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How is it free if there is an application fee?

With IHG, points&cash rates are not related to the cash rates but only to the points rates. When you book a points&cash rate, you immediately purchase the excess points needed, at a rate of around 0.6 US cents each, then make a normal award booking. You can't refund the points that you...

What is their reasoning for not wanting to ban surcharges online? You can't use cash or eftpos online. Does NZ still do POLI and want to encourage insecure payments?

Was the hotel fully occupied? I've had presidential suites a few times but only because every other room was full and I had the highest status including some internal metric out of everyone staying that night.

Assuming this refers to Aus, if merchants are paying 0.8% on average, why are hotels and restaurants charging us 2%?

Interchange is the fee that the merchant's bank pays to the customer's bank. It is not the fee that merchants pay to accept cards. In the UK interchange on credit cards is limited to 0.3%, but merchants can still be paying transaction fees of 1-2%, just like in Australia. In the UK Amex can be...

No

QF has to treat all other OW members the same and can only give additional benefits to QF elites - which is, after all, what QR is doing

OWS doesn't get you into most QR J lounges. You need to be in J

All I said was that they are probably directly losing money on every transaction. Obviously they hope to make money back from customers taking out other products with them, so the cashback functions as a marketing expense, and customers holding money in the transaction account contributes...

A debit card transaction occurs at a single point in time, while NMI is an annualised figure, so comparing the percentages is meaningless.

I just want the advertised price to be the maximum I can be asked to pay. If a business tells me something is $10, I don't want to find out I am getting charged $10.15. And it is getting more and more common for merchants to not even tell you what the surcharge might be until after you have...

Luton Airport is quite close to Luton... some people walk it because they don't want to pay the rip-off £4.90 fare for the people mover, only to discover that the road is uphill. Tallinn Airport is quite close too, I walked to the city when I arrived there.

Given the higher conversion rate, might it make sense for an Aus resident to use an NZ ER card? You would of course have an Aus ER card for the boosts here, but the NZ card would earn more on base spending that doesn't qualify for any boosts (on your Aus card). I guess it means you would need...

Well e-visas have only been around for 6 years or so :) I recall having to position by the correct door of the bus (always landed at a bus gate at the old airport) and then sprint to the visa desk as soon as the doors opened, 5 rial note in hand otherwise it would be a lengthy wait...

Interesting, my QFF and other FFPs have only my first name and surname. Sometimes I have flight tickets with my middle name and they have always credited ok

I'm a bit confused by this post. Aus citizens don't need a visa to visit Oman for up to 14 days. I went in October 2024 and did not need to do anything in advance.

There are three jurisdictions for parking in the UK - England & Wales, Scotland and Northern Ireland. The DVLA registers cars in EW&S and the DVA does that for NI. The DVLA does not have information about a vehicle's owner, only the "registered keeper" who may not be the owner. Anybody can...

From what I can see Cash Passport charges A$3.50 per withdrawal? And Cash Passport's exchange rates are 2.5% worse than Wise, so even if Wise had no free withdrawals you would still be better off paying the Wise ATM fee of A$1.50 + 1.75%. I believe both Wise and Cash Passport are regarded as...

Perhaps, but in my case I was stopped because I had no luggage (and maybe an incorrect assumption based on my looks). She thought I had missed the luggage belt and tried to redirect me back, even as another guy in a suit carrying only a briefcase was not stopped; then she assumed I had arrived...