Thanks, funny our differing perspectives on the cards' utility.
28 Degree card - for fee-free usage overseas. Saves me $250 to $300 per big trip. Costs nothing.
Amex Professional Platinum Edge - for groceries, earns 60,000 points a year Costs $149
Qantas Premier Everyday - for non-Amex purchases to earn Qantas points Costs $49
Jetstar Mastercard - saves me money every time I book a flight or fly Jetstar, earns Jetstar dollars Costs nothing.
How can I do without each of them? Technically, I could do without the Qantas card and just use the Jetstar card for non-Amex purchases. But when I hit 100 Jetstar dollars and am sent the voucher, I have to use it in six months - and the reward becomes worthless if I can't use it, unlike the Qantas card reward which is usefull all the time.
Also, for biggish spends, it would be embarrassing when I go to a prosthodontist and he and his associates charge me $8,000 for an implant if I didn't have the credit to cover it (and miss out on at least 4000 Qantas points in the process).
Regards,
Renato