PM
Post by: nnls on July 28, 2019, 10:53:28 PM
I had trouble with altitude in USA and Ecuador. I don't think I'll go to Machu Picchu. Pity, but there it is.
Machu Picchu wasnt too bad, its not that high, Cusco was the issue for me, and then the trek up to Salkantay
Post by: marty998 on July 29, 2019, 12:44:42 AM
Aren't the Bolivia salt flats higher than Peru and Ecuador?
Post by: nnls on July 29, 2019, 12:54:23 AM
So I went up to about 4600m, the salt flats and La Paz are about 3600m, and I think Cusco town was about 3400m. Copacabana at lake Titicacca was about 3800m.
So I felt unwell in Cusco, but Machu Picchu is lower (about 2500m) so I felt a bit better there
Post by: marty998 on July 29, 2019, 01:07:06 AM
Long way to fall down the mountain if you lose your footing :)
Post by: nnls on July 29, 2019, 02:23:48 AM
Love how they just casually drop in there that the Salkantay summit at 6,271m is only the 38th highest peak in the Andes.
Long way to fall down the mountain if you lose your footing :)
It was a pretty steady climb, not too steep. But just a struggle with the lack of oxygen
Post by: mustachepungoeshere on July 30, 2019, 08:43:49 PM
I'm off to South America at the end of this year. Galapagos, Peru and Bolivia.
Totally unmustachian.... but definitely going to be worth it.
Take me with you?
Post by: marty998 on July 31, 2019, 03:03:12 PM
I'm off to South America at the end of this year. Galapagos, Peru and Bolivia.
Totally unmustachian.... but definitely going to be worth it.
Take me with you?
Hey I'm not the one with a bajillion frequent flyer points :D
Post by: alsoknownasDean on June 28, 2020, 05:21:22 AM
Obviously the airline FF schemes are an interesting one given the situation with them.
Even the Coles cards?
Post by: Television on July 06, 2020, 11:34:32 PM
I've been holding off on the credit card game (didn't want to trash my credit when I was about to get a mortgage), but is there anything worthwhile out there at the moment?
Obviously the airline FF schemes are an interesting one given the situation with them.
Even the Coles cards?
I'm by no means an expert on these things, so take my advice with a grain of salt.
I've got about 600k QANTAS points now, and I think soon enough I'll have the amount required for 2 x round the world tickets in business class. There's been a bit of faffing about, and I've just been plugging away at it for over 4 years, but for something which I think has cost me relatively little, it's worth it for a "once in a lifetime" experience.
I took card offers that came with my mortgage (so no fee), or had a heavy fee rebate, so I think all up I've probably paid about $700 in CC fees? But again, comparing that to the cost of those flights, pales in comparison.
@potm is quite astute at it, from reading their journal.
Post by: nofriends on July 11, 2020, 04:39:35 AM
I've been holding off on the credit card game (didn't want to trash my credit when I was about to get a mortgage), but is there anything worthwhile out there at the moment?
Anz QFF Platinum is the best one at the moment afaik, 60k qantas points and no annual fee for the 1st year.
Quick turnaround too with anz, 7 business days from applying to card received and that's with additional docs requested by the [offshore] credit assessment team
Post by: chasingthegoodlife on February 19, 2021, 05:41:55 AM
https://www1.citibank.com.au/credit-cards/citi-rewards-bonus-points?intcid=Homepage-HeroCreative-Rewards-BP-90M-GiftCard
Allegedly $500 of gift cards for $50 annual fee, so $900 up for us as a household.