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I've always purchased zero excess insurance coverage from rental car providers but I know that my card (Westpac Qantas Black) has excess coverage but never relied on it. Do people generally use and rely on this coverage or still purchase extra insurance through the car rental provider...

It has passed my 12 month card anniversary and I haven’t received 2 new lounge passes - any experience from anyone with this on getting them processed?

Anyone have any recent experience applying for this card? This is my third time churning it (applied this morning 12 months and two days after closing it). This time I got an email saying “We will be in touch shortly, and may ask you for any further documentation we may need based on your...