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perhaps because you implied you had no current cards? and no, credit limit increases usually don't show up as credit applications (but it doesn't matter, we'll have the new system in < 6 months anyway).

well, it is unsurprising, since Amex charges merchants more. it's unfortunate, but the reason Amex cards often earn more points or have better perks is because the merchant is picking up the tab.

sure they do: Citibank Australia

yes, on their rewards page. https://citibank.com.au/AUGCB/ICARD/condyn/getEntry.do?file=ripper_content/travel_catalogue&layout=success

pretty much everyone in the UK seemed to require signatures for chip'd Australian cards - even Starbucks!

and pay the $49 fee, yes.

bonus marks for anyone that gets both a statement credit and an online discount.

seems https://www.membergiftcards.com.au/Woolworths-Money/Home- is the place to go - linked from the ridiculous scrolling marque on the woolworths money homepage.

yes, the info sheet that came with the card explicitly says $0.

note: still no "declines" on Australian credit records.

another thing worth remembering is that $1000/month or so means a return of only ~$120 in points per year. you'd make more by buying one coffee per week less and not paying an annual fee for a rewards card.

it's possible, but the website says $30k...

you're correct - I mixed up Select and Signature.

well, if you're doing a lot of overseas spending, you're wasting enormous amounts of money in forex fees using this card. Bankwest Platinum Qantas has no forex fees and 1QFF:$1.

It's Citibank, it's always a personal decision of "is this product worth the time they'll make me waste". For most things, no, but for this and Citibank Plus, it's a pretty convincing case.

note that the max initial limit for Select is $30k, which you'll go through 17 times in a month. even at the max limit ($100k), that's 5 charge/bpay cycles. maybe citibank will go above for $100k for super big spenders with flawless payment histories? ps don't forget to see if they'll waive...

well, it is beaten by the Bankwest Platinum Zero, but is still a very good card. [/COLOR]

outstanding for the month or that you're paying interest on? if paying interest, any rewards card is a bad idea.

nope, no guests, you'll be charged $27 for even the first one. as would anyone, of course, but it seems unlikely - it's their only "premium" card left. perhaps in a few years when it's been supplanted with a Visa Infinite card or something.

yes. etc etc.