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    gold altitude annual card fee

    are far into the year do westpac charge the $150 annual card fee (or is it charged upfront)? thks.
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    AMEX Rewards Maximiser or new QF Premium card?

    i am looking at getting my first rewards card and after investigation, i have narrowed it down to 2 amex cards. in your opinion, is it worth getting the new QF premium card (annual card fee $195) over the rewards maximiser as they are giving away 5,000 points? or should i disregard this as...
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