Beginner question: Is it better to churn cards or stick to one long-term?

[vardan22]

Hi AFF community


I’m new to points and I’m trying to understand the best strategy.


Some people recommend:
apply for new cards often (churning) to collect bonuses
Others say:
stick to one main card and build points slowly

Questions:

• What strategy gives the best return in Australia?
• How often can someone safely apply for cards without damaging credit score too much?
• Any “must know” rules for beginners?

Would really appreciate tips from experienced members. Thanks in advance!