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AI is nothing like Pepper/Fluz. AI is a buyer of GCs — Pepper/Fluz are sellers of them. And yes, AI is a very well-known buyer. You can join their Telegram channels to get a sense of the community and some tips on how they operate.

The credit card market is going backwards, not forwards, in Australia — consolidation of issuers, fewer international transfer partners, worse transfer rates, worse earn rates. I wouldn't be holding my breath for one if I were you.

You're going to learn very quickly about Amex dupe app rules with this strategy 😁

The big benefit is more capacity and more competition out of Australia into Asia and Europe. That's a good thing for all consumers, whether you'd fly the specific product or not.

If you needed about 400K QFF to be in the top 1% of earners and QFF has 17.6M members that earned 222 billion points last year, that means.... The top 1% of earners earned at least 70 billion QFF, or roughly 31% of all points earned in the last year. And probably much more as there will be...

Early punters scored an amazing deal. No doubt this pricing error will be fixed before long.

https://frequentmiler.com/setting-up-a-business-easier-than-you-might-expect/ 200K is the lowest offer on that card atm. It can go as high as 300K if you are persistent in trying the offer page from different IPs/browsers.

Decided against it. Already have too many points. And paying AUD $0.0057/pt ($USD395 = $AUD595/105000) isn't particularly attractive when I don't need the points — I typically acquire at a lower cost. Yes, the sums are slightly better if you get full value out of the companion pass, but not by...

Putting it into perspective in another way, Qantas issued 220 billion points last financial year. So this represents a mere 0.2% of points issued. It is, therefore, very very niche.

Calendar year benefits: my newly opened BoA card will be able to use the 2025, 2026 & 2027 calendar year benefits for a single annual fee. Google triple dip card benefits. Yes

$750 SUB + $1350 in incidentals that are easy to cash out if you apply in December + at least 2.62% back on all spend.

No branch visit. Using a US residential IP. Yes, checking account & credit card.

If the application fails, it may be worth trying again in a few months. Their processes are inconsistent. I applied for a BOA checking account a few months ago. Said I needed to go into branch to prove identity. Applied again this week after being approved for a Premium Rewards Elite credit...

On QF7 this week, they were still using the old amenity kits, but had Aesop in bathrooms & new menus. Looks like they only loaded about 1-2 bottles of Bollinger — they didn't serve it on the ground, the FA 'found the bottle of it' somewhere in the back and the supply was exhausted after about...

The November 2025 data is in. Incoming tourist arrivals from Australia was down a whopping 12.7% in November 25 compared to November 24. And year to date arrivals is now down 6.1%. Anyone who is still claiming that Australian arrivals into the US are holding strong has their head in the sand.

The issue recently got some coverage in OMAAT: The Sad Decline Of United Polaris Business Class Award Availability

That's basically what they're worth these days: How Much a Frequent Flyer Point is Worth: Our Valuations

Partner awards are becoming more difficult on many airlines. Just the way the industry is heading.

One follows from the other if your guiding principle is maintenance of well-functioning competition. The RBA regulates interchange fees because competition does not work — as the RBA has said, 'in contrast to normal markets for goods and services, competition in well-established payment card...

An interchange fee cap is simply a price control. Amex also charge prices. The RBA can control that too. What's so hard to understand?