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Seems like those interpretations are not correct. So I just called Allianz a few minutes ago, and asked them if "return overseas travel ticket means an air or cruise ticket departing from and returning to Australia" means both must be on one ticket because of the word "AN", or OK if on separate...

This is what I do, that's why I'm so quick with the post above. LOL I have a spreadsheet, which compares the insurance from my AmEx Reserve, AmEx Edge, AmEx Gold charge, Citi Signature, Bankwest Platinum, plus my 2 churning cards from Suncorp and NAB. This is also why I don't rely on Bankwest...

I have had this Citi card since 2006 November, as it transformed from one card type to another in the past 20 years. I think Pay All had given me more SQ miles than I have ever deserved. They have doubled their spouse benefit from $25 to $50k, they have increased their rental car benefit from...

I disagree with this assessment at this stage. Um, like, who cares? If I spend $10000 every month, and it's 10 days difference, Australian Unity Freedom Saver is offering 4.85% unconditional, that's like $13 a month difference? Is my calculation correct? 1: Which other credit card in...

When you don't want to pee? (Did you know that alcohol makes you pee?) I now drink 0% at gigs and festivals. Since I started drinking 0%, I can now stay in the mosh pit for the whole night, that means, go to the toilet at sunset, then stay in the mosh pit until midnight. Before I started...

Seems like no one is mentioning this promotion? From 1 March 2025 to 31 March 2025, HSBC Star Alliance cardholders will receive 25% bonus miles when transferring Star Alliance points to KrisFlyer miles.

I think you may had missed the English prompt? I remember trying many banks only 18 months ago, and I didn't have problem with language.

Still a lunch room in a warehouse / factory in Dandenong feel. Well, except the bright colour sofas 😆

Citi or NAB Partners do cards for many. Coles is one.

Be careful when you use Bunnings gift cards. We all know that Bunnings have a very generous refund policy for change of mind situations. You can basically return anything. If you buy something with gift cards, take the item home, and it doesn't fit or turned out to not to your liking, you are...

You are correct, I take that back for this promo. I have done a calculation before, and from what I remember, what I said would have applied to those with purchase fees, like Visa MasterCard.

For JB and Bad Guys, I would rather use API (Reward Gateway) and get 5% off (and 0% surcharge for Citi credit cards) upfront, than 10x Woolworths points.

Since I think airlines should play something meaningful, like representative of the flag they are flying for, so I guess, Virgin Atlantic should be playing, right now in the month of Feb, like this?! This. They should play music which is meaningful. So for example, Cathay Pacific could be...

My account has Country = Australia This is what it says when I tried to place an order: Order summary Virgin Points 200,000 70% bonus Virgin Points 140,000 Total Virgin Points 340,000 Cost of Virgin Points GBP£ 3,000.00 Handling Fee GBP£ 15.00 Total cost GBP£ 3,015.00 Nah. I think the...

Boarding music? What is that? What do you mean? Is there music when you walk thru the door? Is this The Matrix? You all AFF part of The Matrix? Seriously, my brain just does not register the elevator boarding music on most airlines. It's always boring, and when I'm boarding, I'm concentrating...

Exactly. If you can't even use your annual travel credit, and don't use Priority Pass (some airline lounges are pretty shocker, from the view of someone who uses SQ as the primary), why are you even using a card with such high annual fee? You could be using a green or gold charge, or one of...

I had this problem when I was in China in 2018 and 2019, drawing CNY 100 notes from ATMs, and were extremely painful to spend, even if I managed to break them into CNY 50 notes. A friend in Hong Kong currently said that they also need cash in Hong Kong, as too many shops would take Octopus card...

I suspect the $395 is the fee for Reserve, then the gold charge and Edge are attached to Reserve for free, because I started with only Reserve and $395 in 2005, I was then later offered gold charge in 2009, then offered Edge a year later in 2010.

Tonnes of $100 and $250 at Baulkham Hills Sydney

Who knows? I mean, if you want to test it, sure, go for it. However, I have learnt these in life: - when something is going well, stay below the radar. Some people try to push their luck further, but all it does is attracting unwanted attention, and either it will be taken away from you, or...