Best Credit Card Earning Maximum QF Frequent Flyer Points

Discussion in 'Qantas Frequent Flyer Program' started by xco, Sep 20, 2006.

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  1. xco

    xco Junior Member

    Sep 18, 2006
    15
    4
    With the pending closure of the Ezy MasterCard program, the past weeks have been an effort in trying to identify a replacement card, which earns the maximum amount of Qantas Frequent Flyer points with the lowest card fees.

    Below is a summary of what I've come up with

    Primary Card - This is the one to do as much spending on as possible.
    The Qantas American Express Premium Credit Card.
    On offer for those who signed up by 31/8/06 was 17500 bonus points. 10000 for signing up, 5000 for first spend, and 2500 for purchasing Qantas products. No annual card fee ($195) for the first year, supplementary card was however $30.

    Earn 1.25 Qantas Frequent Flyer points for every dollar spent every day using your the Premium Card, Earn 1 additional point for every dollar spent on your Premium Card in Australia on selected Qantas services

    No limit to the number of points you can earn
    Two Qantas Club Invitations every year when you spend on your Card in Australia on selected Qantas services

    Check out the link it may still work, or you may be able to call Amex and do a deal.
    Credit Cards - The Qantas American Express Premium Credit Card - American Express Australia

    The only pitfall thus far with this card is that some merchants DO NOT accept it, and some charge 2% surcharge.

    So what to go for as an extra or replacement card??

    Citibank
    Wow how frustrating it is to speak with customer service in Phillipines. This is one reason I'm steering clear of this. However if you want a Citibank card this is what I've uncovered.

    Spending on the card acrues 1 point per dollar $

    Gold card
    $119 yearly fee
    $30 supp card
    Credit limit $5 - $25k
    Points capped at 60000 per year

    Platinum card
    $250 yearly fee
    $90 supp card
    Credit limit $12 - $30k
    Points capped at 120000 per year

    The link below get you the gold card with 6.9%pa and no annual fee ever.
    http://www.citibank.com.au/cardsoffer/offers/gold_nofee_A.htm

    Commonwealth Bank
    Although I'm dirty on Com Bank for dropping the Ezy MasterCard, they appear to be the only bank with a half decent program.

    Platinum Card
    $1.00 spent = 1 reward point
    1 reward point = 1 QF point

    Costs
    $200.00 per year
    $15.00 suppl cards

    Points capped at 150000 per calendar year

    I'm told that if you push hard enough with the bank branch manager you may get the first year fee removed. I tried this recently and was told that once I applied and was issued a card I could then ask for the yearly fee to be waived. Were is there incentive once they've already issued me the card. (I'll keep trying on this and update you all when I get a respoinse)

    Final Summary
    Over 12 months using the Amex card for everyday household bills and spending I should earn at least 70000 points. Topped up with the Comm Bank Platinum card where Amex is not accepted I shoud be able to make all purcahses through the year with a credit card.

    70000 points, thats Asia Pacific from Australia return, and one way to New York or Frankfurt.

    If anyone has a better card suggestion or combination let me know.
     

  2. lovetravellingoz

    lovetravellingoz Senior Member

    Jul 13, 2006
    5,577
    1,486
    MEL
    Yes...that is what is in the other strings. You may wish to read through them for all the pros and cons.

    Best deal for me at present is the free fora year but with 17500 FF bonus for joing Qantas Amex boosted with the free for life Citibank Visa at an earn rate of 1;1.

    I have 10 months to finda free replacement for the AMEX....or eralier if there is a 1;1.5 deal going....
     
  3. one9

    one9 Active Member

    Sep 14, 2005
    592
    8
    You don't seem to have chosen the best Amex card. It may be better to chose an Amex card that offers 1.5 points per dollar. (Of course the signup bonus on the Qantas American Express Premium Credit Card is attractive. Maybe have this one and another Amex one offering 1.5 points)
     
  4. Febs

    Febs Established Member

    Aug 15, 2006
    1,659
    158
    HKG
    Perhaps not the best for earning, but the best "overall" deal IMO.

    Free for a year with 1.25 points, as opposed to $399/year (or thereabouts?) and 1.5 points for the top of the line Qantas AMEX.

    Cheers,
    - Febs.
     
  5. one9

    one9 Active Member

    Sep 14, 2005
    592
    8
    Overall depends on someones spending pattern.

    For example, I believe the NAB Ant Gold Amex card is available free for a year.

    So if you use this card and providing you spend more than $70,000 on your card in the year, then the NAB Ant Gold Amex card would work out better.

    The Qantas card is attractive (especially getting 17500 points for virtually no spedning), but if you are spending a lot on your card, then you should be aware you will lose out on the points.
     
  6. Jim

    Jim Intern

    Nov 17, 2003
    52
    1
    #6 Jim, Jun 14, 2007
    Last edited: Jun 14, 2007
    I spend several hundred thousand dollars per year using FF credit cards. I have a AMEX Qantas ultimate card with uncapped 1.5 FF points per $1 spent. I have two CBA platinum cards which cap at $150,000 each and a free gold citibank that caps at $60,000.

    I understand St.George Private Bank visa is uncapped but they require you to borrow or invest at least one million dollars with them. Is there any other FF Visa or Mastercard that is UNCAPPED and converts at 1 FF point per dollar spent?
     
  7. PaulZ

    PaulZ Member

    Jan 11, 2005
    215
    0
    My Citibank Gold card didn't cut out after spending $60,000. We spent over $100k and got 1:1.

    The terms and conditions actually talk about minimum. i.e. the gold card is eligible for a minimum of 60,000 pts. (from memory).

    You are correct.

    Not that I know of (except for the St George)
     
  8. oz_mark

    oz_mark Enthusiast

    Jun 30, 2002
    17,380
    1,624
    Melbourne
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    60,000 points is the minimum maximum they can restrict a gold card to. The terms and conditions:

     
  9. xco

    xco Junior Member

    Sep 18, 2006
    15
    4
    Here We Go Again

    Although the Comm Bank Platinum Card has been good I rarely use it enough to justify the $$$ yearly fee. All of my spending has been done on teh Amex Rewards Maximiser which has been great although the card is not accepted everywhere (maybe one day Amex will resolve this with merchants)

    I want to replace the Comm Bank Platinum Card with a lower yearly fee card but still get 1 for $1 points.

    Any suggestions
     
  10. lovetravellingoz

    lovetravellingoz Senior Member

    Jul 13, 2006
    5,577
    1,486
    MEL
    Read the Citibank Free for life Gold posts...and geta Citibank card witha 1:1 earn.
     
  11. Chicken

    Chicken Active Member

    May 9, 2006
    762
    310
    Sydney
    Note that this is a "may". They may cap you they may not. Some people had reported here that they got capped. Some people have not (including me).

    I have the free Citibank gold card, but I earn a lot more than the platinum limit, and I have not been busted yet. :mrgreen:

    Of course, don't be surprised if you get busted.
     
  12. one9

    one9 Active Member

    Sep 14, 2005
    592
    8
    I did a search and it seems it is time for an update on the list of best credit card earning (no limit) cards.

    Citibank have given me over 2 million points in 2 years, but I have given up now. They restricted my first card from earning points, then I upgraded to Platinum and they started giving points again, but then restricted it again.

    So I need to research again. Would be good if anyone could share there knowledge.

    I believe the new Woolworths card has around 170,000? points per quarter restriction (ie. the maximum gift card you can earn per quarter is $1000?).

    Any others?
     
  13. Chicken

    Chicken Active Member

    May 9, 2006
    762
    310
    Sydney
    National Bank Qantas Platinum Visa is $1 = 0.666 QF point, with no limit
     
  14. Diesellife

    Diesellife Active Member

    Oct 7, 2008
    684
    11

    The Nab Amex Plat give 1.5 QF per dollar...which I use it primarily but I rarely use the Visa one... CBA Plat is my backup card when Amex is not accepted. Also, both cards are free for me... at least until 2011 for CBA..
     
  15. Jim

    Jim Intern

    Nov 17, 2003
    52
    1
    Earth Platinum Amex = $1 = 3 FF until April then 1.5 FF no cap.
    CBA Platinum visa or M/C $1 spend = 1 FF, 150K cap.
    Citibank Platinum = $1 spend = 1 FF, 120K cap.
    Business: Westpac choice visa $1 = 0.75 FF, no cap

    What I want to know is the best uncapped visa or matercard.
     
  16. Diesellife

    Diesellife Active Member

    Oct 7, 2008
    684
    11
    Hi Jim,

    Westpac business choice is only offering $1 = 0.66 FF, no cap.
    It seems to me that the norm is 1:1 with cap or 1:0.66 for non cap.
    So perhaps NAB one still the best to go for nocap visa/mc because you have the additional AMEX to boost (If you needed to)?!
     
  17. Rae

    Rae Member

    Sep 30, 2006
    159
    0
    I use a varity of cards but now always use the Qantas Amex for booking all flights. I'm getting 20,000 - 60,000 points a month - much more than I was getting before. If you spend a bit with Qantas it's certainly worth it - the bonus points are huge.
     
  18. AnonymousCoward

    AnonymousCoward Established Member

    Dec 5, 2005
    3,199
    2,461
    Sydney, Singapore
    QANTAS FF points cost money. Given the lack of "expensive" Visa/MC options in Australia, I doubt you are going to find an uncapped product. Someone has to pay for all those points, and it seems that the merchant charges that Visa and MC produce don't seem to pay for points of an unlimited kind.
     
  19. Jim

    Jim Intern

    Nov 17, 2003
    52
    1
    UNCAPPED Visa or M/C are:

    St. George Private $1= 1 FF
    WBC business $1 = 0.66 FF
    WBC (several types) $1 = 0.5 FF

    What other Visa or M/C cards give .66 FF or better uncapped?
     
  20. AnonymousCoward

    AnonymousCoward Established Member

    Dec 5, 2005
    3,199
    2,461
    Sydney, Singapore
    Apologies - I meant you are unlikely to find an uncapped product offering better than 1:1. Less than 1:1 there are a number of options as have been mentioned in this thread. I wasn't aware of the St George product.
     
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