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I spend about 100k per month with citi. Asked for halved annual fee - declined. 15000 points was their top offer. Will move all non amex spend to st george after june and use citi solely for hotel 4 nights and occasional airport transfer.

what two cards? st george i have linked to qantas and its .75. happy with that for ATO even with the new .54 rate.

st george is working. also received statement yesterday and no notice of any change so assume it won't be changed for a couple of months.

You only get 5 nominees and they can only be changed every 6 months. I have other people I wish to redeem flights for - used to transfer to another account with another 5 nominees.

The negative of these changes is that you can no longer transfer points to anyone but yourself. It also seems that supplementary card holders can no longer access the rewards page so you can't transfer even to accounts in their name. Bit annoying given it was previously possible to have...