Almost as insulting as the way the CBA tried to hide the fact that they were halving QFF earn rates on visa/mastercard and applying stupidly low caps by burying the facts it in a mass of confusing and hard to find detail. I believe they got a Shonky Award from Choice for this particular stunt. It's no wonder even CBA employees can't explain it.
However, in summary:
- use your CBA plat amex until you reach a $40,000 spend (=60,000 QFF points) then put it away until 1 January next year and use a different amex card
- don't use the CBA plat mcard at all - there are much better options for QFF earn on a visa or mastercard such as the Everyday Rewards plat card and Citi citibusiness gold and platinum card all of which have at least $1 = 1 QFF point earn and either higher caps or no cap at all.