Forget about QC or VGW, as the earn rate is 0.5points per $1 spent on purchases.
QC and VGW are only good for those who have time to play with, and while no annual fees is a plus, its earn at a snails pace. Or for those who can't get a (true) CC.
The only reason I have both, is that my work can't show me earning Aud$35000 a year, or even $15000.
And I got burnt going to deep hock a few years back.
Amassing points, without flying, and not relying too deeply on CC sign on bonuses, its hard to amass points.
Flybuys is no use either, as they didn't link to VA.
ER is also a slow way to collect QFF points, (apart from the CC side), you have to spend $31 to get 1 QFF point.
They are ways and then there are WAYS.
Intro...
Some 'shopping' schemes (all really) are set up to benefit the company not the shopper. They aim to get you to increase your spending by increasing the Q of items you buy as well a the cost of items you buy (targeted, if properly working, offers).
However, that's broad brush and broad brush means lazy programming mostly these days. So they are full of holes.
The meat
Most programs have a simple 'age' trigger. So if you were to sign up everyone in your family, once the age is over 16 then they become a target even if they never use their card. They are 'encouraged' to use their card with offers.
So whoever is the 'key' shopper has everyone's cards. Each shopping outing you 'tease' the system if you do not have any offers (worthwhile). For example, we use one card "A" with the purchase $31 worth of stuff from WOW, and then do not use that card again until we receive an offer. Given only earn QFF > $30 there is no incentive if you can game it. Coles has a different break-even for gaming but still is very worthwhile.
For example, in last quarter got 17K bonus points at Coles and $80 vouchers (cash back/discount off total bill). At WOW got $95 of 'vouchers' and 9K bonus points. Actual spend at both (pre-vouchers) in total was under $4,000. (BTW - can triple dip at WW petrol using Myer One card, cc and rewards card). I do not consider discount off an item as a voucher but it can get bonus points. You need to be selective and not jump on first offer.
EG: Spend $120 get 500 bonus points spend $150 get 1,000. If you do not activate offer, then normally next week, but sometimes two weeks, you get spend $100 get 500, then 1 wk later, spend $80 get $20 voucher (used $20 voucher last night). Do not activate offers along the way unless you are intending to use it. Do not be an easy target.
Note: Do not use 'card' every time. So with WOW you get a 4 cent discount petrol voucher on the bill - DO NOT USE REWARDS CARD AT WOW PETROL OUTLET UNLESS YOU HAVE A BONUS OFFER when redeeming a 'paper' not 'electronic' discount. Their system DOES have that gaming check built into it.
