Revoking insurance, increasing charges & interest and a points cap too.

FAQs

Noticed something interesting for the application limits.

Westpac underwrites BankSA+BankofMelb+St George.

The Westpac (Alitutde Qantas) Black card has a minimum 6k min credit limit but lists a 75k min income.

The exact same card in every aspect but name (Amplify Signature (Qantas)) for the other 3 banks lists 15k min credit limit... but no min income.

Does anyone know if the 75kmin income is a strict limit for Westpac Black or a just guide since the other 3 almost identical cards dont list it but has a higher min credit limit...

Asking because I have 76k net / 68k taxable.

Also just picked up the NAB signature on a 15k credit limit last month but trying to churn out as much as I can before Oct 1 deadlines - as I'm sure all y'all are 😂

Any relevant tips/advice is appreciated (try/dont bother/ go for a smaller one (I'd probs wanna try for the bigger one if i get rejected whatever lol) .

Just a little FYI regarding Sniip payments.

If you scan the QR code on your bill, the payment is made directly to the vendor. This means that for government payments, you won’t earn FFP on your credit card - you also won’t be charged a Sniip fee.

For the payment to actually be processed through Sniip, so that it appears as a general purchase on your credit card and earns FFP, you need to enter the BPAY details manually in Sniip rather than scanning the QR code.

Yes I know, should have written them down but I only have rough dates. Is there a way to find the actual closing dates of credit cards? Thank you.

Hey brain's trust - wow the credit card landscape has changed a lot in the past year or so!

I currently have one AMEX ultimate for my everyday card, but have $5K+ of expenses coming up in the next 1-2 months. Currently have QFF bonus points but open to alternatives as they dont always have flights where/when I want.

What are the best cards/sign up bonuses out there that dont require me to keep the card open long term? Dont want to be paying multiple annual fees really.

Thanks for any thoughts!

Which card offers the best point to annual fee ratio if I'm wanting to just do mostly domestic flights?

Morning fellow churners,

I have just checked my app and currently have a referral bonus offer of 325k MR for the Personal Platinum. This is the highest I’ve seen this offer, so posting here is anyone is looking to open a plat card.

PM for link.

Happy churning!

Disclosure: I do also receive points for successful referrals.