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RACQ too. From 11 Dec woolies=4% caltex woolies=3% https://www.racq.com.au/membership/what-you-get/discounts/wish-gift-cards

5% still available as of this morning at RACQ. 475 charged on CC, 500 in money app. see what happens next month when discounts are removed from most vendors

depends how much you spend. i go through $500/month. that's $180 woth of savings a year even on 3%. you do still get reward points for the gift card purchase if you pay by credit card. i consider it a little more than 3% been buying gift cards every month for more than 5 years and never had...

Give VA the $1.4B loan and hold parent companies' shares as security. 5% from each company would be worth more than $1.4B. If VA goes bankrupt in 3 years, australian taxpayers are still covered. Dunno if such a deal is possible and those foreign companies would never agree to it.

Good guys concierge rewards 5%. No surcharge, they use paypal. https://conciergerewards.thegoodguys.com.au/